First Bank & Trust East Texas Mortgage Lending & HMDA Data, 2008
In 2008, First Bank & Trust East Texas of Diboll, TX reported 572 mortgage applications totaling $47.6 million, up 23% from 2007. The average application was for $83,167, and applicants reported an average income of $127,681. 91% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (54), Tyler, TX (27) and Longview, TX (26) (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 | 572 |
| Total Mortgage Loan Application Amount | $47,572,000 |
| Average Mortgage Loan Application Amount | $83,167 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $127,681 |
| Highest Applicant Income | $9,028,000 |
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records First Bank & Trust East Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 152 | $ 11,685,000 | $ 76,875 | $ 85,000 |
| Nacogdoches, Texas | 105 | $ 9,255,000 | $ 88,142 | $ 106,000 |
| Sabine, Texas | 73 | $ 3,413,000 | $ 46,753 | $ 85,000 |
| Jasper, Texas | 58 | $ 6,236,000 | $ 107,517 | $ 116,000 |
| Liberty, Texas | 34 | $ 2,410,000 | $ 70,882 | $ 346,000 |
| Smith, Texas | 27 | $ 4,886,000 | $ 180,962 | $ 369,000 |
| Gregg, Texas | 18 | $ 2,571,000 | $ 142,833 | $ 134,000 |
| San Augustine, Texas | 15 | $ 519,000 | $ 34,600 | $ 66,000 |
| Montgomery, Texas | 11 | $ 869,000 | $ 79,000 | $ 86,000 |
| Anderson, Texas | 9 | $ 575,000 | $ 63,888 | $ 253,000 |
| Polk, Texas | 8 | $ 294,000 | $ 36,750 | $ 60,000 |
| Brazos, Texas | 6 | $ 804,000 | $ 134,000 | $ 280,000 |
| Cherokee, Texas | 6 | $ 443,000 | $ 73,833 | $ 79,000 |
| Rusk, Texas | 6 | $ 360,000 | $ 60,000 | $ 70,000 |
| Trinity, Texas | 6 | $ 675,000 | $ 112,500 | $ 147,000 |
| Newton, Texas | 5 | $ 308,000 | $ 61,600 | $ 88,000 |
| Hardin, Texas | 4 | $ 219,000 | $ 54,750 | $ 50,000 |
| San Jacinto, Texas | 4 | $ 98,000 | $ 24,500 | $ 46,000 |
| Harris, Texas | 3 | $ 279,000 | $ 93,000 | $ 134,000 |
| Panola, Texas | 3 | $ 102,000 | $ 34,000 | $ 49,000 |
| Henderson, Texas | 2 | $ 104,000 | $ 52,000 | $ 67,000 |
| Orange, Texas | 2 | $ 112,000 | $ 56,000 | $ 38,000 |
| Upshur, Texas | 2 | $ 215,000 | $ 107,500 | $ 97,000 |
| Eagle, Colorado | 1 | $ 213,000 | $ 213,000 | $ 256,000 |
| Sabine, Louisiana | 1 | $ 4,000 | $ 4,000 | $ 29,000 |
| Brazoria, Texas | 1 | $ 68,000 | $ 68,000 | $ 54,000 |
| Dallas, Texas | 1 | $ 176,000 | $ 176,000 | $ 316,000 |
| Galveston, Texas | 1 | $ 176,000 | $ 176,000 | $ 342,000 |
| Gillespie, Texas | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Hays, Texas | 1 | $ 143,000 | $ 143,000 | $ 95,000 |
| Jefferson, Texas | 1 | $ 11,000 | $ 11,000 | $ 29,000 |
| Marion, Texas | 1 | $ 26,000 | $ 26,000 | $ 43,000 |
| Shelby, Texas | 1 | $ 12,000 | $ 12,000 | $ 72,000 |
| Tarrant, Texas | 1 | $ 60,000 | $ 60,000 | $ 107,000 |
| Walker, Texas | 1 | $ 106,000 | $ 106,000 | $ 234,000 |
| Williamson, Texas | 1 | $ 90,000 | $ 90,000 | $ 188,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust East Texas in 2008
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 | 246 | $23,256,000 | $94,000 | $1,000,000 | $127,000 | $1,326,000 |
| Home Improvement | 176 | $4,211,000 | $23,000 | $177,000 | $67,000 | $456,000 |
| Refinancing | 150 | $20,105,000 | $134,000 | $1,600,000 | $200,000 | $9,028,000 |
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 | 460 | $41,691,000 | $90,000 | $1,600,000 | $142,000 | $9,028,000 |
| Hispanic | 61 | $2,100,000 | $34,000 | $350,000 | $43,000 | $345,000 |
| Black or African American | 28 | $1,149,000 | $41,000 | $160,000 | $58,000 | $180,000 |
| Not applicable | 19 | $2,141,000 | $112,000 | $520,000 | $144,000 | $1,295,000 |
| Asian | 3 | $331,000 | $110,000 | $176,000 | $155,000 | $316,000 |
| American Indian or Alaskan Native | 1 | $160,000 | $160,000 | $160,000 | $139,000 | $139,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 572 | $47,572,000 | $83,000 | $1,600,000 | $127,000 | $9,028,000 |
| 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 | 519 | $43,738,000 | $84,000 | $1,600,000 | $134,000 | $9,028,000 |
| Application Denied By Financial Institution | 36 | $1,982,000 | $55,000 | $225,000 | $58,000 | $147,000 |
| Application Approved But Not Accepted | 17 | $1,852,000 | $108,000 | $400,000 | $87,000 | $274,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 27 | $1,313,000 | $48,000 | $160,000 | $53,000 | $139,000 |
| Debt-To-Income Ratio | 3 | $118,000 | $39,000 | $100,000 | $64,000 | $116,000 |
| Employment History | 2 | $44,000 | $22,000 | $22,000 | $24,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $243,000 | $121,000 | $225,000 | $88,000 | $147,000 |
| Unverifiable Information | 2 | $264,000 | $132,000 | $135,000 | $115,000 | $139,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2008 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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