First-Lockhart National Bank Mortgage Lending & HMDA Data, 2015
In 2015, First-Lockhart National Bank of Lockhart, TX reported 100 mortgage applications totaling $20.7 million, down 8% from 2014. The average application was for $206,620, and applicants reported an average income of $143,450. 70% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Austin-Round Rock, TX (76), San Antonio-New Braunfels, TX (10) and Corpus Christi, TX (2) (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 | 100 |
| Total Mortgage Loan Application Amount | $20,662,000 |
| Average Mortgage Loan Application Amount | $206,620 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $143,450 |
| Highest Applicant Income | $1,162,000 |
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records First-Lockhart National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 76 | $ 15,515,000 | $ 204,144 | $ 108,000 |
| San Antonio-New Braunfels, TX | 10 | $ 1,612,000 | $ 161,200 | $ 326,000 |
| Corpus Christi, TX | 2 | $ 225,000 | $ 112,500 | $ 72,000 |
| Dallas-Plano-Irving, TX | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 74,000 | $ 74,000 | $ 63,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 349,000 | $ 349,000 | $ 184,000 |
Mortgage Loan Application Detail Totals for First-Lockhart National Bank in 2015
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 | 76 | $16,479,000 | $216,000 | $1,300,000 | $137,000 | $1,036,000 |
| Refinancing | 19 | $3,591,000 | $189,000 | $480,000 | $167,000 | $1,162,000 |
| Home Improvement | 5 | $592,000 | $118,000 | $400,000 | $152,000 | $290,000 |
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 | 69 | $15,619,000 | $226,000 | $1,300,000 | $195,000 | $1,162,000 |
| Not applicable | 23 | $3,591,000 | $156,000 | $320,000 | $0 | $0 |
| Hispanic | 7 | $1,317,000 | $188,000 | $601,000 | $112,000 | $247,000 |
| Black or African American | 1 | $135,000 | $135,000 | $135,000 | $94,000 | $94,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 97 | $20,011,000 | $206,000 | $1,300,000 | $145,000 | $1,162,000 |
| FHA-insured (Federal Housing Administration) | 1 | $81,000 | $81,000 | $81,000 | $71,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $135,000 | $135,000 | $135,000 | $94,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 1 | $435,000 | $435,000 | $435,000 | $82,000 | $82,000 |
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 | 70 | $13,087,000 | $186,000 | $1,020,000 | $147,000 | $1,162,000 |
| Application Withdrawn By Applicant | 16 | $4,311,000 | $269,000 | $1,300,000 | $177,000 | $744,000 |
| Application Denied By Financial Institution | 10 | $2,407,000 | $240,000 | $480,000 | $79,000 | $225,000 |
| Application Approved But Not Accepted | 4 | $857,000 | $214,000 | $400,000 | $93,000 | $247,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $819,000 | $204,000 | $312,000 | $61,000 | $92,000 |
| Credit History | 3 | $636,000 | $212,000 | $471,000 | $111,000 | $225,000 |
| Debt-To-Income Ratio | 3 | $952,000 | $317,000 | $480,000 | $70,000 | $82,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First-Lockhart National Bank's 2015 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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