First National Bank Texas
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
First National Bank Texas 2016 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 | 1,757 |
| Total Mortgage Loan Application Amount | $244,309,000 |
| Average Mortgage Loan Application Amount | $124,666 |
| Highest Mortgage Loan Application Amount | $9,300,000 |
| Average Applicant Income | $55,333 |
| Highest Applicant Income | $601,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bell County Texas | 468 | $ 73,349,000 | $ 156,000 | $ 64,000 |
| El Paso County Texas | 419 | $ 52,832,000 | $ 126,000 | $ 54,000 |
| Maricopa County Arizona | 135 | $ 25,778,000 | $ 190,000 | $ 67,000 |
| Coryell County Texas | 95 | $ 13,309,000 | $ 140,000 | $ 68,000 |
| Harris County Texas | 68 | $ 4,363,000 | $ 64,000 | $ 60,000 |
| Tarrant County Texas | 58 | $ 4,421,000 | $ 76,000 | $ 46,000 |
| Dallas County Texas | 41 | $ 11,846,000 | $ 288,000 | $ 52,000 |
| Montgomery County Texas | 40 | $ 5,546,000 | $ 138,000 | $ 35,000 |
| Nueces County Texas | 30 | $ 3,881,000 | $ 129,000 | $ 61,000 |
| Dona Ana County New Mexico | 26 | $ 4,338,000 | $ 166,000 | $ 60,000 |
| Lampasas County Texas | 20 | $ 3,413,000 | $ 170,000 | $ 66,000 |
| McLennan County Texas | 20 | $ 2,537,000 | $ 126,000 | $ 79,000 |
| Brazos County Texas | 18 | $ 1,878,000 | $ 104,000 | $ 67,000 |
| Denton County Texas | 15 | $ 1,260,000 | $ 84,000 | $ 56,000 |
| Pinal County Arizona | 14 | $ 2,556,000 | $ 182,000 | $ 45,000 |
| Bexar County Texas | 13 | $ 1,240,000 | $ 95,000 | $ 63,000 |
| Lubbock County Texas | 13 | $ 754,000 | $ 58,000 | $ 46,000 |
| Williamson County Texas | 13 | $ 2,565,000 | $ 197,000 | $ 83,000 |
| Travis County Texas | 11 | $ 2,508,000 | $ 228,000 | $ 92,000 |
| Smith County Texas | 9 | $ 784,000 | $ 87,000 | $ 46,000 |
| Parker County Texas | 8 | $ 456,000 | $ 57,000 | $ 67,000 |
| Midland County Texas | 7 | $ 589,000 | $ 84,000 | $ 68,000 |
| San Patricio County Texas | 7 | $ 882,000 | $ 126,000 | $ 66,000 |
| Brazoria County Texas | 6 | $ 924,000 | $ 154,000 | $ 92,000 |
| Fort Bend County Texas | 6 | $ 614,000 | $ 102,000 | $ 66,000 |
| Hamilton County Texas | 6 | $ 632,000 | $ 105,000 | $ 49,000 |
| Hidalgo County Texas | 6 | $ 1,765,000 | $ 294,000 | $ 32,000 |
| Liberty County Texas | 6 | $ 379,000 | $ 63,000 | $ 49,000 |
| Ector County Texas | 5 | $ 252,000 | $ 50,000 | $ 68,000 |
| Ellis County Texas | 5 | $ 237,000 | $ 47,000 | $ 44,000 |
| Hunt County Texas | 5 | $ 146,000 | $ 29,000 | $ 48,000 |
| Johnson County Texas | 5 | $ 353,000 | $ 70,000 | $ 47,000 |
| Pima County Arizona | 4 | $ 421,000 | $ 105,000 | $ 44,000 |
| Collin County Texas | 4 | $ 631,000 | $ 157,000 | $ 65,000 |
| Galveston County Texas | 4 | $ 527,000 | $ 131,000 | $ 30,000 |
| Gregg County Texas | 4 | $ 90,000 | $ 22,000 | $ 30,000 |
| Hill County Texas | 4 | $ 364,000 | $ 91,000 | $ 104,000 |
| Webb County Texas | 4 | $ 274,000 | $ 68,000 | $ 44,000 |
| Wichita County Texas | 4 | $ 163,000 | $ 40,000 | $ 55,000 |
| Jefferson County Colorado | 3 | $ 792,000 | $ 264,000 | $ 41,000 |
| Burnet County Texas | 3 | $ 1,114,000 | $ 371,000 | $ 161,000 |
| Cameron County Texas | 3 | $ 290,000 | $ 96,000 | $ 15,000 |
| Grayson County Texas | 3 | $ 119,000 | $ 39,000 | $ 29,000 |
| Kaufman County Texas | 3 | $ 119,000 | $ 39,000 | $ 56,000 |
| Walker County Texas | 3 | $ 240,000 | $ 80,000 | $ 46,000 |
| Mohave County Arizona | 2 | $ 153,000 | $ 76,000 | $ 19,000 |
| San Diego County California | 2 | $ 741,000 | $ 370,000 | $ 74,000 |
| Lea County New Mexico | 2 | $ 70,000 | $ 35,000 | $ 39,000 |
| Valencia County New Mexico | 2 | $ 193,000 | $ 96,000 | $ 59,000 |
| Andrews County Texas | 2 | $ 180,000 | $ 90,000 | $ 88,000 |
| Angelina County Texas | 2 | $ 158,000 | $ 79,000 | $ 34,000 |
| Bastrop County Texas | 2 | $ 363,000 | $ 181,000 | $ 92,000 |
