First-Lockhart National Bank Mortgage Lending & HMDA Data, 2019
In 2019, First-Lockhart National Bank of Lockhart, TX reported 43 mortgage applications totaling $11.5 million, down 41% from 2018. The average application was for $267,558, and applicants reported an average income of $201,953. 74% of its applications resulted in an originated loan and 14% were denied. Its largest market was Austin-Round Rock, TX (36).
| Mortgage Company & Address | First-Lockhart National Bank P O Box 600 Lockhart, TX 78644 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 43 |
| Total Mortgage Loan Application Amount | $11,505,000 |
| Average Mortgage Loan Application Amount | $267,558 |
| Highest Mortgage Loan Application Amount | $1,025,000 |
| Average Applicant Income | $201,953 |
| Highest Applicant Income | $895,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First-Lockhart National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First-Lockhart National Bank in 2019
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 | 23 | $6,375,000 | $277,000 | $775,000 | $287,000 | $895,000 |
| Refinancing | 11 | $4,075,000 | $370,000 | $1,025,000 | $107,000 | $223,000 |
| Other Purpose | 7 | $855,000 | $122,000 | $255,000 | $86,000 | $213,000 |
| Home Improvement | 2 | $200,000 | $100,000 | $105,000 | $152,000 | $163,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 21 | $5,455,000 | $259,000 | $775,000 | $221,000 | $895,000 |
| Not applicable | 13 | $4,095,000 | $315,000 | $1,025,000 | $0 | $0 |
| Hispanic | 5 | $605,000 | $121,000 | $165,000 | $97,000 | $141,000 |
| Black or African American | 3 | $895,000 | $298,000 | $595,000 | $122,000 | $223,000 |
| Not Provided | 1 | $455,000 | $455,000 | $455,000 | $180,000 | $180,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 43 | $11,505,000 | $267,000 | $1,025,000 | $189,000 | $895,000 |
| 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 | 32 | $8,200,000 | $256,000 | $1,025,000 | $216,000 | $895,000 |
| Application Denied By Financial Institution | 6 | $1,630,000 | $271,000 | $595,000 | $93,000 | $223,000 |
| Application Withdrawn By Applicant | 4 | $1,620,000 | $405,000 | $775,000 | $225,000 | $372,000 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $98,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 37 | $9,875,000 | $266,000 | $1,025,000 | $213,000 | $895,000 |
| Credit History | 3 | $1,265,000 | $421,000 | $595,000 | $129,000 | $223,000 |
| Debt-To-Income Ratio | 1 | $165,000 | $165,000 | $165,000 | $19,000 | $19,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $96,000 | $96,000 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $58,000 | $58,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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-Lockhart National Bank's 2019 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-Lockhart National 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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