Captex Bank, National Association Mortgage Lending & HMDA Data, 2015
In 2015, Captex Bank, National Association of Trenton, TX reported 1,467 mortgage applications totaling $317.3 million, up 2% from 2014. The average application was for $216,295, and applicants reported an average income of $100,944. 77% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Dallas-Plano-Irving, TX (399), Fort Worth-Arlington, TX (235) and San Antonio-New Braunfels, TX (193) (applications in parentheses).
| Mortgage Company & Address | Captex Bank, National Association Po Box 4 Trenton, TX 75490 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 | 1,467 |
| Total Mortgage Loan Application Amount | $317,306,000 |
| Average Mortgage Loan Application Amount | $216,295 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $100,944 |
| Highest Applicant Income | $902,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Captex Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 399 | $ 91,535,000 | $ 229,411 | $ 111,000 |
| Fort Worth-Arlington, TX | 235 | $ 46,588,000 | $ 198,246 | $ 100,000 |
| San Antonio-New Braunfels, TX | 193 | $ 40,658,000 | $ 210,663 | $ 93,000 |
| Denver-Aurora-Lakewood, CO | 131 | $ 35,962,000 | $ 274,519 | $ 95,000 |
| Houston-The Woodlands-Sugar Land, TX | 131 | $ 28,764,000 | $ 219,572 | $ 110,000 |
| Sherman-Denison, TX | 29 | $ 4,042,000 | $ 139,379 | $ 105,000 |
| Boulder, CO | 12 | $ 3,535,000 | $ 294,583 | $ 144,000 |
| Austin-Round Rock, TX | 10 | $ 2,510,000 | $ 251,000 | $ 136,000 |
| Fort Collins, CO | 10 | $ 2,529,000 | $ 252,900 | $ 90,000 |
| Lubbock, TX | 9 | $ 1,421,000 | $ 157,888 | $ 84,000 |
| Midland, TX | 9 | $ 1,888,000 | $ 209,777 | $ 109,000 |
| Laredo, TX | 8 | $ 1,664,000 | $ 208,000 | $ 87,000 |
| Corpus Christi, TX | 7 | $ 2,048,000 | $ 292,571 | $ 198,000 |
| College Station-Bryan, TX | 5 | $ 1,234,000 | $ 246,800 | $ 82,000 |
| Colorado Springs, CO | 5 | $ 1,352,000 | $ 270,400 | $ 94,000 |
| Grand Forks, ND-MN | 5 | $ 602,000 | $ 120,400 | $ 35,400 |
| Greeley, CO | 5 | $ 1,442,000 | $ 288,400 | $ 99,000 |
| Killeen-Temple, TX | 5 | $ 556,000 | $ 111,200 | $ 60,000 |
| Tyler, TX | 5 | $ 889,000 | $ 177,800 | $ 84,000 |
| New Orleans-Metairie, LA | 4 | $ 1,214,000 | $ 303,500 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 687,000 | $ 171,750 | $ 69,000 |
| Amarillo, TX | 3 | $ 559,000 | $ 186,333 | $ 91,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 653,000 | $ 217,666 | $ 71,000 |
| Raleigh, NC | 3 | $ 668,000 | $ 222,666 | $ 79,000 |
| Abilene, TX | 2 | $ 396,000 | $ 198,000 | $ 68,000 |
| Beaumont-Port Arthur, TX | 2 | $ 459,000 | $ 229,500 | $ 87,000 |
| El Paso, TX | 2 | $ 323,000 | $ 161,500 | $ 93,000 |
| Fayetteville, NC | 2 | $ 375,000 | $ 187,500 | $ 64,000 |
| Las Cruces, NM | 2 | $ 262,000 | $ 131,000 | $ 84,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 323,000 | $ 161,500 | $ 104,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 827,000 | $ 413,500 | $ 73,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 474,000 | $ 237,000 | $ 69,000 |
| Oklahoma City, OK | 2 | $ 496,000 | $ 248,000 | $ 97,000 |
| Panama City, FL | 2 | $ 398,000 | $ 199,000 | $ 60,000 |
| Port St. Lucie, FL | 2 | $ 551,000 | $ 275,500 | $ 28,000 |
| Silver Spring-Frederick-Rockville, MD | 2 | $ 762,000 | $ 381,000 | $ 140,000 |
| Texarkana, TX-AR | 2 | $ 483,000 | $ 241,500 | $ 83,000 |
| Winston-Salem, NC | 2 | $ 549,000 | $ 274,500 | $ 80,000 |
| Alexandria, LA | 1 | $ 269,000 | $ 269,000 | $ 124,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 150,000 | $ 150,000 | $ 89,000 |
| Burlington, NC | 1 | $ 118,000 | $ 118,000 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 248,000 | $ 248,000 | $ 44,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 132,000 | $ 132,000 | $ 32,000 |
| Dothan, AL | 1 | $ 399,000 | $ 399,000 | $ 184,000 |
| Florence-Muscle Shoals, AL | 1 | $ 140,000 | $ 140,000 | $ 56,000 |
| Fresno, CA | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Grand Junction, CO | 1 | $ 251,000 | $ 251,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 382,000 | $ 382,000 | $ 61,000 |
| Houma-Thibodaux, LA | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Huntsville, AL | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
