First Bank & Trust East Texas Mortgage Lending & HMDA Data, 2010
In 2010, First Bank & Trust East Texas of Diboll, TX reported 643 mortgage applications totaling $58.2 million, down 6% from 2009. The average application was for $90,547, and applicants reported an average income of $117,250. 90% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (74), Tyler, TX (25) and Longview, TX (19) (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 | 643 |
| Total Mortgage Loan Application Amount | $58,222,000 |
| Average Mortgage Loan Application Amount | $90,547 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $117,250 |
| Highest Applicant Income | $2,304,000 |
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records First Bank & Trust East Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 200 | $ 17,825,000 | $ 89,125 | $ 107,000 |
| Nacogdoches, Texas | 90 | $ 8,786,000 | $ 97,622 | $ 109,000 |
| Sabine, Texas | 76 | $ 3,789,000 | $ 49,855 | $ 92,000 |
| Jasper, Texas | 56 | $ 4,708,000 | $ 84,071 | $ 85,000 |
| Anderson, Texas | 50 | $ 3,073,000 | $ 61,460 | $ 241,000 |
| Liberty, Texas | 38 | $ 2,366,000 | $ 62,263 | $ 78,000 |
| Smith, Texas | 25 | $ 6,460,000 | $ 258,400 | $ 156,000 |
| Montgomery, Texas | 19 | $ 1,392,000 | $ 73,263 | $ 109,000 |
| Gregg, Texas | 15 | $ 2,044,000 | $ 136,266 | $ 121,000 |
| San Augustine, Texas | 12 | $ 493,000 | $ 41,083 | $ 79,000 |
| San Jacinto, Texas | 12 | $ 423,000 | $ 35,250 | $ 60,000 |
| Newton, Texas | 5 | $ 842,000 | $ 168,400 | $ 169,000 |
| Polk, Texas | 5 | $ 385,000 | $ 77,000 | $ 63,000 |
| Travis, Texas | 5 | $ 1,198,000 | $ 239,600 | $ 294,000 |
| Cherokee, Texas | 4 | $ 488,000 | $ 122,000 | $ 121,000 |
| Harris, Texas | 4 | $ 384,000 | $ 96,000 | $ 22,000 |
| Harrison, Texas | 3 | $ 649,000 | $ 216,333 | $ 66,000 |
| Tyler, Texas | 3 | $ 447,000 | $ 149,000 | $ 89,000 |
| Henderson, Texas | 2 | $ 110,000 | $ 55,000 | $ 593,000 |
| Leon, Texas | 2 | $ 30,000 | $ 15,000 | $ 304,000 |
| Rusk, Texas | 2 | $ 503,000 | $ 251,500 | $ 219,000 |
| Trinity, Texas | 2 | $ 63,000 | $ 31,500 | $ 101,000 |
| Upshur, Texas | 2 | $ 325,000 | $ 162,500 | $ 245,000 |
| Pima, Arizona | 1 | $ 134,000 | $ 134,000 | $ 281,000 |
| Hillsborough, Florida | 1 | $ 2,000 | $ 2,000 | $ 92,000 |
| Brazos, Texas | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Collin, Texas | 1 | $ 281,000 | $ 281,000 | $ 41,000 |
| Dallas, Texas | 1 | $ 300,000 | $ 300,000 | $ 389,000 |
| Galveston, Texas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Hardin, Texas | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Houston, Texas | 1 | $ 35,000 | $ 35,000 | $ 235,000 |
| Jefferson, Texas | 1 | $ 38,000 | $ 38,000 | $ 108,000 |
| Shelby, Texas | 1 | $ 36,000 | $ 36,000 | $ 67,000 |
| Wood, Texas | 1 | $ 44,000 | $ 44,000 | $ 158,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust East Texas in 2010
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 | 287 | $32,023,000 | $111,000 | $2,200,000 | $142,000 | $2,304,000 |
| Home Improvement | 194 | $4,926,000 | $25,000 | $252,000 | $75,000 | $636,000 |
| Refinancing | 162 | $21,273,000 | $131,000 | $657,000 | $124,000 | $696,000 |
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 | 506 | $49,562,000 | $97,000 | $2,200,000 | $133,000 | $2,304,000 |
| Hispanic | 78 | $3,574,000 | $45,000 | $862,000 | $60,000 | $925,000 |
| Black or African American | 29 | $987,000 | $34,000 | $199,000 | $51,000 | $148,000 |
| Not applicable | 19 | $2,278,000 | $119,000 | $412,000 | $0 | $0 |
| Asian | 5 | $1,010,000 | $202,000 | $408,000 | $236,000 | $650,000 |
| American Indian or Alaskan Native | 4 | $246,000 | $61,000 | $128,000 | $81,000 | $108,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $565,000 | $282,000 | $416,000 | $151,000 | $206,000 |
| 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) | 643 | $58,222,000 | $90,000 | $2,200,000 | $117,000 | $2,304,000 |
| 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 | 581 | $53,562,000 | $92,000 | $2,200,000 | $122,000 | $2,304,000 |
| Application Denied By Financial Institution | 49 | $3,085,000 | $62,000 | $408,000 | $60,000 | $309,000 |
| Application Approved But Not Accepted | 13 | $1,575,000 | $121,000 | $657,000 | $133,000 | $696,000 |
| 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 2010 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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