First-Lockhart National Bank Mortgage Lending & HMDA Data, 2014
In 2014, First-Lockhart National Bank of Lockhart, TX reported 109 mortgage applications totaling $24.1 million, down 15% from 2013. The average application was for $220,678, and applicants reported an average income of $129,275. 55% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Austin-Round Rock, TX (90), San Antonio-New Braunfels, TX (12) 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 | 109 |
| Total Mortgage Loan Application Amount | $24,054,000 |
| Average Mortgage Loan Application Amount | $220,678 |
| Highest Mortgage Loan Application Amount | $931,000 |
| Average Applicant Income | $129,275 |
| Highest Applicant Income | $1,535,000 |
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records First-Lockhart National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, TX | 90 | $ 19,029,000 | $ 211,433 | $ 119,000 |
| San Antonio-New Braunfels, TX | 12 | $ 2,868,000 | $ 239,000 | $ 178,000 |
| College Station-Bryan, TX | 1 | $ 108,000 | $ 108,000 | $ 37,000 |
| Worcester, MA-CT | 1 | $ 248,000 | $ 248,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for First-Lockhart National Bank in 2014
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 | 83 | $17,517,000 | $211,000 | $796,000 | $125,000 | $1,535,000 |
| Refinancing | 20 | $5,198,000 | $259,000 | $931,000 | $127,000 | $508,000 |
| Home Improvement | 6 | $1,339,000 | $223,000 | $371,000 | $196,000 | $442,000 |
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 | 60 | $13,009,000 | $216,000 | $931,000 | $166,000 | $1,535,000 |
| Hispanic | 22 | $4,063,000 | $184,000 | $930,000 | $132,000 | $618,000 |
| Not applicable | 18 | $4,628,000 | $257,000 | $775,000 | $0 | $0 |
| Not Provided | 5 | $1,027,000 | $205,000 | $616,000 | $109,000 | $212,000 |
| Asian | 2 | $900,000 | $450,000 | $750,000 | $152,000 | $253,000 |
| Black or African American | 2 | $427,000 | $213,000 | $389,000 | $167,000 | $199,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 105 | $23,444,000 | $223,000 | $931,000 | $132,000 | $1,535,000 |
| VA-guaranteed (Veterans Administration) | 2 | $312,000 | $156,000 | $175,000 | $64,000 | $68,000 |
| FHA-insured (Federal Housing Administration) | 1 | $135,000 | $135,000 | $135,000 | $56,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $163,000 | $163,000 | $163,000 | $48,000 | $48,000 |
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 | 60 | $13,731,000 | $228,000 | $931,000 | $148,000 | $1,535,000 |
| Application Denied By Financial Institution | 22 | $3,857,000 | $175,000 | $528,000 | $72,000 | $240,000 |
| Application Withdrawn By Applicant | 17 | $4,375,000 | $257,000 | $796,000 | $135,000 | $330,000 |
| Application Approved But Not Accepted | 8 | $1,999,000 | $249,000 | $930,000 | $151,000 | $455,000 |
| File Closed For Incompleteness | 2 | $92,000 | $46,000 | $57,000 | $45,000 | $53,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 10 | $2,283,000 | $228,000 | $528,000 | $90,000 | $189,000 |
| Credit History | 8 | $821,000 | $102,000 | $220,000 | $69,000 | $240,000 |
| Collateral | 2 | $445,000 | $222,000 | $266,000 | $26,000 | $52,000 |
| Unverifiable Information | 1 | $145,000 | $145,000 | $145,000 | $44,000 | $44,000 |
| Employment History | 1 | $163,000 | $163,000 | $163,000 | $48,000 | $48,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First-Lockhart National Bank's 2014 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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