First Bank & Trust East Texas Mortgage Lending & HMDA Data, 2017
In 2017, First Bank & Trust East Texas of Diboll, TX reported 696 mortgage applications totaling $80.2 million, down 14% from 2016. The average application was for $115,294, and applicants reported an average income of $102,089. 78% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (72), Tyler, TX (38) and Beaumont-Port Arthur, TX (28) (applications in parentheses).
| Mortgage Company & Address | First Bank & Trust East Texas 104 N Temple Blvd Diboll, TX 75941 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 696 |
| Total Mortgage Loan Application Amount | $80,245,000 |
| Average Mortgage Loan Application Amount | $115,294 |
| Highest Mortgage Loan Application Amount | $1,868,000 |
| Average Applicant Income | $102,089 |
| Highest Applicant Income | $1,499,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Bank & Trust East Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Bank & Trust East Texas in 2017
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 | 451 | $66,611,000 | $147,000 | $1,868,000 | $111,000 | $1,306,000 |
| Home Improvement | 182 | $6,762,000 | $37,000 | $400,000 | $79,000 | $581,000 |
| Refinancing | 63 | $6,872,000 | $109,000 | $404,000 | $105,000 | $1,499,000 |
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 | 512 | $58,930,000 | $115,000 | $1,389,000 | $116,000 | $1,499,000 |
| Hispanic | 88 | $5,350,000 | $60,000 | $565,000 | $57,000 | $300,000 |
| Not applicable | 35 | $8,943,000 | $255,000 | $1,868,000 | $0 | $0 |
| Black or African American | 33 | $2,139,000 | $64,000 | $268,000 | $68,000 | $191,000 |
| Asian | 13 | $2,764,000 | $212,000 | $800,000 | $173,000 | $781,000 |
| Not Provided | 12 | $1,789,000 | $149,000 | $484,000 | $152,000 | $391,000 |
| American Indian or Alaskan Native | 3 | $330,000 | $110,000 | $250,000 | $86,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 696 | $80,245,000 | $115,000 | $1,868,000 | $102,000 | $1,499,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 541 | $65,282,000 | $120,000 | $1,868,000 | $107,000 | $1,499,000 |
| Application Denied By Financial Institution | 80 | $6,528,000 | $81,000 | $404,000 | $61,000 | $279,000 |
| Application Approved But Not Accepted | 64 | $7,630,000 | $119,000 | $484,000 | $114,000 | $624,000 |
| Application Withdrawn By Applicant | 11 | $805,000 | $73,000 | $213,000 | $86,000 | $319,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 48 | $3,046,000 | $63,000 | $404,000 | $60,000 | $279,000 |
| Debt-To-Income Ratio | 28 | $3,134,000 | $111,000 | $378,000 | $56,000 | $232,000 |
| Collateral | 3 | $151,000 | $50,000 | $115,000 | $103,000 | $207,000 |
| Mortgage Insurance Denied | 1 | $197,000 | $197,000 | $197,000 | $74,000 | $74,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust East Texas's 2017 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 Bank & Trust East Texas'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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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