First National Bank Texas
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
First National Bank Texas 2018 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 | 1,860 |
| Total Mortgage Loan Application Amount | $249,870,000 |
| Average Mortgage Loan Application Amount | $104,250 |
| Highest Mortgage Loan Application Amount | $5,635,000 |
| Average Applicant Income | $65,250 |
| Highest Applicant Income | $1,495,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 482 | $ 57,240,000 | $ 118,000 | $ 54,000 |
| Bell County Texas | 345 | $ 56,245,000 | $ 163,000 | $ 82,000 |
| Coryell County Texas | 107 | $ 15,855,000 | $ 148,000 | $ 71,000 |
| Maricopa County Arizona | 102 | $ 22,600,000 | $ 221,000 | $ 84,000 |
| Dallas County Texas | 71 | $ 5,245,000 | $ 73,000 | $ 47,000 |
| Harris County Texas | 71 | $ 5,405,000 | $ 76,000 | $ 54,000 |
| Nueces County Texas | 49 | $ 7,055,000 | $ 143,000 | $ 82,000 |
| Tarrant County Texas | 49 | $ 2,815,000 | $ 57,000 | $ 66,000 |
| Montgomery County Texas | 46 | $ 4,420,000 | $ 96,000 | $ 105,000 |
| Bexar County Texas | 40 | $ 3,490,000 | $ 87,000 | $ 73,000 |
| Dona Ana County New Mexico | 24 | $ 4,150,000 | $ 172,000 | $ 56,000 |
| Lampasas County Texas | 21 | $ 3,155,000 | $ 150,000 | $ 72,000 |
| Denton County Texas | 18 | $ 1,860,000 | $ 103,000 | $ 58,000 |
| Jim Wells County Texas | 18 | $ 1,960,000 | $ 108,000 | $ 78,000 |
| Webb County Texas | 13 | $ 575,000 | $ 44,000 | $ 48,000 |
| Hidalgo County Texas | 12 | $ 720,000 | $ 60,000 | $ 65,000 |
| Lubbock County Texas | 12 | $ 1,210,000 | $ 100,000 | $ 59,000 |
| Williamson County Texas | 12 | $ 1,760,000 | $ 146,000 | $ 56,000 |
| Mohave County Arizona | 11 | $ 685,000 | $ 62,000 | $ 46,000 |
| Fort Bend County Texas | 11 | $ 975,000 | $ 88,000 | $ 65,000 |
| Travis County Texas | 11 | $ 2,465,000 | $ 224,000 | $ 89,000 |
| Midland County Texas | 10 | $ 1,210,000 | $ 121,000 | $ 79,000 |
| Brazos County Texas | 9 | $ 455,000 | $ 50,000 | $ 36,000 |
| Gregg County Texas | 9 | $ 3,345,000 | $ 371,000 | $ 57,000 |
| Kleberg County Texas | 9 | $ 875,000 | $ 97,000 | $ 70,000 |
| Ector County Texas | 8 | $ 830,000 | $ 103,000 | $ 65,000 |
| Pima County Arizona | 7 | $ 545,000 | $ 77,000 | $ 38,000 |
| Pinal County Arizona | 7 | $ 995,000 | $ 142,000 | $ 81,000 |
| Grayson County Texas | 7 | $ 215,000 | $ 30,000 | $ 50,000 |
| Orange County Texas | 7 | $ 355,000 | $ 50,000 | $ 49,000 |
| Parker County Texas | 7 | $ 485,000 | $ 69,000 | $ 65,000 |
| Cameron County Texas | 6 | $ 240,000 | $ 40,000 | $ 37,000 |
| Collin County Texas | 6 | $ 590,000 | $ 98,000 | $ 94,000 |
| Ellis County Texas | 6 | $ 520,000 | $ 86,000 | $ 47,000 |
| Kaufman County Texas | 6 | $ 410,000 | $ 68,000 | $ 69,000 |
| McLennan County Texas | 6 | $ 740,000 | $ 123,000 | $ 63,000 |
| Milam County Texas | 6 | $ 650,000 | $ 108,000 | $ 76,000 |
| Tom Green County Texas | 6 | $ 240,000 | $ 40,000 | $ 35,000 |
| Wichita County Texas | 6 | $ 5,830,000 | $ 971,000 | $ 48,000 |
| Hockley County Texas | 5 | $ 195,000 | $ 39,000 | $ 44,000 |
| Hunt County Texas | 5 | $ 415,000 | $ 83,000 | $ 58,000 |
| San Patricio County Texas | 5 | $ 905,000 | $ 181,000 | $ 77,000 |
| Victoria County Texas | 5 | $ 835,000 | $ 167,000 | $ 76,000 |
| Walker County Texas | 5 | $ 1,185,000 | $ 237,000 | $ 134,000 |
| Yavapai County Arizona | 4 | $ 860,000 | $ 215,000 | $ 125,000 |
| Los Angeles County California | 4 | $ 2,180,000 | $ 545,000 | $ 95,000 |