| Jacksonville, FL | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Kansas City, MO-KS | 1 | $ 160,000 | $ 160,000 | $ 54,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 199,000 | $ 199,000 | $ 61,000 |
| Knoxville, TN | 1 | $ 266,000 | $ 266,000 | $ 88,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 57,000 | $ 57,000 | $ 37,000 |
| Mobile, AL | 1 | $ 168,000 | $ 168,000 | $ 77,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 525,000 | $ 525,000 | $ 182,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 207,000 | $ 207,000 | $ 55,000 |
| Pueblo, CO | 1 | $ 338,000 | $ 338,000 | $ 157,000 |
| Richmond, VA | 1 | $ 269,000 | $ 269,000 | $ 85,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 409,000 | $ 409,000 | $ 0 |
| San Diego-Carlsbad, CA | 1 | $ 251,000 | $ 251,000 | $ 92,000 |
| Santa Fe, NM | 1 | $ 417,000 | $ 417,000 | $ 152,000 |
| Shreveport-Bossier City, LA | 1 | $ 321,000 | $ 321,000 | $ 73,000 |
| Victoria, TX | 1 | $ 331,000 | $ 331,000 | $ 208,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 188,000 | $ 188,000 | $ 53,000 |
| Waco, TX | 1 | $ 174,000 | $ 174,000 | $ 156,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Wilmington, NC | 1 | $ 170,000 | $ 170,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Captex Bank, National Association 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 | 987 | $213,796,000 | $216,000 | $1,143,000 | $100,000 | $863,000 |
| Refinancing | 445 | $99,248,000 | $223,000 | $2,000,000 | $105,000 | $902,000 |
| Home Improvement | 35 | $4,262,000 | $121,000 | $984,000 | $76,000 | $267,000 |
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 | 1,008 | $223,196,000 | $221,000 | $2,000,000 | $107,000 | $902,000 |
| Hispanic | 257 | $48,361,000 | $188,000 | $629,000 | $82,000 | $863,000 |
| Black or African American | 75 | $16,360,000 | $218,000 | $615,000 | $86,000 | $337,000 |
| Not Provided | 67 | $15,094,000 | $225,000 | $772,000 | $114,000 | $497,000 |
| Asian | 47 | $10,843,000 | $230,000 | $554,000 | $96,000 | $335,000 |
| American Indian or Alaskan Native | 9 | $1,988,000 | $220,000 | $609,000 | $88,000 | $176,000 |
| Not applicable | 3 | $1,275,000 | $425,000 | $984,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $189,000 | $189,000 | $189,000 | $51,000 | $51,000 |
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) | 791 | $179,183,000 | $226,000 | $2,000,000 | $124,000 | $902,000 |
| FHA-insured (Federal Housing Administration) | 465 | $88,502,000 | $190,000 | $428,000 | $73,000 | $303,000 |
| VA-guaranteed (Veterans Administration) | 191 | $46,729,000 | $244,000 | $708,000 | $78,000 | $268,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,892,000 | $144,000 | $235,000 | $50,000 | $86,000 |
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 | 1,134 | $244,276,000 | $215,000 | $2,000,000 | $101,000 | $902,000 |
| Loan Purchased By The Institution | 197 | $44,446,000 | $225,000 | $609,000 | $98,000 | $384,000 |
| Application Approved But Not Accepted | 73 | $17,916,000 | $245,000 | $920,000 | $126,000 | $863,000 |
| Application Denied By Financial Institution | 58 | $9,915,000 | $170,000 | $1,000,000 | $75,000 | $400,000 |
| Application Withdrawn By Applicant | 4 | $640,000 | $160,000 | $240,000 | $80,000 | $127,000 |
| File Closed For Incompleteness | 1 | $113,000 | $113,000 | $113,000 | $69,000 | $69,000 |
| 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 | 22 | $2,574,000 | $117,000 | $342,000 | $73,000 | $188,000 |
| Debt-To-Income Ratio | 21 | $4,548,000 | $216,000 | $1,000,000 | $74,000 | $302,000 |
| Employment History | 5 | $615,000 | $123,000 | $240,000 | $30,000 | $53,000 |
| Collateral | 4 | $1,192,000 | $298,000 | $975,000 | $152,000 | $400,000 |
| Unverifiable Information | 4 | $751,000 | $187,000 | $258,000 | $87,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $235,000 | $117,000 | $122,000 | $57,000 | $82,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Captex Bank, National Association'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 Captex Bank, National Association'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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