First Command Bank Mortgage Lending & HMDA Data, 2016
In 2016, First Command Bank of Fort Worth, TX reported 447 mortgage applications totaling $45.3 million, up 44600% from 2015. The average application was for $101,286, and applicants reported an average income of $131,398. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (34), Fort Worth-Arlington, TX (20) and San Antonio-New Braunfels, TX (20) (applications in parentheses).
| Mortgage Company & Address | First Command Bank 1 Firstcomm Plaza Fort Worth, TX 76109 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 |
| Total Number of Mortgage Applications | 447 |
| Total Mortgage Loan Application Amount | $45,275,000 |
| Average Mortgage Loan Application Amount | $101,286 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $131,398 |
| Highest Applicant Income | $1,704,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Command Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 34 | $ 2,148,000 | $ 63,176 | $ 186,764 |
| Fort Worth-Arlington, TX | 20 | $ 2,532,000 | $ 126,600 | $ 87,000 |
| San Antonio-New Braunfels, TX | 20 | $ 1,902,000 | $ 95,100 | $ 139,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 15 | $ 984,000 | $ 65,600 | $ 141,000 |
| Colorado Springs, CO | 11 | $ 1,132,000 | $ 102,909 | $ 140,000 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 818,000 | $ 81,800 | $ 125,000 |
| Fayetteville, NC | 9 | $ 158,000 | $ 17,555 | $ 113,000 |
| Baltimore-Columbia-Towson, MD | 8 | $ 665,000 | $ 83,125 | $ 170,000 |
| El Paso, TX | 8 | $ 453,000 | $ 56,625 | $ 109,000 |
| Killeen-Temple, TX | 8 | $ 265,000 | $ 33,125 | $ 129,000 |
| St. Louis, MO-IL | 8 | $ 551,000 | $ 68,875 | $ 97,000 |
| Kansas City, MO-KS | 7 | $ 789,000 | $ 112,714 | $ 127,000 |
| Urban Honolulu, HI | 7 | $ 866,000 | $ 123,714 | $ 157,000 |
| Charleston-North Charleston, SC | 6 | $ 945,000 | $ 157,500 | $ 122,000 |
| Dayton, OH | 6 | $ 401,000 | $ 66,833 | $ 125,000 |
| Oklahoma City, OK | 6 | $ 629,000 | $ 104,833 | $ 85,000 |
| Bremerton-Silverdale, WA | 5 | $ 1,120,000 | $ 224,000 | $ 91,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 533,000 | $ 106,600 | $ 178,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,367,000 | $ 273,400 | $ 184,000 |
| Tacoma-Lakewood, WA | 5 | $ 766,000 | $ 153,200 | $ 207,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 111,000 | $ 27,750 | $ 151,000 |
| Dallas-Plano-Irving, TX | 4 | $ 275,000 | $ 68,750 | $ 113,000 |
| Jacksonville, FL | 4 | $ 383,000 | $ 95,750 | $ 62,000 |
| Jacksonville, NC | 4 | $ 1,257,000 | $ 314,250 | $ 143,000 |
| Lawton, OK | 4 | $ 208,000 | $ 52,000 | $ 133,000 |
| Ogden-Clearfield, UT | 4 | $ 309,000 | $ 77,250 | $ 187,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 564,000 | $ 141,000 | $ 90,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 498,000 | $ 124,500 | $ 208,500 |
| Seattle-Bellevue-Everett, WA | 4 | $ 790,000 | $ 197,500 | $ 104,000 |
| Albuquerque, NM | 3 | $ 472,000 | $ 157,333 | $ 140,000 |
| Anchorage, AK | 3 | $ 545,000 | $ 181,666 | $ 164,000 |
| California-Lexington Park, MD | 3 | $ 487,000 | $ 162,333 | $ 167,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 222,000 | $ 74,000 | $ 163,000 |
| Fairbanks, AK | 3 | $ 250,000 | $ 83,333 | $ 108,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 467,000 | $ 155,666 | $ 130,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 113,000 | $ 37,666 | $ 132,333 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 75,000 | $ 25,000 | $ 29,000 |
| Panama City, FL | 3 | $ 552,000 | $ 184,000 | $ 71,000 |
| Richmond, VA | 3 | $ 177,000 | $ 59,000 | $ 130,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 996,000 | $ 332,000 | $ 100,000 |
