First Bank & Trust East Texas Mortgage Lending & HMDA Data, 2006
In 2006, First Bank & Trust East Texas of Diboll, TX reported 485 mortgage applications totaling $32.3 million, up 29% from 2005. The average application was for $66,676, and applicants reported an average income of $83,637. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (48), Austin-Round Rock, TX (3) and Longview, TX (3) (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 | 485 |
| Total Mortgage Loan Application Amount | $32,338,000 |
| Average Mortgage Loan Application Amount | $66,676 |
| Highest Mortgage Loan Application Amount | $480,000 |
| Average Applicant Income | $83,637 |
| Highest Applicant Income | $688,000 |
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records First Bank & Trust East Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Angelina, Texas | 126 | $ 9,018,000 | $ 71,571 | $ 82,000 |
| Sabine, Texas | 99 | $ 3,309,000 | $ 33,424 | $ 72,000 |
| Nacogdoches, Texas | 89 | $ 7,573,000 | $ 85,089 | $ 81,000 |
| Jasper, Texas | 54 | $ 3,755,000 | $ 69,537 | $ 106,000 |
| San Augustine, Texas | 28 | $ 1,302,000 | $ 46,500 | $ 87,000 |
| Liberty, Texas | 25 | $ 1,765,000 | $ 70,600 | $ 85,000 |
| Montgomery, Texas | 10 | $ 563,000 | $ 56,300 | $ 64,000 |
| Newton, Texas | 6 | $ 315,000 | $ 52,500 | $ 46,000 |
| San Jacinto, Texas | 5 | $ 470,000 | $ 94,000 | $ 64,000 |
| Cherokee, Texas | 4 | $ 683,000 | $ 170,750 | $ 133,000 |
| Harris, Texas | 4 | $ 409,000 | $ 102,250 | $ 176,000 |
| Polk, Texas | 4 | $ 124,000 | $ 31,000 | $ 46,000 |
| Trinity, Texas | 4 | $ 247,000 | $ 61,750 | $ 38,000 |
| Fort Bend, Texas | 3 | $ 266,000 | $ 88,666 | $ 98,000 |
| Rusk, Texas | 3 | $ 291,000 | $ 97,000 | $ 88,000 |
| Andrews, Texas | 2 | $ 325,000 | $ 162,500 | $ 91,000 |
| Brazos, Texas | 2 | $ 156,000 | $ 78,000 | $ 98,000 |
| Comal, Texas | 2 | $ 334,000 | $ 167,000 | $ 192,000 |
| Shelby, Texas | 2 | $ 71,000 | $ 35,500 | $ 135,000 |
| Travis, Texas | 2 | $ 213,000 | $ 106,500 | $ 172,000 |
| Tyler, Texas | 2 | $ 115,000 | $ 57,500 | $ 74,000 |
| DeKalb, Georgia | 1 | $ 222,000 | $ 222,000 | $ 41,000 |
| Bastrop, Texas | 1 | $ 168,000 | $ 168,000 | $ 82,000 |
| Bell, Texas | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Galveston, Texas | 1 | $ 119,000 | $ 119,000 | $ 127,000 |
| Hardin, Texas | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Houston, Texas | 1 | $ 30,000 | $ 30,000 | $ 58,000 |
| Orange, Texas | 1 | $ 186,000 | $ 186,000 | $ 111,000 |
| Tarrant, Texas | 1 | $ 117,000 | $ 117,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust East Texas in 2006
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 | 266 | $21,946,000 | $82,000 | $480,000 | $89,000 | $688,000 |
| Home Improvement | 143 | $4,102,000 | $28,000 | $375,000 | $74,000 | $500,000 |
| Refinancing | 76 | $6,290,000 | $82,000 | $360,000 | $83,000 | $360,000 |
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 | 386 | $26,542,000 | $68,000 | $400,000 | $90,000 | $688,000 |
| Hispanic | 47 | $1,879,000 | $39,000 | $180,000 | $41,000 | $114,000 |
| Black or African American | 31 | $2,159,000 | $69,000 | $425,000 | $72,000 | $217,000 |
| Not Provided | 13 | $352,000 | $27,000 | $176,000 | $56,000 | $138,000 |
| Asian | 3 | $660,000 | $220,000 | $375,000 | $67,000 | $136,000 |
| American Indian or Alaskan Native | 2 | $152,000 | $76,000 | $102,000 | $44,000 | $46,000 |
| Not applicable | 2 | $513,000 | $256,000 | $480,000 | $201,000 | $391,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $81,000 | $81,000 | $81,000 | $43,000 | $43,000 |
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) | 484 | $32,223,000 | $66,000 | $480,000 | $83,000 | $688,000 |
| VA-guaranteed (Veterans Administration) | 1 | $115,000 | $115,000 | $115,000 | $64,000 | $64,000 |
| 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 |
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 | 417 | $25,364,000 | $60,000 | $480,000 | $83,000 | $540,000 |
| Application Approved But Not Accepted | 33 | $3,731,000 | $113,000 | $285,000 | $97,000 | $688,000 |
| Application Denied By Financial Institution | 29 | $2,632,000 | $90,000 | $425,000 | $75,000 | $600,000 |
| Application Withdrawn By Applicant | 6 | $611,000 | $101,000 | $197,000 | $89,000 | $125,000 |
| 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 | 14 | $925,000 | $66,000 | $425,000 | $55,000 | $174,000 |
| Other | 8 | $924,000 | $115,000 | $280,000 | $126,000 | $600,000 |
| Debt-To-Income Ratio | 5 | $543,000 | $108,000 | $375,000 | $54,000 | $136,000 |
| Employment History | 1 | $40,000 | $40,000 | $40,000 | $48,000 | $48,000 |
| Collateral | 1 | $200,000 | $200,000 | $200,000 | $85,000 | $85,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust East Texas's 2006 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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