| Atascosa County Texas | 4 | $ 200,000 | $ 50,000 | $ 71,000 |
| Brazoria County Texas | 4 | $ 430,000 | $ 107,000 | $ 72,000 |
| Comal County Texas | 4 | $ 640,000 | $ 160,000 | $ 121,000 |
| Galveston County Texas | 4 | $ 270,000 | $ 67,000 | $ 105,000 |
| Guadalupe County Texas | 4 | $ 740,000 | $ 185,000 | $ 84,000 |
| Johnson County Texas | 4 | $ 370,000 | $ 92,000 | $ 84,000 |
| Wharton County Texas | 4 | $ 100,000 | $ 25,000 | $ 39,000 |
| San Bernardino County California | 3 | $ 1,075,000 | $ 358,000 | $ 100,000 |
| Lea County New Mexico | 3 | $ 265,000 | $ 88,000 | $ 38,000 |
| Caldwell County Texas | 3 | $ 165,000 | $ 55,000 | $ 44,000 |
| Grimes County Texas | 3 | $ 205,000 | $ 68,000 | $ 37,000 |
| Hale County Texas | 3 | $ 85,000 | $ 28,000 | $ 42,000 |
| Hays County Texas | 3 | $ 615,000 | $ 205,000 | $ 129,000 |
| Hill County Texas | 3 | $ 285,000 | $ 95,000 | $ 56,000 |
| Hood County Texas | 3 | $ 385,000 | $ 128,000 | $ 79,000 |
| Llano County Texas | 3 | $ 615,000 | $ 205,000 | $ 136,000 |
| Matagorda County Texas | 3 | $ 245,000 | $ 81,000 | $ 52,000 |
| San Jacinto County Texas | 3 | $ 585,000 | $ 195,000 | $ 103,000 |
| Smith County Texas | 3 | $ 265,000 | $ 88,000 | $ 33,000 |
| Uvalde County Texas | 3 | $ 145,000 | $ 48,000 | $ 25,000 |
| Graham County Arizona | 2 | $ 300,000 | $ 150,000 | $ 33,000 |
| Deschutes County Oregon | 2 | $ 630,000 | $ 315,000 | $ 68,000 |
| Bee County Texas | 2 | $ 50,000 | $ 25,000 | $ 27,000 |
| Burnet County Texas | 2 | $ 430,000 | $ 215,000 | $ 125,000 |
| Comanche County Texas | 2 | $ 310,000 | $ 155,000 | $ 92,000 |
| Cooke County Texas | 2 | $ 200,000 | $ 100,000 | $ 31,000 |
| Deaf Smith County Texas | 2 | $ 140,000 | $ 70,000 | $ 48,000 |
| Duval County Texas | 2 | $ 140,000 | $ 70,000 | $ 115,000 |
| Floyd County Texas | 2 | $ 70,000 | $ 35,000 | $ 13,000 |
| Hudspeth County Texas | 2 | $ 180,000 | $ 90,000 | $ 40,000 |
| Jefferson County Texas | 2 | $ 250,000 | $ 125,000 | $ 73,000 |
| Kendall County Texas | 2 | $ 2,550,000 | $ 1,275,000 | $ 392,000 |
| Leon County Texas | 2 | $ 180,000 | $ 90,000 | $ 75,000 |
| Moore County Texas | 2 | $ 110,000 | $ 55,000 | $ 36,000 |
| Nacogdoches County Texas | 2 | $ 90,000 | $ 45,000 | $ 23,000 |
| Palo Pinto County Texas | 2 | $ 60,000 | $ 30,000 | $ 68,000 |
| Randall County Texas | 2 | $ 250,000 | $ 125,000 | $ 46,000 |
| Rockwall County Texas | 2 | $ 180,000 | $ 90,000 | $ 40,000 |
| Wilson County Texas | 2 | $ 30,000 | $ 15,000 | $ 44,000 |
| Clark County Washington | 2 | $ 550,000 | $ 275,000 | $ 103,000 |
| Ashley County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Washington County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Kern County California | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Adams County Colorado | 1 | $ 335,000 | $ 335,000 | $ 47,000 |
| Arapahoe County Colorado | 1 | $ 365,000 | $ 365,000 | $ 57,000 |
| El Paso County Colorado | 1 | $ 355,000 | $ 355,000 | $ 91,000 |
| Escambia County Florida | 1 | $ 405,000 | $ 405,000 | $ 87,000 |
| Manatee County Florida | 1 | $ 335,000 | $ 335,000 | $ 106,000 |
| Pinellas County Florida | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Hamilton County Indiana | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| Miami County Indiana | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Jasper County Iowa | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| Caddo County Louisiana | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| St. Tammany County Louisiana | 1 | $ 375,000 | $ 375,000 | $ 136,000 |
