First Community Bank NA Mortgage Lending & HMDA Data, 2015
In 2015, First Community Bank NA of Sugar Land, TX reported 1,401 mortgage applications totaling $85.5 million, down 7% from 2014. The average application was for $61,045, and applicants reported an average income of $151,389. 47% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (691), Dallas-Plano-Irving, TX (352) and San Antonio-New Braunfels, TX (247) (applications in parentheses).
| Mortgage Company & Address | First Community Bank NA 3 Sugar Creek Center Blvd Suite 200 Sugar Land, TX 77478 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,401 |
| Total Mortgage Loan Application Amount | $85,525,000 |
| Average Mortgage Loan Application Amount | $61,045 |
| Highest Mortgage Loan Application Amount | $1,180,000 |
| Average Applicant Income | $151,389 |
| Highest Applicant Income | $825,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Community Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 691 | $ 46,188,000 | $ 66,842 | $ 157,000 |
| Dallas-Plano-Irving, TX | 352 | $ 22,005,000 | $ 62,514 | $ 159,000 |
| San Antonio-New Braunfels, TX | 247 | $ 11,338,000 | $ 45,902 | $ 129,000 |
| Austin-Round Rock, TX | 65 | $ 4,303,000 | $ 66,200 | $ 169,000 |
| Fort Worth-Arlington, TX | 11 | $ 572,000 | $ 52,000 | $ 211,000 |
| Waco, TX | 7 | $ 258,000 | $ 36,857 | $ 91,000 |
| Killeen-Temple, TX | 3 | $ 171,000 | $ 57,000 | $ 172,000 |
| Sherman-Denison, TX | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for First Community Bank NA 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 Improvement | 1,218 | $68,998,000 | $56,000 | $270,000 | $168,000 | $825,000 |
| Home Purchase | 169 | $14,490,000 | $85,000 | $1,180,000 | $39,000 | $532,000 |
| Refinancing | 14 | $2,037,000 | $145,000 | $730,000 | $63,000 | $284,000 |
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 | 850 | $51,810,000 | $60,000 | $880,000 | $168,000 | $825,000 |
| Hispanic | 227 | $12,928,000 | $56,000 | $187,000 | $116,000 | $468,000 |
| Not Provided | 179 | $9,752,000 | $54,000 | $150,000 | $151,000 | $492,000 |
| Black or African American | 66 | $3,378,000 | $51,000 | $149,000 | $146,000 | $480,000 |
| Not applicable | 37 | $4,170,000 | $112,000 | $1,180,000 | $0 | $0 |
| Asian | 35 | $3,057,000 | $87,000 | $150,000 | $148,000 | $363,000 |
| American Indian or Alaskan Native | 5 | $337,000 | $67,000 | $119,000 | $297,000 | $755,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $93,000 | $46,000 | $89,000 | $116,000 | $178,000 |
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) | 1,370 | $82,260,000 | $60,000 | $1,180,000 | $154,000 | $825,000 |
| FHA-insured (Federal Housing Administration) | 31 | $3,265,000 | $105,000 | $187,000 | $41,000 | $75,000 |
| 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 | 654 | $38,824,000 | $59,000 | $1,180,000 | $170,000 | $755,000 |
| Application Denied By Financial Institution | 579 | $33,152,000 | $57,000 | $150,000 | $156,000 | $703,000 |
| Loan Purchased By The Institution | 138 | $11,427,000 | $82,000 | $880,000 | $40,000 | $526,000 |
| Application Approved But Not Accepted | 26 | $1,672,000 | $64,000 | $203,000 | $153,000 | $397,000 |
| Application Withdrawn By Applicant | 4 | $450,000 | $112,000 | $270,000 | $333,000 | $825,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 265 | $14,763,000 | $55,000 | $150,000 | $115,000 | $342,000 |
| Credit History | 196 | $10,593,000 | $54,000 | $148,000 | $179,000 | $703,000 |
| Collateral | 57 | $4,237,000 | $74,000 | $150,000 | $212,000 | $563,000 |
| Unverifiable Information | 38 | $2,112,000 | $55,000 | $134,000 | $213,000 | $480,000 |
| Other | 15 | $975,000 | $65,000 | $140,000 | $189,000 | $391,000 |
| Employment History | 7 | $348,000 | $49,000 | $73,000 | $219,000 | $420,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $124,000 | $124,000 | $124,000 | $291,000 | $291,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Community Bank NA'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 Community Bank NA'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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