First-Lockhart National Bank Mortgage Lending & HMDA Data, 2013
In 2013, First-Lockhart National Bank of Lockhart, TX reported 128 mortgage applications totaling $28.7 million, up 23% from 2012. The average application was for $224,093, and applicants reported an average income of $156,046. 60% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Austin-Round Rock-San Marcos, TX (102), San Antonio-New Braunfels, TX (14) and Corpus Christi, TX (4) (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 | 128 |
| Total Mortgage Loan Application Amount | $28,684,000 |
| Average Mortgage Loan Application Amount | $224,093 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $156,046 |
| Highest Applicant Income | $1,435,000 |
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records First-Lockhart National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 102 | $ 21,797,000 | $ 213,696 | $ 145,000 |
| San Antonio-New Braunfels, TX | 14 | $ 3,975,000 | $ 283,928 | $ 152,000 |
| Corpus Christi, TX | 4 | $ 475,000 | $ 118,750 | $ 239,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 187,000 | $ 187,000 | $ 212,000 |
Mortgage Loan Application Detail Totals for First-Lockhart National Bank in 2013
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 | 84 | $19,153,000 | $228,000 | $1,380,000 | $169,000 | $1,435,000 |
| Refinancing | 34 | $8,516,000 | $250,000 | $2,200,000 | $107,000 | $547,000 |
| Home Improvement | 10 | $1,015,000 | $101,000 | $276,000 | $214,000 | $650,000 |
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 | 88 | $19,171,000 | $217,000 | $1,380,000 | $191,000 | $1,435,000 |
| Hispanic | 16 | $1,815,000 | $113,000 | $360,000 | $77,000 | $215,000 |
| Not applicable | 10 | $5,492,000 | $549,000 | $2,200,000 | $0 | $0 |
| Not Provided | 6 | $846,000 | $141,000 | $193,000 | $130,000 | $258,000 |
| Black or African American | 5 | $604,000 | $120,000 | $432,000 | $155,000 | $523,000 |
| Asian | 3 | $756,000 | $252,000 | $373,000 | $144,000 | $196,000 |
| 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) | 128 | $28,684,000 | $224,000 | $2,200,000 | $156,000 | $1,435,000 |
| 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 | 77 | $19,388,000 | $251,000 | $1,380,000 | $180,000 | $1,435,000 |
| Application Denied By Financial Institution | 24 | $2,811,000 | $117,000 | $400,000 | $96,000 | $429,000 |
| Application Withdrawn By Applicant | 19 | $3,188,000 | $167,000 | $750,000 | $120,000 | $730,000 |
| Application Approved But Not Accepted | 8 | $3,297,000 | $412,000 | $2,200,000 | $189,000 | $650,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 11 | $1,187,000 | $107,000 | $400,000 | $116,000 | $429,000 |
| Debt-To-Income Ratio | 11 | $1,385,000 | $125,000 | $305,000 | $75,000 | $172,000 |
| Collateral | 1 | $77,000 | $77,000 | $77,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $162,000 | $162,000 | $162,000 | $156,000 | $156,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First-Lockhart National Bank's 2013 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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