| Norfolk County Massachusetts | 1 | $ 415,000 | $ 415,000 | $ 122,000 |
| Hillsdale County Michigan | 1 | $ 225,000 | $ 225,000 | $ 147,000 |
| St. Charles County Missouri | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Clark County Nevada | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Grafton County New Hampshire | 1 | $ 445,000 | $ 445,000 | $ 270,000 |
| Chaves County New Mexico | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| Otero County New Mexico | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Roosevelt County New Mexico | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Sierra County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Williams County North Dakota | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Bryan County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Tillman County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Columbia County Oregon | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Washington County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Anderson County Texas | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| Andrews County Texas | 1 | $ 145,000 | $ 145,000 | $ 37,000 |
| Angelina County Texas | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Aransas County Texas | 1 | $ 285,000 | $ 285,000 | $ 97,000 |
| Austin County Texas | 1 | $ 45,000 | $ 45,000 | $ 62,000 |
| Blanco County Texas | 1 | $ 435,000 | $ 435,000 | $ 119,000 |
| Bowie County Texas | 1 | $ 175,000 | $ 175,000 | $ 95,000 |
| Brown County Texas | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Carson County Texas | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Castro County Texas | 1 | $ 25,000 | $ 25,000 | $ 130,000 |
| Chambers County Texas | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Coke County Texas | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
| Colorado County Texas | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Frio County Texas | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Hamilton County Texas | 1 | $ 155,000 | $ 155,000 | $ 107,000 |
| Harrison County Texas | 1 | $ 45,000 | $ 45,000 | $ 125,000 |
| Henderson County Texas | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Houston County Texas | 1 | $ 15,000 | $ 15,000 | $ 46,000 |
| Kerr County Texas | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Liberty County Texas | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Madison County Texas | 1 | $ 205,000 | $ 205,000 | $ 104,000 |
| Mills County Texas | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Morris County Texas | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Pecos County Texas | 1 | $ 145,000 | $ 145,000 | $ 99,000 |
| Polk County Texas | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Potter County Texas | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Rains County Texas | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Red River County Texas | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Robertson County Texas | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Rusk County Texas | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Starr County Texas | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Titus County Texas | 1 | $ 455,000 | $ 455,000 | $ 160,000 |