| Gray County Texas | 2 | $ 206,000 | $ 103,000 | $ 30,000 |
| Hale County Texas | 2 | $ 104,000 | $ 52,000 | $ 46,000 |
| Hays County Texas | 2 | $ 70,000 | $ 35,000 | $ 43,000 |
| Hood County Texas | 2 | $ 40,000 | $ 20,000 | $ 69,000 |
| Houston County Texas | 2 | $ 65,000 | $ 32,000 | $ 31,000 |
| Jim Wells County Texas | 2 | $ 80,000 | $ 40,000 | $ 114,000 |
| Kerr County Texas | 2 | $ 75,000 | $ 37,000 | $ 38,000 |
| Kleberg County Texas | 2 | $ 261,000 | $ 130,000 | $ 54,000 |
| Lee County Texas | 2 | $ 111,000 | $ 55,000 | $ 46,000 |
| Orange County Texas | 2 | $ 121,000 | $ 60,000 | $ 8,000 |
| Reeves County Texas | 2 | $ 202,000 | $ 101,000 | $ 67,000 |
| Uvalde County Texas | 2 | $ 40,000 | $ 20,000 | $ 47,000 |
| Winkler County Texas | 2 | $ 127,000 | $ 63,000 | $ 66,000 |
| Coffee County Alabama | 1 | $ 264,000 | $ 264,000 | $ 110,000 |
| Mobile County Alabama | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Coconino County Arizona | 1 | $ 198,000 | $ 198,000 | $ 409,000 |
| Navajo County Arizona | 1 | $ 184,000 | $ 184,000 | $ 112,000 |
| Yavapai County Arizona | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Denver County Colorado | 1 | $ 314,000 | $ 314,000 | $ 95,000 |
| La Plata County Colorado | 1 | $ 461,000 | $ 461,000 | $ 473,000 |
| Miami-Dade County Florida | 1 | $ 160,000 | $ 160,000 | $ 108,000 |
| Des Moines County Iowa | 1 | $ 226,000 | $ 226,000 | $ 83,000 |
| Anne Arundel County Maryland | 1 | $ 516,000 | $ 516,000 | $ 83,000 |
| Anoka County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 103,000 |
| Lancaster County Nebraska | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Clark County Nevada | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Bernalillo County New Mexico | 1 | $ 140,000 | $ 140,000 | $ 45,000 |
| Cibola County New Mexico | 1 | $ 20,000 | $ 20,000 | $ 38,000 |
| McKinley County New Mexico | 1 | $ 76,000 | $ 76,000 | $ 19,000 |
| Otero County New Mexico | 1 | $ 30,000 | $ 30,000 | $ 86,000 |
| Atascosa County Texas | 1 | $ 20,000 | $ 20,000 | $ 11,000 |
| Bee County Texas | 1 | $ 60,000 | $ 60,000 | $ 13,000 |
| Bosque County Texas | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Bowie County Texas | 1 | $ 102,000 | $ 102,000 | $ 66,000 |
| Caldwell County Texas | 1 | $ 118,000 | $ 118,000 | $ 44,000 |
| Calhoun County Texas | 1 | $ 25,000 | $ 25,000 | $ 12,000 |
| Castro County Texas | 1 | $ 59,000 | $ 59,000 | $ 40,000 |
| Chambers County Texas | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Coke County Texas | 1 | $ 22,000 | $ 22,000 | $ 71,000 |
| Cooke County Texas | 1 | $ 323,000 | $ 323,000 | $ 137,000 |
| Crosby County Texas | 1 | $ 20,000 | $ 20,000 | $ 45,000 |
| Culberson County Texas | 1 | $ 87,000 | $ 87,000 | $ 62,000 |
| Dawson County Texas | 1 | $ 24,000 | $ 24,000 | $ 71,000 |
| Deaf Smith County Texas | 1 | $ 128,000 | $ 128,000 | $ 36,000 |
| DeWitt County Texas | 1 | $ 20,000 | $ 20,000 | $ 12,000 |
| Erath County Texas | 1 | $ 20,000 | $ 20,000 | $ 80,000 |
| Floyd County Texas | 1 | $ 20,000 | $ 20,000 | $ 14,000 |
| Franklin County Texas | 1 | $ 128,000 | $ 128,000 | $ 69,000 |
| Gaines County Texas | 1 | $ 20,000 | $ 20,000 | $ 90,000 |
| Guadalupe County Texas | 1 | $ 167,000 | $ 167,000 | $ 40,000 |
| Hockley County Texas | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Hopkins County Texas | 1 | $ 20,000 | $ 20,000 | $ 14,000 |
| Jefferson County Texas | 1 | $ 540,000 | $ 540,000 | $ 0 |
| Karnes County Texas | 1 | $ 40,000 | $ 40,000 | $ 76,000 |
| Limestone County Texas | 1 | $ 272,000 | $ 272,000 | $ 113,000 |
| McCulloch County Texas | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Moore County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Nacogdoches County Texas | 1 | $ 20,000 | $ 20,000 | $ 16,000 |
