First National Bank Texas
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
First National Bank Texas 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First National Bank Texas 507 N. Gray St. Killeen, TX 76541 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,548 |
| Total Mortgage Loan Application Amount | $204,557,000 |
| Average Mortgage Loan Application Amount | $99,333 |
| Highest Mortgage Loan Application Amount | $12,909,000 |
| Average Applicant Income | $49,333 |
| Highest Applicant Income | $752,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with First National Bank Texas. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First National Bank Texas's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down First National Bank Texas's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First National Bank Texas serves its applicants.
Each category highlights the total number of mortgage applications processed by First National Bank Texas, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First National Bank Texas's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| El Paso County Texas | 486 | $ 61,847,000 | $ 127,000 | $ 53,000 |
| Bell County Texas | 392 | $ 58,204,000 | $ 148,000 | $ 65,000 |
| Coryell County Texas | 111 | $ 13,569,000 | $ 122,000 | $ 58,000 |
| Harris County Texas | 58 | $ 3,400,000 | $ 58,000 | $ 37,000 |
| Maricopa County Arizona | 54 | $ 8,780,000 | $ 162,000 | $ 50,000 |
| Montgomery County Texas | 47 | $ 5,593,000 | $ 119,000 | $ 62,000 |
| Dallas County Texas | 32 | $ 1,618,000 | $ 50,000 | $ 35,000 |
| Tarrant County Texas | 31 | $ 15,474,000 | $ 499,000 | $ 36,000 |
| Lampasas County Texas | 28 | $ 4,697,000 | $ 167,000 | $ 70,000 |
| Fort Bend County Texas | 19 | $ 1,700,000 | $ 89,000 | $ 44,000 |
| Nueces County Texas | 13 | $ 1,296,000 | $ 99,000 | $ 45,000 |
| McLennan County Texas | 12 | $ 1,088,000 | $ 90,000 | $ 52,000 |
| Bexar County Texas | 11 | $ 902,000 | $ 82,000 | $ 31,000 |
| Hamilton County Texas | 11 | $ 1,318,000 | $ 119,000 | $ 53,000 |
| Dona Ana County New Mexico | 8 | $ 1,392,000 | $ 174,000 | $ 56,000 |
| Hidalgo County Texas | 8 | $ 699,000 | $ 87,000 | $ 33,000 |
| Travis County Texas | 8 | $ 460,000 | $ 57,000 | $ 30,000 |
| Williamson County Texas | 8 | $ 807,000 | $ 100,000 | $ 58,000 |
| Galveston County Texas | 7 | $ 746,000 | $ 106,000 | $ 19,000 |
| Gray County Texas | 7 | $ 529,000 | $ 75,000 | $ 37,000 |
| Webb County Texas | 7 | $ 230,000 | $ 32,000 | $ 56,000 |
| Deaf Smith County Texas | 6 | $ 555,000 | $ 92,000 | $ 22,000 |
| Ector County Texas | 6 | $ 836,000 | $ 139,000 | $ 88,000 |
| Lubbock County Texas | 5 | $ 223,000 | $ 44,000 | $ 51,000 |
| Brazoria County Texas | 4 | $ 141,000 | $ 35,000 | $ 26,000 |
| Burnet County Texas | 4 | $ 249,000 | $ 62,000 | $ 60,000 |
| Denton County Texas | 4 | $ 486,000 | $ 121,000 | $ 56,000 |
| Ellis County Texas | 4 | $ 457,000 | $ 114,000 | $ 56,000 |
| Hays County Texas | 4 | $ 434,000 | $ 108,000 | $ 69,000 |
| Midland County Texas | 4 | $ 570,000 | $ 142,000 | $ 59,000 |
| Parker County Texas | 4 | $ 453,000 | $ 113,000 | $ 47,000 |
| Victoria County Texas | 4 | $ 157,000 | $ 39,000 | $ 41,000 |
| Wichita County Texas | 4 | $ 100,000 | $ 25,000 | $ 55,000 |
| Coffee County Alabama | 3 | $ 587,000 | $ 195,000 | $ 49,000 |
| Angelina County Texas | 3 | $ 268,000 | $ 89,000 | $ 58,000 |
| Erath County Texas | 3 | $ 200,000 | $ 66,000 | $ 119,000 |
| Grayson County Texas | 3 | $ 120,000 | $ 40,000 | $ 30,000 |
| Gregg County Texas | 3 | $ 273,000 | $ 91,000 | $ 64,000 |
| Grimes County Texas | 3 | $ 582,000 | $ 194,000 | $ 81,000 |
| Howard County Texas | 3 | $ 325,000 | $ 108,000 | $ 36,000 |
| Hunt County Texas | 3 | $ 184,000 | $ 61,000 | $ 69,000 |