| Van Zandt County Texas | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Ward County Texas | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Winkler County Texas | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Wise County Texas | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Zapata County Texas | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Gloucester County Virginia | 1 | $ 305,000 | $ 305,000 | $ 123,000 |
| Prince William County Virginia | 1 | $ 475,000 | $ 475,000 | $ 135,000 |
Mortgage Loan Application Detail Totals for First National Bank Texas in 2018
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 | 1,211 | $199,595,000 | $164,000 | $1,275,000 | $72,000 | $1,495,000 |
| Home Improvement | 310 | $17,330,000 | $55,000 | $5,635,000 | $56,000 | $825,000 |
| Other Purpose | 178 | $8,960,000 | $50,000 | $855,000 | $63,000 | $1,140,000 |
| Refinancing | 161 | $23,985,000 | $148,000 | $2,505,000 | $70,000 | $209,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 902 | $98,140,000 | $108,000 | $855,000 | $55,000 | $825,000 |
| White | 579 | $89,495,000 | $154,000 | $1,275,000 | $83,000 | $1,495,000 |
| Black or African American | 190 | $19,960,000 | $105,000 | $455,000 | $66,000 | $200,000 |
| Not Provided | 127 | $24,175,000 | $190,000 | $545,000 | $97,000 | $1,140,000 |
| Not applicable | 21 | $12,575,000 | $598,000 | $5,635,000 | $0 | $0 |
| Asian | 19 | $3,235,000 | $170,000 | $615,000 | $80,000 | $195,000 |
| American Indian or Alaskan Native | 11 | $1,375,000 | $125,000 | $305,000 | $65,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $31,000 | $31,000 |
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) | 935 | $98,865,000 | $105,000 | $5,635,000 | $72,000 | $1,495,000 |
| FHA-insured (Federal Housing Administration) | 605 | $82,575,000 | $136,000 | $635,000 | $54,000 | $572,000 |
| VA-guaranteed (Veterans Administration) | 313 | $67,485,000 | $215,000 | $565,000 | $84,000 | $337,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $945,000 | $135,000 | $185,000 | $58,000 | $92,000 |
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 | 957 | $154,415,000 | $161,000 | $1,005,000 | $74,000 | $1,495,000 |
| Application Denied By Financial Institution | 590 | $50,330,000 | $85,000 | $5,635,000 | $56,000 | $825,000 |
| Application Withdrawn By Applicant | 266 | $39,120,000 | $147,000 | $545,000 | $72,000 | $572,000 |
| File Closed For Incompleteness | 34 | $4,150,000 | $122,000 | $1,275,000 | $72,000 | $293,000 |
| Application Approved But Not Accepted | 13 | $1,855,000 | $142,000 | $345,000 | $76,000 | $185,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,270 | $199,540,000 | $157,000 | $1,275,000 | $74,000 | $1,495,000 |
| Credit History | 322 | $15,810,000 | $49,000 | $855,000 | $59,000 | $825,000 |
| Debt-To-Income Ratio | 133 | $15,385,000 | $115,000 | $1,275,000 | $44,000 | $491,000 |
| Collateral | 87 | $14,055,000 | $161,000 | $5,635,000 | $60,000 | $200,000 |
| Other | 24 | $2,480,000 | $103,000 | $265,000 | $70,000 | $140,000 |
| Employment History | 20 | $1,900,000 | $95,000 | $265,000 | $57,000 | $155,000 |
| Credit Application Incomplete | 2 | $70,000 | $35,000 | $55,000 | $32,000 | $41,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $79,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $535,000 | $535,000 | $535,000 | $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 2018 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.