First-Lockhart National Bank Mortgage Lending & HMDA Data, 2016
In 2016, First-Lockhart National Bank of Lockhart, TX reported 76 mortgage applications totaling $24.7 million, down 24% from 2015. The average application was for $325,184, and applicants reported an average income of $139,210. 66% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Austin-Round Rock, TX (61), San Antonio-New Braunfels, TX (6) 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 | 76 |
| Total Mortgage Loan Application Amount | $24,714,000 |
| Average Mortgage Loan Application Amount | $325,184 |
| Highest Mortgage Loan Application Amount | $2,520,000 |
| Average Applicant Income | $139,210 |
| Highest Applicant Income | $884,000 |
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records First-Lockhart National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First-Lockhart National Bank in 2016
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 | 55 | $17,972,000 | $326,000 | $2,520,000 | $113,000 | $459,000 |
| Refinancing | 19 | $6,404,000 | $337,000 | $2,200,000 | $181,000 | $884,000 |
| Home Improvement | 2 | $338,000 | $169,000 | $204,000 | $463,000 | $751,000 |
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 | 50 | $14,469,000 | $289,000 | $2,200,000 | $179,000 | $884,000 |
| Not applicable | 13 | $7,797,000 | $599,000 | $2,520,000 | $0 | $0 |
| Hispanic | 7 | $923,000 | $131,000 | $287,000 | $81,000 | $123,000 |
| Black or African American | 3 | $342,000 | $114,000 | $200,000 | $146,000 | $310,000 |
| Asian | 2 | $483,000 | $241,000 | $251,000 | $220,000 | $370,000 |
| Not Provided | 1 | $700,000 | $700,000 | $700,000 | $204,000 | $204,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 74 | $24,622,000 | $332,000 | $2,520,000 | $142,000 | $884,000 |
| FHA-insured (Federal Housing Administration) | 1 | $56,000 | $56,000 | $56,000 | $36,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $36,000 | $36,000 | $36,000 | $53,000 | $53,000 |
| 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 | 50 | $17,148,000 | $342,000 | $2,520,000 | $140,000 | $884,000 |
| Application Withdrawn By Applicant | 15 | $3,961,000 | $264,000 | $750,000 | $161,000 | $340,000 |
| Application Denied By Financial Institution | 8 | $1,728,000 | $216,000 | $750,000 | $71,000 | $156,000 |
| Application Approved But Not Accepted | 3 | $1,877,000 | $625,000 | $1,752,000 | $196,000 | $369,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5 | $1,539,000 | $307,000 | $750,000 | $86,000 | $156,000 |
| Collateral | 2 | $153,000 | $76,000 | $88,000 | $44,000 | $51,000 |
| Other | 1 | $36,000 | $36,000 | $36,000 | $53,000 | $53,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First-Lockhart National Bank's 2016 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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