First Bank & Trust East Texas Mortgage Lending & HMDA Data, 2009
In 2009, First Bank & Trust East Texas of Diboll, TX reported 687 mortgage applications totaling $59.7 million, up 20% from 2008. The average application was for $86,915, and applicants reported an average income of $107,474. 91% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (45), Tyler, TX (38) and Longview, TX (25) (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 | 687 |
| Total Mortgage Loan Application Amount | $59,711,000 |
| Average Mortgage Loan Application Amount | $86,915 |
| Highest Mortgage Loan Application Amount | $846,000 |
| Average Applicant Income | $107,474 |
| Highest Applicant Income | $2,508,000 |
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records First Bank & Trust East Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 184 | $ 15,297,000 | $ 83,135 | $ 97,000 |
| Nacogdoches, Texas | 124 | $ 12,789,000 | $ 103,137 | $ 107,000 |
| Sabine, Texas | 83 | $ 3,123,000 | $ 37,626 | $ 69,000 |
| Anderson, Texas | 62 | $ 4,900,000 | $ 79,032 | $ 142,000 |
| Jasper, Texas | 53 | $ 3,879,000 | $ 73,188 | $ 119,000 |
| Smith, Texas | 38 | $ 5,356,000 | $ 140,947 | $ 111,000 |
| Liberty, Texas | 21 | $ 1,811,000 | $ 86,238 | $ 170,000 |
| Gregg, Texas | 18 | $ 2,937,000 | $ 163,166 | $ 190,000 |
| San Augustine, Texas | 17 | $ 919,000 | $ 54,058 | $ 95,000 |
| San Jacinto, Texas | 12 | $ 678,000 | $ 56,500 | $ 94,000 |
| Montgomery, Texas | 8 | $ 432,000 | $ 54,000 | $ 81,000 |
| Harrison, Texas | 7 | $ 763,000 | $ 109,000 | $ 91,000 |
| Cherokee, Texas | 6 | $ 219,000 | $ 36,500 | $ 244,000 |
| Newton, Texas | 6 | $ 203,000 | $ 33,833 | $ 50,000 |
| Polk, Texas | 6 | $ 41,000 | $ 6,833 | $ 38,000 |
| Tyler, Texas | 6 | $ 273,000 | $ 45,500 | $ 57,000 |
| Rusk, Texas | 5 | $ 575,000 | $ 115,000 | $ 62,000 |
| Travis, Texas | 3 | $ 996,000 | $ 332,000 | $ 361,000 |
| Trinity, Texas | 3 | $ 190,000 | $ 63,333 | $ 42,000 |
| Brazos, Texas | 2 | $ 873,000 | $ 436,500 | $ 0 |
| Fort Bend, Texas | 2 | $ 620,000 | $ 310,000 | $ 664,000 |
| Orange, Texas | 2 | $ 124,000 | $ 62,000 | $ 39,000 |
| Shelby, Texas | 2 | $ 105,000 | $ 52,500 | $ 110,000 |
| Upshur, Texas | 2 | $ 192,000 | $ 96,000 | $ 122,000 |
| Bexar, Texas | 1 | $ 171,000 | $ 171,000 | $ 98,000 |
| Brazoria, Texas | 1 | $ 82,000 | $ 82,000 | $ 61,000 |
| Callahan, Texas | 1 | $ 52,000 | $ 52,000 | $ 60,000 |
| Collin, Texas | 1 | $ 148,000 | $ 148,000 | $ 65,000 |
| Concho, Texas | 1 | $ 723,000 | $ 723,000 | $ 0 |
| Dallas, Texas | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Ellis, Texas | 1 | $ 57,000 | $ 57,000 | $ 39,000 |
| Freestone, Texas | 1 | $ 248,000 | $ 248,000 | $ 129,000 |
| Hardin, Texas | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Harris, Texas | 1 | $ 136,000 | $ 136,000 | $ 75,000 |
| Houston, Texas | 1 | $ 27,000 | $ 27,000 | $ 20,000 |
| Jefferson, Texas | 1 | $ 332,000 | $ 332,000 | $ 125,000 |
| Lamar, Texas | 1 | $ 27,000 | $ 27,000 | $ 46,000 |
| Panola, Texas | 1 | $ 264,000 | $ 264,000 | $ 96,000 |
| Van Zandt, Texas | 1 | $ 96,000 | $ 96,000 | $ 151,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust East Texas in 2009
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 | 274 | $25,761,000 | $94,000 | $727,000 | $125,000 | $2,508,000 |
| Refinancing | 217 | $29,316,000 | $135,000 | $846,000 | $121,000 | $840,000 |
| Home Improvement | 196 | $4,634,000 | $23,000 | $193,000 | $68,000 | $348,000 |
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 | 555 | $51,177,000 | $92,000 | $846,000 | $124,000 | $2,508,000 |
| Hispanic | 66 | $1,710,000 | $25,000 | $200,000 | $39,000 | $126,000 |
| Not applicable | 28 | $4,788,000 | $171,000 | $723,000 | $2,000 | $80,000 |
| Black or African American | 27 | $951,000 | $35,000 | $163,000 | $45,000 | $181,000 |
| Asian | 9 | $1,044,000 | $116,000 | $417,000 | $148,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $41,000 | $20,000 | $29,000 | $62,000 | $93,000 |
| American Indian or Alaskan Native | 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) | 687 | $59,711,000 | $86,000 | $846,000 | $108,000 | $2,508,000 |
| 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 | 626 | $56,691,000 | $90,000 | $846,000 | $112,000 | $2,508,000 |
| Application Denied By Financial Institution | 48 | $2,095,000 | $43,000 | $142,000 | $49,000 | $200,000 |
| Application Approved But Not Accepted | 13 | $925,000 | $71,000 | $172,000 | $114,000 | $420,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Bank & Trust East Texas's 2009 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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