First Bank & Trust East Texas Mortgage Lending & HMDA Data, 2015
In 2015, First Bank & Trust East Texas of Diboll, TX reported 737 mortgage applications totaling $71.1 million, down 8% from 2014. The average application was for $96,443, and applicants reported an average income of $99,525. 84% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (74), Beaumont-Port Arthur, TX (28) and Tyler, TX (21) (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 | 737 |
| Total Mortgage Loan Application Amount | $71,079,000 |
| Average Mortgage Loan Application Amount | $96,443 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $99,525 |
| Highest Applicant Income | $2,548,000 |
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records First Bank & Trust East Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 162 | $ 14,035,000 | $ 86,635 | $ 94,000 |
| Sabine, Texas | 95 | $ 8,239,000 | $ 86,726 | $ 107,000 |
| Jasper, Texas | 89 | $ 8,514,000 | $ 95,662 | $ 99,000 |
| Anderson, Texas | 79 | $ 5,210,000 | $ 65,949 | $ 70,000 |
| Nacogdoches, Texas | 66 | $ 6,611,000 | $ 100,166 | $ 109,000 |
| Montgomery, Texas | 35 | $ 4,347,000 | $ 124,200 | $ 86,000 |
| San Augustine, Texas | 31 | $ 1,622,000 | $ 52,322 | $ 91,000 |
| Liberty, Texas | 30 | $ 2,973,000 | $ 99,100 | $ 93,000 |
| Smith, Texas | 21 | $ 2,481,000 | $ 118,142 | $ 62,000 |
| Newton, Texas | 20 | $ 1,854,000 | $ 92,700 | $ 118,000 |
| Harrison, Texas | 16 | $ 2,249,000 | $ 140,562 | $ 76,000 |
| Gregg, Texas | 12 | $ 1,924,000 | $ 160,333 | $ 87,000 |
| Shelby, Texas | 11 | $ 1,669,000 | $ 151,727 | $ 105,000 |
| Harris, Texas | 7 | $ 666,000 | $ 95,142 | $ 131,000 |
| San Jacinto, Texas | 6 | $ 627,000 | $ 104,500 | $ 124,000 |
| Tyler, Texas | 6 | $ 898,000 | $ 149,666 | $ 79,000 |
| Hardin, Texas | 5 | $ 715,000 | $ 143,000 | $ 82,000 |
| Henderson, Texas | 4 | $ 259,000 | $ 64,750 | $ 75,000 |
| Rusk, Texas | 4 | $ 212,000 | $ 53,000 | $ 64,000 |
| Trinity, Texas | 4 | $ 222,000 | $ 55,500 | $ 84,000 |
| Upshur, Texas | 4 | $ 435,000 | $ 108,750 | $ 86,000 |
| Houston, Texas | 3 | $ 126,000 | $ 42,000 | $ 185,000 |
| Polk, Texas | 3 | $ 118,000 | $ 39,333 | $ 55,000 |
| Brazos, Texas | 2 | $ 222,000 | $ 111,000 | $ 362,000 |
| Cherokee, Texas | 2 | $ 395,000 | $ 197,500 | $ 130,000 |
| Freestone, Texas | 2 | $ 139,000 | $ 69,500 | $ 53,000 |
| Galveston, Texas | 2 | $ 391,000 | $ 195,500 | $ 168,000 |
| Jefferson, Texas | 2 | $ 137,000 | $ 68,500 | $ 120,000 |
| Navarro, Texas | 2 | $ 71,000 | $ 35,500 | $ 62,000 |
| Wood, Texas | 2 | $ 483,000 | $ 241,500 | $ 239,000 |
| Eagle, Colorado | 1 | $ 2,100,000 | $ 2,100,000 | $ 2,548,000 |
| Terrebonne, Louisiana | 1 | $ 68,000 | $ 68,000 | $ 19,000 |
| Brown, Texas | 1 | $ 59,000 | $ 59,000 | $ 61,000 |
| Hunt, Texas | 1 | $ 104,000 | $ 104,000 | $ 81,000 |
| Leon, Texas | 1 | $ 78,000 | $ 78,000 | $ 65,000 |
| Limestone, Texas | 1 | $ 292,000 | $ 292,000 | $ 104,000 |
| Orange, Texas | 1 | $ 62,000 | $ 62,000 | $ 34,000 |
| Taylor, Texas | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Travis, Texas | 1 | $ 250,000 | $ 250,000 | $ 597,000 |
| Van Zandt, Texas | 1 | $ 144,000 | $ 144,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for First Bank & Trust East Texas in 2015
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 | 448 | $52,650,000 | $117,000 | $2,100,000 | $105,000 | $2,548,000 |
| Home Improvement | 185 | $6,470,000 | $34,000 | $216,000 | $86,000 | $888,000 |
| Refinancing | 104 | $11,959,000 | $114,000 | $681,000 | $100,000 | $597,000 |
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 | 598 | $62,390,000 | $104,000 | $2,100,000 | $109,000 | $2,548,000 |
| Hispanic | 78 | $4,061,000 | $52,000 | $283,000 | $55,000 | $292,000 |
| Black or African American | 25 | $1,496,000 | $59,000 | $250,000 | $57,000 | $177,000 |
| Not applicable | 18 | $1,628,000 | $90,000 | $195,000 | $0 | $0 |
| Asian | 11 | $662,000 | $60,000 | $150,000 | $103,000 | $161,000 |
| American Indian or Alaskan Native | 5 | $461,000 | $92,000 | $207,000 | $167,000 | $341,000 |
| Not Provided | 2 | $381,000 | $190,000 | $211,000 | $85,000 | $95,000 |
| 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) | 737 | $71,079,000 | $96,000 | $2,100,000 | $99,000 | $2,548,000 |
| 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 | 617 | $61,788,000 | $100,000 | $2,100,000 | $105,000 | $2,548,000 |
| Application Denied By Financial Institution | 68 | $4,213,000 | $61,000 | $220,000 | $59,000 | $303,000 |
| Application Approved But Not Accepted | 42 | $4,359,000 | $103,000 | $350,000 | $87,000 | $194,000 |
| Application Withdrawn By Applicant | 10 | $719,000 | $71,000 | $158,000 | $53,000 | $174,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2015 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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