| San Diego-Carlsbad, CA | 3 | $ 308,000 | $ 102,666 | $ 263,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 170,000 | $ 56,666 | $ 134,000 |
| Tucson, AZ | 3 | $ 303,000 | $ 101,000 | $ 84,000 |
| Watertown-Fort Drum, NY | 3 | $ 86,000 | $ 28,666 | $ 124,000 |
| Asheville, NC | 2 | $ 405,000 | $ 202,500 | $ 41,000 |
| Austin-Round Rock, TX | 2 | $ 567,000 | $ 283,500 | $ 139,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 32,000 | $ 16,000 | $ 128,000 |
| Cheyenne, WY | 2 | $ 482,000 | $ 241,000 | $ 119,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 73,000 | $ 36,500 | $ 133,000 |
| Columbia, SC | 2 | $ 69,000 | $ 34,500 | $ 153,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 191,000 | $ 95,500 | $ 77,000 |
| Fort Collins, CO | 2 | $ 681,000 | $ 340,500 | $ 192,000 |
| Goldsboro, NC | 2 | $ 344,000 | $ 172,000 | $ 79,000 |
| Huntsville, AL | 2 | $ 150,000 | $ 75,000 | $ 127,000 |
| Jackson, MS | 2 | $ 56,000 | $ 28,000 | $ 70,000 |
| Joplin, MO | 2 | $ 201,000 | $ 100,500 | $ 101,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 111,000 | $ 55,500 | $ 85,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 62,000 | $ 31,000 | $ 70,000 |
| Memphis, TN-MS-AR | 2 | $ 44,000 | $ 22,000 | $ 88,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 687,000 | $ 343,500 | $ 91,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 289,000 | $ 144,500 | $ 31,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 300,000 | $ 150,000 | $ 164,000 |
| Pittsburgh, PA | 2 | $ 340,000 | $ 170,000 | $ 76,000 |
| Port St. Lucie, FL | 2 | $ 285,000 | $ 142,500 | $ 102,000 |
| Savannah, GA | 2 | $ 53,000 | $ 26,500 | $ 191,000 |
| Waco, TX | 2 | $ 54,000 | $ 27,000 | $ 64,000 |
| York-Hanover, PA | 2 | $ 68,000 | $ 34,000 | $ 91,000 |
| Abilene, TX | 1 | $ 20,000 | $ 20,000 | $ 62,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 80,000 | $ 80,000 | $ 183,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 64,000 | $ 64,000 | $ 91,000 |
| Auburn-Opelika, AL | 1 | $ 20,000 | $ 20,000 | $ 185,000 |
| Baton Rouge, LA | 1 | $ 7,000 | $ 7,000 | $ 167,000 |
| Boise City, ID | 1 | $ 515,000 | $ 515,000 | $ 182,000 |
| Boston, MA | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 35,000 | $ 35,000 | $ 157,000 |
| Chattanooga, TN-GA | 1 | $ 61,000 | $ 61,000 | $ 224,000 |
| Clarksville, TN-KY | 1 | $ 3,000 | $ 3,000 | $ 145,000 |
| Columbus, GA-AL | 1 | $ 15,000 | $ 15,000 | $ 134,000 |
| Columbus, IN | 1 | $ 15,000 | $ 15,000 | $ 191,000 |
| Columbus, OH | 1 | $ 80,000 | $ 80,000 | $ 129,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 25,000 | $ 25,000 | $ 218,000 |
| Des Moines-West Des Moines, IA | 1 | $ 79,000 | $ 79,000 | $ 79,000 |
| Dover, DE | 1 | $ 5,000 | $ 5,000 | $ 98,000 |
| Green Bay, WI | 1 | $ 15,000 | $ 15,000 | $ 185,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 30,000 | $ 30,000 | $ 108,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 556,000 | $ 556,000 | $ 173,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 16,000 | $ 16,000 | $ 105,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 5,000 | $ 5,000 | $ 108,000 |
| Hinesville, GA | 1 | $ 47,000 | $ 47,000 | $ 34,000 |
| Homosassa Springs, FL | 1 | $ 63,000 | $ 63,000 | $ 78,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 3,000 | $ 3,000 | $ 23,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 13,000 | $ 13,000 | $ 131,000 |
| Jefferson City, MO | 1 | $ 25,000 | $ 25,000 | $ 187,000 |
| Lafayette-West Lafayette, IN | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Lakeland-Winter Haven, FL | 1 | $ 30,000 | $ 30,000 | $ 116,000 |
| Lynchburg, VA | 1 | $ 30,000 | $ 30,000 | $ 151,000 |
| Manchester-Nashua, NH | 1 | $ 220,000 | $ 220,000 | $ 65,000 |
| Manhattan, KS | 1 | $ 19,000 | $ 19,000 | $ 111,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 126,000 | $ 126,000 | $ 55,000 |
