The First National Bank of Shiner Mortgage Lending & HMDA Data, 2017
In 2017, The First National Bank of Shiner of Shiner, TX reported 134 mortgage applications totaling $13.7 million, up 44% from 2016. The average application was for $101,925, and applicants reported an average income of $82,559. 70% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Victoria, TX (33), Corpus Christi, TX (4) and San Antonio-New Braunfels, TX (4) (applications in parentheses).
| Mortgage Company & Address | The First National Bank of Shiner 103 W. 7th St / P. O. Box 607 Shiner, TX 77984 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 134 |
| Total Mortgage Loan Application Amount | $13,658,000 |
| Average Mortgage Loan Application Amount | $101,925 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $82,559 |
| Highest Applicant Income | $301,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The First National Bank of Shiner filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lavaca, Texas | 33 | $ 2,364,000 | $ 71,636 | $ 77,000 |
| Goliad, Texas | 29 | $ 2,946,000 | $ 101,586 | $ 67,000 |
| Fayette, Texas | 21 | $ 1,682,000 | $ 80,095 | $ 82,000 |
| Gonzales, Texas | 18 | $ 2,079,000 | $ 115,500 | $ 92,000 |
| DeWitt, Texas | 9 | $ 921,000 | $ 102,333 | $ 74,000 |
| Victoria, Texas | 4 | $ 573,000 | $ 143,250 | $ 103,000 |
| Nueces, Texas | 3 | $ 664,000 | $ 221,333 | $ 75,000 |
| Bastrop, Texas | 2 | $ 78,000 | $ 39,000 | $ 136,000 |
| Bee, Texas | 2 | $ 202,000 | $ 101,000 | $ 136,000 |
| Colorado, Texas | 2 | $ 238,000 | $ 119,000 | $ 152,000 |
| Wilson, Texas | 2 | $ 286,000 | $ 143,000 | $ 45,000 |
| Bexar, Texas | 1 | $ 122,000 | $ 122,000 | $ 31,000 |
| Calhoun, Texas | 1 | $ 89,000 | $ 89,000 | $ 113,000 |
| Ellis, Texas | 1 | $ 5,000 | $ 5,000 | $ 115,000 |
| Fort Bend, Texas | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Gillespie, Texas | 1 | $ 495,000 | $ 495,000 | $ 300,000 |
| Guadalupe, Texas | 1 | $ 180,000 | $ 180,000 | $ 42,000 |
| Jim Wells, Texas | 1 | $ 250,000 | $ 250,000 | $ 141,000 |
| Karnes, Texas | 1 | $ 303,000 | $ 303,000 | $ 114,000 |
| San Patricio, Texas | 1 | $ 131,000 | $ 131,000 | $ 0 |
Mortgage Loan Application Detail Totals for The First National Bank of Shiner in 2017
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 | 63 | $8,419,000 | $133,000 | $495,000 | $91,000 | $300,000 |
| Home Improvement | 54 | $2,079,000 | $38,000 | $263,000 | $71,000 | $301,000 |
| Refinancing | 17 | $3,160,000 | $185,000 | $625,000 | $88,000 | $154,000 |
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 | 95 | $10,902,000 | $114,000 | $495,000 | $101,000 | $301,000 |
| Hispanic | 28 | $1,781,000 | $63,000 | $313,000 | $48,000 | $135,000 |
| Black or African American | 7 | $67,000 | $9,000 | $37,000 | $22,000 | $34,000 |
| Not applicable | 3 | $786,000 | $262,000 | $625,000 | $0 | $0 |
| Asian | 1 | $122,000 | $122,000 | $122,000 | $31,000 | $31,000 |
| American Indian or Alaskan Native | 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) | 134 | $13,658,000 | $101,000 | $625,000 | $83,000 | $301,000 |
| 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 | 94 | $9,985,000 | $106,000 | $625,000 | $85,000 | $301,000 |
| Application Approved But Not Accepted | 18 | $2,839,000 | $157,000 | $495,000 | $110,000 | $301,000 |
| Application Denied By Financial Institution | 17 | $615,000 | $36,000 | $225,000 | $57,000 | $216,000 |
| Application Withdrawn By Applicant | 4 | $182,000 | $45,000 | $114,000 | $37,000 | $54,000 |
| File Closed For Incompleteness | 1 | $37,000 | $37,000 | $37,000 | $26,000 | $26,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $582,000 | $38,000 | $225,000 | $58,000 | $216,000 |
| Collateral | 1 | $23,000 | $23,000 | $23,000 | $41,000 | $41,000 |
| Employment History | 1 | $10,000 | $10,000 | $10,000 | $50,000 | $50,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First National Bank of Shiner's 2017 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 The First National Bank of Shiner'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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