First-Lockhart National Bank Mortgage Lending & HMDA Data, 2012
In 2012, First-Lockhart National Bank of Lockhart, TX reported 104 mortgage applications totaling $25.7 million, up 53% from 2011. The average application was for $247,509, and applicants reported an average income of $170,942. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Austin-Round Rock-San Marcos, TX (91), San Antonio-New Braunfels, TX (6) and College Station-Bryan, TX (1) (applications in parentheses).
| 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 | 104 |
| Total Mortgage Loan Application Amount | $25,741,000 |
| Average Mortgage Loan Application Amount | $247,509 |
| Highest Mortgage Loan Application Amount | $1,725,000 |
| Average Applicant Income | $170,942 |
| Highest Applicant Income | $1,419,000 |
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records First-Lockhart National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Austin-Round Rock-San Marcos, TX | 91 | $ 23,628,000 | $ 259,648 | $ 172,000 |
| San Antonio-New Braunfels, TX | 6 | $ 950,000 | $ 158,333 | $ 116,000 |
| College Station-Bryan, TX | 1 | $ 167,000 | $ 167,000 | $ 239,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 100,000 | $ 100,000 | $ 407,000 |
Mortgage Loan Application Detail Totals for First-Lockhart National Bank in 2012
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 | 78 | $21,127,000 | $270,000 | $1,725,000 | $170,000 | $823,000 |
| Refinancing | 14 | $3,638,000 | $259,000 | $1,676,000 | $177,000 | $1,419,000 |
| Home Improvement | 12 | $976,000 | $81,000 | $177,000 | $170,000 | $246,000 |
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 | 68 | $17,356,000 | $255,000 | $1,676,000 | $201,000 | $1,419,000 |
| Hispanic | 18 | $1,914,000 | $106,000 | $449,000 | $111,000 | $390,000 |
| Asian | 7 | $1,641,000 | $234,000 | $498,000 | $213,000 | $284,000 |
| Not applicable | 7 | $3,795,000 | $542,000 | $1,725,000 | $0 | $0 |
| Not Provided | 2 | $786,000 | $393,000 | $470,000 | $144,000 | $184,000 |
| American Indian or Alaskan Native | 1 | $58,000 | $58,000 | $58,000 | $107,000 | $107,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $191,000 | $191,000 | $191,000 | $230,000 | $230,000 |
| Black or African American | 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) | 104 | $25,741,000 | $247,000 | $1,725,000 | $171,000 | $1,419,000 |
| 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 | 75 | $20,173,000 | $268,000 | $1,725,000 | $178,000 | $1,419,000 |
| Application Withdrawn By Applicant | 13 | $2,429,000 | $186,000 | $569,000 | $171,000 | $436,000 |
| Application Denied By Financial Institution | 8 | $1,101,000 | $137,000 | $464,000 | $124,000 | $210,000 |
| Application Approved But Not Accepted | 7 | $1,984,000 | $283,000 | $669,000 | $166,000 | $421,000 |
| File Closed For Incompleteness | 1 | $54,000 | $54,000 | $54,000 | $83,000 | $83,000 |
| 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 | 4 | $247,000 | $61,000 | $100,000 | $156,000 | $210,000 |
| Debt-To-Income Ratio | 3 | $739,000 | $246,000 | $464,000 | $63,000 | $99,000 |
| Collateral | 1 | $115,000 | $115,000 | $115,000 | $180,000 | $180,000 |
| 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 |
| 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-Lockhart National Bank's 2012 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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