| Montgomery, AL | 1 | $ 287,000 | $ 287,000 | $ 396,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 30,000 | $ 30,000 | $ 300,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 37,000 | $ 37,000 | $ 180,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 18,000 | $ 18,000 | $ 104,000 |
| Prescott, AZ | 1 | $ 212,000 | $ 212,000 | $ 95,000 |
| Providence-Warwick, RI-MA | 1 | $ 40,000 | $ 40,000 | $ 135,000 |
| Raleigh, NC | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Rapid City, SD | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Reno, NV | 1 | $ 14,000 | $ 14,000 | $ 127,000 |
| Rockingham County-Strafford County, NH | 1 | $ 185,000 | $ 185,000 | $ 132,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 138,000 | $ 138,000 | $ 88,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 300,000 | $ 300,000 | $ 61,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 60,000 | $ 60,000 | $ 200,000 |
| Stockton-Lodi, CA | 1 | $ 420,000 | $ 420,000 | $ 264,000 |
| Sumter, SC | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Syracuse, NY | 1 | $ 140,000 | $ 140,000 | $ 122,000 |
| Tulsa, OK | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Vallejo-Fairfield, CA | 1 | $ 100,000 | $ 100,000 | $ 97,000 |
| Warner Robins, GA | 1 | $ 172,000 | $ 172,000 | $ 31,000 |
| Winston-Salem, NC | 1 | $ 319,000 | $ 319,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for First Command Bank in 2016
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 Improvement | 287 | $10,654,000 | $37,000 | $1,000,000 | $142,000 | $528,000 |
| Refinancing | 99 | $18,674,000 | $188,000 | $560,000 | $112,000 | $1,704,000 |
| Home Purchase | 61 | $15,947,000 | $261,000 | $656,000 | $113,000 | $319,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 200 | $18,265,000 | $91,000 | $656,000 | $135,000 | $528,000 |
| White | 190 | $22,683,000 | $119,000 | $1,000,000 | $135,000 | $1,704,000 |
| Black or African American | 36 | $2,157,000 | $59,000 | $386,000 | $101,000 | $370,000 |
| Hispanic | 10 | $879,000 | $87,000 | $515,000 | $99,000 | $182,000 |
| Asian | 8 | $1,235,000 | $154,000 | $495,000 | $147,000 | $264,000 |
| American Indian or Alaskan Native | 2 | $31,000 | $15,000 | $17,000 | $93,000 | $119,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $120,000 | $120,000 |
| Not applicable | 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) | 372 | $24,893,000 | $66,000 | $1,000,000 | $138,000 | $1,704,000 |
| VA-guaranteed (Veterans Administration) | 75 | $20,382,000 | $271,000 | $656,000 | $99,000 | $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 |
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 | 357 | $28,885,000 | $80,000 | $1,000,000 | $132,000 | $528,000 |
| Application Withdrawn By Applicant | 50 | $11,184,000 | $223,000 | $560,000 | $119,000 | $319,000 |
| Application Denied By Financial Institution | 29 | $3,851,000 | $132,000 | $527,000 | $145,000 | $1,704,000 |
| File Closed For Incompleteness | 9 | $1,213,000 | $134,000 | $290,000 | $125,000 | $178,000 |
| Application Approved But Not Accepted | 2 | $142,000 | $71,000 | $122,000 | $70,000 | $140,000 |
| 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 | 16 | $2,114,000 | $132,000 | $527,000 | $187,000 | $1,704,000 |
| Debt-To-Income Ratio | 8 | $825,000 | $103,000 | $258,000 | $56,000 | $96,000 |
| Collateral | 3 | $818,000 | $272,000 | $525,000 | $163,000 | $243,000 |
| Other | 2 | $94,000 | $47,000 | $51,000 | $134,000 | $146,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Command Bank's 2016 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 Command Bank'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.
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