| Randall County Texas | 3 | $ 301,000 | $ 100,000 | $ 60,000 |
| Rockwall County Texas | 3 | $ 236,000 | $ 78,000 | $ 73,000 |
| Tom Green County Texas | 3 | $ 330,000 | $ 110,000 | $ 61,000 |
| Yoakum County Texas | 3 | $ 168,000 | $ 56,000 | $ 68,000 |
| Pinal County Arizona | 2 | $ 349,000 | $ 174,000 | $ 23,000 |
| Yavapai County Arizona | 2 | $ 407,000 | $ 203,000 | $ 59,000 |
| Lea County New Mexico | 2 | $ 207,000 | $ 103,000 | $ 36,000 |
| Montgomery County Tennessee | 2 | $ 345,000 | $ 172,000 | $ 37,000 |
| Anderson County Texas | 2 | $ 129,000 | $ 64,000 | $ 46,000 |
| Bastrop County Texas | 2 | $ 136,000 | $ 68,000 | $ 31,000 |
| Bowie County Texas | 2 | $ 127,000 | $ 63,000 | $ 42,000 |
| Brazos County Texas | 2 | $ 302,000 | $ 151,000 | $ 247,000 |
| Brewster County Texas | 2 | $ 439,000 | $ 219,000 | $ 76,000 |
| Fannin County Texas | 2 | $ 111,000 | $ 55,000 | $ 19,000 |
| Hockley County Texas | 2 | $ 65,000 | $ 32,000 | $ 70,000 |
| Hood County Texas | 2 | $ 373,000 | $ 186,000 | $ 215,000 |
| Johnson County Texas | 2 | $ 45,000 | $ 22,000 | $ 39,000 |
| Llano County Texas | 2 | $ 92,000 | $ 46,000 | $ 35,000 |
| Moore County Texas | 2 | $ 134,000 | $ 67,000 | $ 42,000 |
| San Patricio County Texas | 2 | $ 205,000 | $ 102,000 | $ 61,000 |
| Uvalde County Texas | 2 | $ 153,000 | $ 76,000 | $ 114,000 |
| Fairbanks North Star County Alaska | 1 | $ 171,000 | $ 171,000 | $ 118,000 |
| Pima County Arizona | 1 | $ 140,000 | $ 140,000 | $ 346,000 |
| El Paso County Colorado | 1 | $ 511,000 | $ 511,000 | $ 204,000 |
| Will County Illinois | 1 | $ 358,000 | $ 358,000 | $ 84,000 |
| Ford County Kansas | 1 | $ 197,000 | $ 197,000 | $ 69,000 |
| Hardin County Kentucky | 1 | $ 183,000 | $ 183,000 | $ 51,000 |
| Anne Arundel County Maryland | 1 | $ 1,200,000 | $ 1,200,000 | $ 752,000 |
| St. Louis County Missouri | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Lincoln County New Mexico | 1 | $ 70,000 | $ 70,000 | $ 69,000 |
| Bryan County Oklahoma | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| Aransas County Texas | 1 | $ 26,000 | $ 26,000 | $ 55,000 |
| Atascosa County Texas | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Bee County Texas | 1 | $ 20,000 | $ 20,000 | $ 100,000 |
| Brown County Texas | 1 | $ 209,000 | $ 209,000 | $ 128,000 |
| Caldwell County Texas | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Collin County Texas | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Comal County Texas | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Dawson County Texas | 1 | $ 50,000 | $ 50,000 | $ 103,000 |
| Duval County Texas | 1 | $ 20,000 | $ 20,000 | $ 29,000 |
| Garza County Texas | 1 | $ 20,000 | $ 20,000 | $ 31,000 |
| Hardin County Texas | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Harrison County Texas | 1 | $ 20,000 | $ 20,000 | $ 33,000 |
| Hartley County Texas | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Hopkins County Texas | 1 | $ 20,000 | $ 20,000 | $ 9,000 |
| Hudspeth County Texas | 1 | $ 40,000 | $ 40,000 | $ 29,000 |
| Jim Wells County Texas | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Kerr County Texas | 1 | $ 30,000 | $ 30,000 | $ 28,000 |
| Matagorda County Texas | 1 | $ 20,000 | $ 20,000 | $ 44,000 |
| McCulloch County Texas | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Milam County Texas | 1 | $ 72,000 | $ 72,000 | $ 32,000 |
| Mills County Texas | 1 | $ 58,000 | $ 58,000 | $ 28,000 |
| Nacogdoches County Texas | 1 | $ 713,000 | $ 713,000 | $ 0 |
| Palo Pinto County Texas | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Polk County Texas | 1 | $ 20,000 | $ 20,000 | $ 55,000 |
| Potter County Texas | 1 | $ 138,000 | $ 138,000 | $ 102,000 |
| Reagan County Texas | 1 | $ 20,000 | $ 20,000 | $ 80,000 |
