First-Lockhart National Bank Mortgage Lending & HMDA Data, 2018
In 2018, First-Lockhart National Bank of Lockhart, TX reported 73 mortgage applications totaling $19.8 million, up 7% from 2017. The average application was for $271,301, and applicants reported an average income of $179,657. 75% of its applications resulted in an originated loan and 10% were denied. Its largest market was Austin-Round Rock, TX (51).
| 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 | 73 |
| Total Mortgage Loan Application Amount | $19,805,000 |
| Average Mortgage Loan Application Amount | $271,301 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $179,657 |
| Highest Applicant Income | $759,000 |
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records First-Lockhart National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 51 | $ 13,305,000 | $ 260,882 | $ 171,000 |
Mortgage Loan Application Detail Totals for First-Lockhart National Bank in 2018
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 | 54 | $15,280,000 | $282,000 | $1,505,000 | $181,000 | $747,000 |
| Refinancing | 9 | $2,775,000 | $308,000 | $1,405,000 | $220,000 | $759,000 |
| Other Purpose | 5 | $905,000 | $181,000 | $305,000 | $143,000 | $240,000 |
| Home Improvement | 4 | $340,000 | $85,000 | $135,000 | $129,000 | $233,000 |
| Cash-out Refinancing | 1 | $505,000 | $505,000 | $505,000 | $130,000 | $130,000 |
| 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 | 35 | $10,815,000 | $309,000 | $1,505,000 | $185,000 | $759,000 |
| Not applicable | 28 | $7,390,000 | $263,000 | $1,405,000 | $0 | $0 |
| Hispanic | 4 | $620,000 | $155,000 | $245,000 | $113,000 | $168,000 |
| Asian | 2 | $170,000 | $85,000 | $135,000 | $176,000 | $233,000 |
| Black or African American | 2 | $150,000 | $75,000 | $125,000 | $118,000 | $136,000 |
| Not Provided | 2 | $660,000 | $330,000 | $355,000 | $184,000 | $200,000 |
| 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) | 69 | $18,795,000 | $272,000 | $1,505,000 | $184,000 | $759,000 |
| FHA-insured (Federal Housing Administration) | 4 | $1,010,000 | $252,000 | $345,000 | $88,000 | $129,000 |
| 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 | 55 | $13,765,000 | $250,000 | $1,505,000 | $205,000 | $759,000 |
| Application Denied By Financial Institution | 7 | $1,445,000 | $206,000 | $285,000 | $57,000 | $111,000 |
| Application Withdrawn By Applicant | 7 | $2,335,000 | $333,000 | $505,000 | $158,000 | $298,000 |
| Application Approved But Not Accepted | 4 | $2,260,000 | $565,000 | $1,275,000 | $213,000 | $450,000 |
| 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 | 66 | $18,360,000 | $278,000 | $1,505,000 | $197,000 | $759,000 |
| Debt-To-Income Ratio | 4 | $920,000 | $230,000 | $285,000 | $56,000 | $111,000 |
| Credit History | 3 | $525,000 | $175,000 | $235,000 | $59,000 | $105,000 |
| 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 |
| Collateral | 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 2018 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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