First American Bank, SSB Mortgage Lending & HMDA Data, 2004
In 2004, First American Bank, SSB of Bryan, TX reported 3,203 mortgage applications totaling $331.0 million, down 17% from 2003. The average application was for $103,342, and applicants reported an average income of $91,066. 70% of its applications resulted in an originated loan and 10% were denied. Its largest markets were College Station-Bryan, TX (716), Amarillo, TX (405) and Odessa, TX (375) (applications in parentheses).
| Mortgage Company & Address | First American Bank, SSB 2800 South Texas Ave Bryan, TX 77805 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 3,203 |
| Total Mortgage Loan Application Amount | $331,006,000 |
| Average Mortgage Loan Application Amount | $103,342 |
| Highest Mortgage Loan Application Amount | $9,400,000 |
| Average Applicant Income | $91,066 |
| Highest Applicant Income | $3,670,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First American Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| College Station-Bryan, TX | 716 | $ 77,842,000 | $ 108,717 | $ 79,000 |
| Amarillo, TX | 405 | $ 39,032,000 | $ 96,375 | $ 73,000 |
| Odessa, TX | 375 | $ 24,883,000 | $ 66,354 | $ 50,000 |
| Dallas-Plano-Irving, TX | 278 | $ 44,441,000 | $ 159,859 | $ 117,000 |
| Abilene, TX | 231 | $ 17,480,000 | $ 75,670 | $ 56,000 |
| Midland, TX | 221 | $ 24,299,000 | $ 109,950 | $ 70,000 |
| Wichita Falls, TX | 197 | $ 12,635,000 | $ 64,137 | $ 65,000 |
| Houston-Baytown-Sugar Land, TX | 117 | $ 19,081,000 | $ 163,085 | $ 149,000 |
| Fort Worth-Arlington, TX | 85 | $ 8,732,000 | $ 102,729 | $ 168,000 |
| Austin-Round Rock, TX | 84 | $ 25,612,000 | $ 304,904 | $ 136,000 |
| San Angelo, TX | 29 | $ 2,020,000 | $ 69,655 | $ 106,000 |
| Lubbock, TX | 9 | $ 743,000 | $ 82,555 | $ 48,000 |
| Killeen-Temple-Fort Hood, TX | 8 | $ 374,000 | $ 46,750 | $ 81,000 |
| San Antonio, TX | 4 | $ 443,000 | $ 110,750 | $ 125,000 |
| Tyler, TX | 4 | $ 630,000 | $ 157,500 | $ 73,000 |
| Lawton, OK | 3 | $ 254,000 | $ 84,666 | $ 77,000 |
| Denver-Aurora, CO | 2 | $ 330,000 | $ 165,000 | $ 83,000 |
| Waco, TX | 2 | $ 305,000 | $ 152,500 | $ 33,000 |
| Corpus Christi, TX | 1 | $ 65,000 | $ 65,000 | $ 58,000 |
| Longview, TX | 1 | $ 100,000 | $ 100,000 | $ 107,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 49,000 | $ 49,000 | $ 56,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 25,000 | $ 25,000 | $ 11,000 |
| Victoria, TX | 1 | $ 102,000 | $ 102,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for First American Bank, SSB in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,943 | $206,318,000 | $221,166 | $3,000,000 | $84,666 | $3,670,000 |
| Refinancing | 776 | $102,730,000 | $226,333 | $2,080,000 | $145,666 | $1,329,000 |
| Home Improvement | 484 | $21,958,000 | $25,666 | $9,400,000 | $82,333 | $430,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,608 | $263,450,000 | $121,400 | $2,500,000 | $99,800 | $3,150,000 |
| Hispanic | 354 | $24,040,000 | $65,500 | $488,000 | $64,000 | $3,670,000 |
| Not applicable | 71 | $25,718,000 | $447,500 | $9,400,000 | $39,000 | $660,000 |
| Black or African American | 65 | $5,320,000 | $125,000 | $242,000 | $65,500 | $600,000 |
| Asian | 57 | $9,052,000 | $162,000 | $607,000 | $129,000 | $600,000 |
| Not Provided | 28 | $1,854,000 | $66,000 | $396,000 | $85,000 | $522,000 |
| American Indian or Alaskan Native | 13 | $694,000 | $53,000 | $133,000 | $142,000 | $706,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $878,000 | $125,000 | $216,000 | $58,000 | $90,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,782 | $295,370,000 | $191,333 | $9,400,000 | $87,000 | $3,670,000 |
| FHA-insured (Federal Housing Administration) | 354 | $28,461,000 | $91,666 | $167,000 | $48,333 | $324,000 |
| VA-guaranteed (Veterans Administration) | 67 | $7,175,000 | $113,000 | $226,000 | $63,500 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,240 | $234,686,000 | $203,800 | $9,400,000 | $87,800 | $3,150,000 |
| Application Withdrawn By Applicant | 403 | $46,151,000 | $188,250 | $1,450,000 | $140,250 | $3,670,000 |
| Application Denied By Financial Institution | 311 | $19,095,000 | $61,000 | $620,000 | $68,000 | $1,310,000 |
| File Closed For Incompleteness | 138 | $20,833,000 | $150,000 | $2,080,000 | $108,000 | $1,008,000 |
| Preapproval Approved but not Accepted | 49 | $4,878,000 | $99,000 | $400,000 | $48,000 | $192,000 |
| Application Approved But Not Accepted | 45 | $3,798,000 | $84,000 | $334,000 | $73,000 | $325,000 |
| Preapproval Denied by Financial Institution | 17 | $1,565,000 | $92,000 | $173,000 | $55,000 | $91,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 85 | $6,015,000 | $86,000 | $620,000 | $79,500 | $706,000 |
| Debt-To-Income Ratio | 51 | $4,698,000 | $131,500 | $221,000 | $66,000 | $324,000 |
| Other | 24 | $2,435,000 | $101,000 | $339,000 | $175,000 | $1,310,000 |
| Collateral | 23 | $1,872,000 | $81,000 | $320,000 | $62,000 | $209,000 |
| Credit Application Incomplete | 9 | $843,000 | $92,000 | $164,000 | $46,000 | $108,000 |
| Unverifiable Information | 9 | $1,007,000 | $111,000 | $234,000 | $90,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $338,000 | $56,000 | $133,000 | $42,000 | $88,000 |
| Employment History | 2 | $187,000 | $93,000 | $130,000 | $37,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First American Bank, SSB's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First American Bank, SSB's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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