| San Augustine County Texas | 1 | $ 208,000 | $ 208,000 | $ 126,000 |
| Smith County Texas | 1 | $ 60,000 | $ 60,000 | $ 30,000 |
| Val Verde County Texas | 1 | $ 125,000 | $ 125,000 | $ 341,000 |
| Walker County Texas | 1 | $ 81,000 | $ 81,000 | $ 74,000 |
| Washington County Texas | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Wilson County Texas | 1 | $ 12,000 | $ 12,000 | $ 88,000 |
| Wise County Texas | 1 | $ 20,000 | $ 20,000 | $ 24,000 |
| Young County Texas | 1 | $ 82,000 | $ 82,000 | $ 64,000 |
| Kitsap County Washington | 1 | $ 296,000 | $ 296,000 | $ 102,000 |
Mortgage Loan Application Detail Totals for First National Bank Texas 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 | 1,194 | $183,821,000 | $153,000 | $12,909,000 | $59,000 | $752,000 |
| Home Improvement | 243 | $8,526,000 | $35,000 | $242,000 | $46,000 | $258,000 |
| Refinancing | 111 | $12,210,000 | $110,000 | $326,000 | $43,000 | $346,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 722 | $85,258,000 | $118,000 | $564,000 | $53,000 | $324,000 |
| White | 501 | $67,809,000 | $135,000 | $1,200,000 | $70,000 | $752,000 |
| Black or African American | 159 | $22,654,000 | $142,000 | $511,000 | $61,000 | $204,000 |
| Not applicable | 92 | $19,662,000 | $213,000 | $12,909,000 | $0 | $0 |
| Not Provided | 40 | $5,203,000 | $130,000 | $400,000 | $65,000 | $180,000 |
| Asian | 28 | $3,386,000 | $120,000 | $283,000 | $51,000 | $144,000 |
| American Indian or Alaskan Native | 3 | $252,000 | $84,000 | $142,000 | $65,000 | $108,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $333,000 | $111,000 | $165,000 | $61,000 | $86,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 591 | $72,126,000 | $122,000 | $358,000 | $47,000 | $225,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 534 | $58,267,000 | $109,000 | $12,909,000 | $57,000 | $752,000 |
| VA-guaranteed (Veterans Administration) | 405 | $72,301,000 | $178,000 | $517,000 | $69,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,863,000 | $103,000 | $174,000 | $44,000 | $90,000 |
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 | 983 | $155,327,000 | $158,000 | $12,909,000 | $61,000 | $547,000 |
| Application Denied By Financial Institution | 270 | $17,209,000 | $63,000 | $564,000 | $49,000 | $217,000 |
| Application Withdrawn By Applicant | 136 | $15,966,000 | $117,000 | $713,000 | $56,000 | $324,000 |
| Loan Purchased By The Institution | 63 | $2,358,000 | $37,000 | $49,000 | $0 | $0 |
| Application Approved But Not Accepted | 57 | $9,200,000 | $161,000 | $1,200,000 | $71,000 | $752,000 |
| Preapproval Denied by Financial Institution | 22 | $2,698,000 | $122,000 | $423,000 | $33,000 | $100,000 |
| File Closed For Incompleteness | 17 | $1,799,000 | $105,000 | $236,000 | $88,000 | $346,000 |
| Preapproval Approved but not Accepted | 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 | 174 | $6,976,000 | $40,000 | $200,000 | $48,000 | $217,000 |
| Debt-To-Income Ratio | 68 | $7,892,000 | $116,000 | $564,000 | $41,000 | $166,000 |
| Collateral | 21 | $1,351,000 | $64,000 | $336,000 | $60,000 | $140,000 |
| Employment History | 13 | $1,703,000 | $131,000 | $235,000 | $56,000 | $105,000 |
| Other | 8 | $700,000 | $87,000 | $249,000 | $59,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $848,000 | $169,000 | $208,000 | $72,000 | $126,000 |
| Unverifiable Information | 3 | $437,000 | $145,000 | $300,000 | $16,000 | $48,000 |
| Credit Application Incomplete | 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 National Bank Texas'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 First National Bank Texas'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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.