First National Bank in Graham Mortgage Lending & HMDA Data, 2011
In 2011, First National Bank in Graham of Graham, TX reported 92 mortgage applications totaling $14.0 million, up 5% from 2010. The average application was for $151,978, and applicants reported an average income of $233,478. 66% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Fort Worth-Arlington, TX (8), Austin-Round Rock-San Marcos, TX (2) and Dallas-Plano-Irving, TX (1) (applications in parentheses).
| Mortgage Company & Address | First National Bank in Graham P O Box 540 Graham, TX 76450 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 92 |
| Total Mortgage Loan Application Amount | $13,982,000 |
| Average Mortgage Loan Application Amount | $151,978 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $233,478 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank in Graham filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fort Worth-Arlington, TX | 8 | $ 974,000 | $ 121,750 | $ 402,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 474,000 | $ 237,000 | $ 96,000 |
| Dallas-Plano-Irving, TX | 1 | $ 152,000 | $ 152,000 | $ 124,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 323,000 | $ 323,000 | $ 339,000 |
| Kansas City, MO-KS | 1 | $ 131,000 | $ 131,000 | $ 0 |
Mortgage Loan Application Detail Totals for First National Bank in Graham in 2011
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 | 59 | $8,948,000 | $151,000 | $850,000 | $233,000 | $1,500,000 |
| Refinancing | 28 | $4,443,000 | $158,000 | $417,000 | $246,000 | $1,200,000 |
| Home Improvement | 5 | $591,000 | $118,000 | $497,000 | $169,000 | $612,000 |
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 | 80 | $12,465,000 | $155,000 | $672,000 | $256,000 | $1,500,000 |
| Hispanic | 9 | $533,000 | $59,000 | $173,000 | $105,000 | $282,000 |
| Not applicable | 2 | $886,000 | $443,000 | $850,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $98,000 | $98,000 | $98,000 | $41,000 | $41,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 92 | $13,982,000 | $151,000 | $850,000 | $233,000 | $1,500,000 |
| 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 | 61 | $9,690,000 | $158,000 | $850,000 | $274,000 | $1,500,000 |
| Application Denied By Financial Institution | 14 | $1,831,000 | $130,000 | $325,000 | $78,000 | $164,000 |
| Application Withdrawn By Applicant | 12 | $2,025,000 | $168,000 | $417,000 | $265,000 | $660,000 |
| Application Approved But Not Accepted | 5 | $436,000 | $87,000 | $152,000 | $93,000 | $124,000 |
| 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 | 7 | $1,251,000 | $178,000 | $325,000 | $93,000 | $164,000 |
| Collateral | 2 | $109,000 | $54,000 | $74,000 | $75,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $183,000 | $91,000 | $118,000 | $56,000 | $83,000 |
| Credit History | 2 | $150,000 | $75,000 | $114,000 | $34,000 | $45,000 |
| Other | 1 | $138,000 | $138,000 | $138,000 | $108,000 | $108,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 National Bank in Graham's 2011 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 National Bank in Graham'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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