First Bank & Trust East Texas Mortgage Lending & HMDA Data, 2007
In 2007, First Bank & Trust East Texas of Diboll, TX reported 466 mortgage applications totaling $35.2 million, down 4% from 2006. The average application was for $75,497, and applicants reported an average income of $96,354. 81% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (51), Longview, TX (15) and Beaumont-Port Arthur, TX (5) (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 | 466 |
| Total Mortgage Loan Application Amount | $35,182,000 |
| Average Mortgage Loan Application Amount | $75,497 |
| Highest Mortgage Loan Application Amount | $1,090,000 |
| Average Applicant Income | $96,354 |
| Highest Applicant Income | $3,121,000 |
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records First Bank & Trust East Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 150 | $ 10,052,000 | $ 67,013 | $ 84,000 |
| Nacogdoches, Texas | 90 | $ 7,738,000 | $ 85,977 | $ 102,000 |
| Sabine, Texas | 72 | $ 3,339,000 | $ 46,375 | $ 73,000 |
| Jasper, Texas | 36 | $ 4,081,000 | $ 113,361 | $ 107,000 |
| Liberty, Texas | 33 | $ 2,011,000 | $ 60,939 | $ 105,000 |
| San Augustine, Texas | 12 | $ 786,000 | $ 65,500 | $ 71,000 |
| Gregg, Texas | 10 | $ 1,201,000 | $ 120,100 | $ 87,000 |
| San Jacinto, Texas | 8 | $ 283,000 | $ 35,375 | $ 50,000 |
| Polk, Texas | 7 | $ 515,000 | $ 73,571 | $ 107,000 |
| Montgomery, Texas | 5 | $ 570,000 | $ 114,000 | $ 71,000 |
| Shelby, Texas | 5 | $ 197,000 | $ 39,400 | $ 71,000 |
| Rusk, Texas | 4 | $ 123,000 | $ 30,750 | $ 73,000 |
| Trinity, Texas | 4 | $ 82,000 | $ 20,500 | $ 96,000 |
| Newton, Texas | 3 | $ 143,000 | $ 47,666 | $ 30,000 |
| Tyler, Texas | 3 | $ 231,000 | $ 77,000 | $ 253,000 |
| Brazos, Texas | 2 | $ 178,000 | $ 89,000 | $ 74,000 |
| Galveston, Texas | 2 | $ 279,000 | $ 139,500 | $ 247,000 |
| Hardin, Texas | 2 | $ 10,000 | $ 5,000 | $ 72,000 |
| Harris, Texas | 2 | $ 71,000 | $ 35,500 | $ 88,000 |
| Hays, Texas | 2 | $ 1,233,000 | $ 616,500 | $ 1,587,000 |
| Jefferson, Texas | 2 | $ 309,000 | $ 154,500 | $ 61,000 |
| Bexar, Texas | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Brazoria, Texas | 1 | $ 125,000 | $ 125,000 | $ 85,000 |
| Coleman, Texas | 1 | $ 387,000 | $ 387,000 | $ 106,000 |
| Edwards, Texas | 1 | $ 285,000 | $ 285,000 | $ 216,000 |
| Ellis, Texas | 1 | $ 56,000 | $ 56,000 | $ 30,000 |
| Guadalupe, Texas | 1 | $ 64,000 | $ 64,000 | $ 44,000 |
| Houston, Texas | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Navarro, Texas | 1 | $ 70,000 | $ 70,000 | $ 58,000 |
| Orange, Texas | 1 | $ 3,000 | $ 3,000 | $ 80,000 |
| Panola, Texas | 1 | $ 13,000 | $ 13,000 | $ 14,000 |
| Travis, Texas | 1 | $ 372,000 | $ 372,000 | $ 504,000 |
| Upshur, Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Bank & Trust East Texas in 2007
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 | 215 | $20,125,000 | $93,000 | $1,090,000 | $105,000 | $3,121,000 |
| Home Improvement | 150 | $2,862,000 | $19,000 | $175,000 | $64,000 | $464,000 |
| Refinancing | 101 | $12,195,000 | $120,000 | $675,000 | $126,000 | $1,318,000 |
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 | 377 | $31,319,000 | $83,000 | $1,090,000 | $107,000 | $3,121,000 |
| Hispanic | 53 | $1,289,000 | $24,000 | $110,000 | $36,000 | $84,000 |
| Black or African American | 28 | $1,410,000 | $50,000 | $316,000 | $53,000 | $150,000 |
| Not applicable | 3 | $566,000 | $188,000 | $387,000 | $145,000 | $231,000 |
| American Indian or Alaskan Native | 2 | $125,000 | $62,000 | $90,000 | $36,000 | $48,000 |
| Asian | 2 | $448,000 | $224,000 | $224,000 | $296,000 | $529,000 |
| Not Provided | 1 | $25,000 | $25,000 | $25,000 | $145,000 | $145,000 |
| 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) | 466 | $35,182,000 | $75,000 | $1,090,000 | $96,000 | $3,121,000 |
| 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 | 376 | $29,122,000 | $77,000 | $1,090,000 | $101,000 | $3,121,000 |
| Application Denied By Financial Institution | 57 | $2,873,000 | $50,000 | $316,000 | $62,000 | $1,065,000 |
| Application Approved But Not Accepted | 22 | $2,457,000 | $111,000 | $227,000 | $126,000 | $1,318,000 |
| Application Withdrawn By Applicant | 11 | $730,000 | $66,000 | $159,000 | $65,000 | $150,000 |
| 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 | 36 | $1,311,000 | $36,000 | $316,000 | $71,000 | $1,065,000 |
| Debt-To-Income Ratio | 8 | $854,000 | $106,000 | $306,000 | $54,000 | $150,000 |
| Collateral | 4 | $129,000 | $32,000 | $103,000 | $43,000 | $94,000 |
| Employment History | 3 | $145,000 | $48,000 | $65,000 | $28,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $265,000 | $132,000 | $218,000 | $42,000 | $51,000 |
| Mortgage Insurance Denied | 2 | $110,000 | $55,000 | $61,000 | $74,000 | $107,000 |
| Unverifiable Information | 2 | $59,000 | $29,000 | $44,000 | $41,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust East Texas's 2007 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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