First Community Bank the Woodl Mortgage Lending & HMDA Data, 2004
In 2004, First Community Bank the Woodl of Tomball, TX reported 97 mortgage applications totaling $6.4 million, up 87% from 2003. The average application was for $65,680, and applicants reported an average income of $95,690. 40% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (22), Austin-Round Rock, TX (13) and Houston-Baytown-Sugar Land, TX (13) (applications in parentheses).
| Mortgage Company & Address | First Community Bank the Woodl 1150 West Main Street Tomball, TX 77377 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 97 |
| Total Mortgage Loan Application Amount | $6,371,000 |
| Average Mortgage Loan Application Amount | $65,680 |
| Highest Mortgage Loan Application Amount | $1,080,000 |
| Average Applicant Income | $95,690 |
| Highest Applicant Income | $770,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Community Bank the Woodl filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Bexar, Texas | 8 | $ 210,000 | $ 26,250 | $ 52,000 |
| Harris, Texas | 8 | $ 2,346,000 | $ 293,250 | $ 58,000 |
| Barrow, Georgia | 4 | $ 115,000 | $ 28,750 | $ 70,000 |
| Coweta, Georgia | 4 | $ 110,000 | $ 27,500 | $ 123,000 |
| Montgomery, Texas | 4 | $ 454,000 | $ 113,500 | $ 250,000 |
| Travis, Texas | 4 | $ 100,000 | $ 25,000 | $ 76,000 |
| Williamson, Texas | 4 | $ 117,000 | $ 29,250 | $ 101,000 |
| Henry, Georgia | 3 | $ 82,000 | $ 27,333 | $ 71,000 |
| Guadalupe, Texas | 3 | $ 88,000 | $ 29,333 | $ 75,000 |
| Douglas, Georgia | 2 | $ 54,000 | $ 27,000 | $ 95,000 |
| Guilford, North Carolina | 2 | $ 50,000 | $ 25,000 | $ 80,000 |
| Orange, North Carolina | 2 | $ 60,000 | $ 30,000 | $ 82,000 |
| Oklahoma, Oklahoma | 2 | $ 62,000 | $ 31,000 | $ 70,000 |
| Bastrop, Texas | 2 | $ 56,000 | $ 28,000 | $ 94,000 |
| Hays, Texas | 2 | $ 50,000 | $ 25,000 | $ 79,000 |
| Lampasas, Texas | 2 | $ 59,000 | $ 29,500 | $ 93,000 |
| McLennan, Texas | 2 | $ 56,000 | $ 28,000 | $ 71,000 |
| Robertson, Texas | 2 | $ 56,000 | $ 28,000 | $ 91,000 |
| Wilson, Texas | 2 | $ 62,000 | $ 31,000 | $ 68,000 |
| Brevard, Florida | 1 | $ 106,000 | $ 106,000 | $ 48,000 |
| Bartow, Georgia | 1 | $ 27,000 | $ 27,000 | $ 71,000 |
| Butts, Georgia | 1 | $ 29,000 | $ 29,000 | $ 89,000 |
| Carroll, Georgia | 1 | $ 33,000 | $ 33,000 | $ 96,000 |
| Cobb, Georgia | 1 | $ 23,000 | $ 23,000 | $ 58,000 |
| DeKalb, Georgia | 1 | $ 24,000 | $ 24,000 | $ 71,000 |
| Fayette, Georgia | 1 | $ 26,000 | $ 26,000 | $ 52,000 |
| Fulton, Georgia | 1 | $ 25,000 | $ 25,000 | $ 125,000 |
| Gwinnett, Georgia | 1 | $ 32,000 | $ 32,000 | $ 67,000 |
| Jackson, Georgia | 1 | $ 31,000 | $ 31,000 | $ 65,000 |
| Oconee, Georgia | 1 | $ 27,000 | $ 27,000 | $ 76,000 |
| Paulding, Georgia | 1 | $ 30,000 | $ 30,000 | $ 76,000 |
| East Baton Rouge, Louisiana | 1 | $ 391,000 | $ 391,000 | $ 344,000 |
| Santa Fe, New Mexico | 1 | $ 185,000 | $ 185,000 | $ 113,000 |
| Columbia, New York | 1 | $ 80,000 | $ 80,000 | $ 35,000 |
| Ulster, New York | 1 | $ 398,000 | $ 398,000 | $ 108,000 |