| Palo Pinto County Texas | 1 | $ 48,000 | $ 48,000 | $ 81,000 |
| Polk County Texas | 1 | $ 195,000 | $ 195,000 | $ 119,000 |
| Refugio County Texas | 1 | $ 320,000 | $ 320,000 | $ 152,000 |
| Robertson County Texas | 1 | $ 20,000 | $ 20,000 | $ 111,000 |
| Rockwall County Texas | 1 | $ 20,000 | $ 20,000 | $ 150,000 |
| Rusk County Texas | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| San Saba County Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Tom Green County Texas | 1 | $ 20,000 | $ 20,000 | $ 15,000 |
| Val Verde County Texas | 1 | $ 148,000 | $ 148,000 | $ 32,000 |
| Victoria County Texas | 1 | $ 62,000 | $ 62,000 | $ 104,000 |
| Wood County Texas | 1 | $ 72,000 | $ 72,000 | $ 18,000 |
| Zavala County Texas | 1 | $ 50,000 | $ 50,000 | $ 123,000 |
| Frederick County Virginia | 1 | $ 199,000 | $ 199,000 | $ 55,000 |
| Pierce County Washington | 1 | $ 232,000 | $ 232,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for First National Bank Texas 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 | 1,212 | $186,781,000 | $154,000 | $711,000 | $64,000 | $576,000 |
| Home Improvement | 302 | $20,027,000 | $66,000 | $9,300,000 | $53,000 | $473,000 |
| Refinancing | 243 | $37,501,000 | $154,000 | $1,650,000 | $49,000 | $601,000 |
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 | 776 | $87,160,000 | $112,000 | $417,000 | $52,000 | $576,000 |
| White | 598 | $90,445,000 | $151,000 | $896,000 | $73,000 | $601,000 |
| Black or African American | 172 | $23,906,000 | $138,000 | $711,000 | $58,000 | $325,000 |
| Not Provided | 116 | $18,423,000 | $158,000 | $522,000 | $70,000 | $370,000 |
| Not applicable | 53 | $18,631,000 | $351,000 | $9,300,000 | $0 | $0 |
| Asian | 24 | $3,627,000 | $151,000 | $253,000 | $66,000 | $205,000 |
| American Indian or Alaskan Native | 11 | $1,325,000 | $120,000 | $312,000 | $67,000 | $155,000 |
| Native Hawaiin or Other Pacific Islander | 7 | $792,000 | $113,000 | $229,000 | $79,000 | $97,000 |
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) | 730 | $83,138,000 | $113,000 | $9,300,000 | $65,000 | $576,000 |
| FHA-insured (Federal Housing Administration) | 587 | $76,764,000 | $130,000 | $307,000 | $46,000 | $291,000 |
| VA-guaranteed (Veterans Administration) | 432 | $83,349,000 | $192,000 | $896,000 | $70,000 | $601,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,058,000 | $132,000 | $166,000 | $42,000 | $50,000 |
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 | 1,104 | $177,511,000 | $160,000 | $1,650,000 | $63,000 | $576,000 |
| Application Denied By Financial Institution | 433 | $35,282,000 | $81,000 | $9,300,000 | $49,000 | $300,000 |
| Application Withdrawn By Applicant | 141 | $19,944,000 | $141,000 | $896,000 | $67,000 | $601,000 |
| Application Approved But Not Accepted | 44 | $7,301,000 | $165,000 | $648,000 | $62,000 | $229,000 |
| File Closed For Incompleteness | 21 | $2,381,000 | $113,000 | $588,000 | $76,000 | $370,000 |
| Preapproval Denied by Financial Institution | 14 | $1,890,000 | $135,000 | $201,000 | $35,000 | $96,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 251 | $11,037,000 | $43,000 | $1,000,000 | $48,000 | $300,000 |
| Debt-To-Income Ratio | 86 | $8,450,000 | $98,000 | $234,000 | $41,000 | $271,000 |
| Collateral | 60 | $13,519,000 | $225,000 | $9,300,000 | $56,000 | $165,000 |
| Other | 32 | $2,313,000 | $72,000 | $250,000 | $53,000 | $120,000 |
| Employment History | 15 | $1,609,000 | $107,000 | $222,000 | $47,000 | $94,000 |
| Unverifiable Information | 2 | $79,000 | $39,000 | $59,000 | $105,000 | $180,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $54,000 | $54,000 |
| 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 National Bank Texas'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 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.