| Davie, North Carolina | 1 | $ 168,000 | $ 168,000 | $ 70,000 |
| Franklin, North Carolina | 1 | $ 44,000 | $ 44,000 | $ 233,000 |
| Granville, North Carolina | 1 | $ 26,000 | $ 26,000 | $ 41,000 |
| Harnett, North Carolina | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Comanche, Oklahoma | 1 | $ 28,000 | $ 28,000 | $ 82,000 |
| Grady, Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 68,000 |
| Stephens, Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 28,000 |
| Bell, Texas | 1 | $ 32,000 | $ 32,000 | $ 149,000 |
| Burnet, Texas | 1 | $ 26,000 | $ 26,000 | $ 85,000 |
| Caldwell, Texas | 1 | $ 29,000 | $ 29,000 | $ 78,000 |
| Chambers, Texas | 1 | $ 24,000 | $ 24,000 | $ 86,000 |
| Cherokee, Texas | 1 | $ 28,000 | $ 28,000 | $ 76,000 |
| Coryell, Texas | 1 | $ 29,000 | $ 29,000 | $ 68,000 |
| Gillespie, Texas | 1 | $ 26,000 | $ 26,000 | $ 72,000 |
| Grimes, Texas | 1 | $ 72,000 | $ 72,000 | $ 57,000 |
| Kaufman, Texas | 1 | $ 27,000 | $ 27,000 | $ 84,000 |
| Milam, Texas | 1 | $ 29,000 | $ 29,000 | $ 106,000 |
| Tarrant, Texas | 1 | $ 27,000 | $ 27,000 | $ 393,000 |
| Van Zandt, Texas | 1 | $ 27,000 | $ 27,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for First Community Bank the Woodl in 2004
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 | 80 | $2,235,000 | $27,750 | $44,000 | $84,750 | $393,000 |
| Home Purchase | 9 | $2,748,000 | $265,333 | $1,080,000 | $143,000 | $344,000 |
| Refinancing | 8 | $1,388,000 | $197,800 | $398,000 | $128,800 | $770,000 |
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 | 47 | $2,930,000 | $122,714 | $391,000 | $116,142 | $770,000 |
| Not Provided | 35 | $1,436,000 | $102,500 | $398,000 | $82,666 | $233,000 |
| Hispanic | 7 | $174,000 | $27,000 | $30,000 | $64,000 | $76,000 |
| Black or African American | 5 | $141,000 | $28,333 | $32,000 | $96,333 | $149,000 |
| Not applicable | 2 | $1,664,000 | $832,000 | $1,080,000 | $0 | $0 |
| Asian | 1 | $26,000 | $26,000 | $26,000 | $72,000 | $72,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 97 | $6,371,000 | $136,875 | $1,080,000 | $115,125 | $770,000 |
| 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 Purchased By The Institution | 49 | $1,354,000 | $27,666 | $34,000 | $73,333 | $393,000 |
| Loan Originated | 39 | $3,595,000 | $111,000 | $1,080,000 | $117,666 | $770,000 |
| Application Withdrawn By Applicant | 7 | $1,378,000 | $189,833 | $398,000 | $116,000 | $344,000 |
| Application Approved But Not Accepted | 1 | $23,000 | $23,000 | $23,000 | $92,000 | $92,000 |
| Application Denied By Financial Institution | 1 | $21,000 | $21,000 | $21,000 | $39,000 | $39,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $21,000 | $21,000 | $21,000 | $39,000 | $39,000 |
| 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 |
| Collateral | 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 the Woodl's 2004 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 the Woodl'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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