First National Bank Texas Mortgage Lending & HMDA Data, 2022

In 2022, First National Bank Texas of Killeen, TX reported 2,290 mortgage applications totaling $422.8 million, down 20% from 2021. The average application was for $184,615, and applicants reported an average income of $87,979. 44% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Killeen-Temple, TX (583), El Paso, TX (340) and Houston-The Woodlands-Sugar Land, TX (214) (applications in parentheses).

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 2025  2024  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 2,290
Total Mortgage Loan Application Amount $422,770,000
Average Mortgage Loan Application Amount $184,615
Highest Mortgage Loan Application Amount $8,175,000
Average Applicant Income $87,979
Highest Applicant Income $1,527,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First National Bank Texas by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Bell, Texas 469 $ 106,385,000 $ 226,833 $ 98,000
El Paso, Texas 339 $ 65,895,000 $ 194,380 $ 86,000
McLennan, Texas 168 $ 47,930,000 $ 285,297 $ 93,000
Harris, Texas 131 $ 7,935,000 $ 60,572 $ 77,000
Tarrant, Texas 104 $ 11,120,000 $ 106,923 $ 98,000
Dallas, Texas 100 $ 8,390,000 $ 83,900 $ 72,000
Coryell, Texas 90 $ 20,990,000 $ 233,222 $ 91,000
Maricopa, Arizona 74 $ 27,670,000 $ 373,918 $ 122,000
Nueces, Texas 70 $ 13,150,000 $ 187,857 $ 83,000
Bexar, Texas 57 $ 7,895,000 $ 138,508 $ 93,000
Montgomery, Texas 49 $ 6,005,000 $ 122,551 $ 91,000
Williamson, Texas 27 $ 6,935,000 $ 256,851 $ 105,000
Lampasas, Texas 24 $ 5,160,000 $ 215,000 $ 91,000
Webb, Texas 23 $ 1,175,000 $ 51,086 $ 102,000
Fort Bend, Texas 18 $ 1,800,000 $ 100,000 $ 84,000
Hidalgo, Texas 18 $ 1,000,000 $ 55,555 $ 75,000
Jim Wells, Texas 17 $ 2,865,000 $ 168,529 $ 76,000
San Patricio, Texas 17 $ 2,665,000 $ 156,764 $ 72,000
Dona Ana, New Mexico 15 $ 3,485,000 $ 232,333 $ 74,000
Hill, Texas 14 $ 2,520,000 $ 180,000 $ 79,000
Hunt, Texas 14 $ 1,190,000 $ 85,000 $ 52,000
Wichita, Texas 14 $ 560,000 $ 40,000 $ 55,000
Brazos, Texas 13 $ 1,285,000 $ 98,846 $ 63,000
Tom Green, Texas 13 $ 885,000 $ 68,076 $ 82,000
Lubbock, Texas 12 $ 7,410,000 $ 617,500 $ 62,000
Travis, Texas 12 $ 2,920,000 $ 243,333 $ 139,000
Lea, New Mexico 11 $ 1,975,000 $ 179,545 $ 52,000
Anderson, Texas 11 $ 605,000 $ 55,000 $ 59,000
Denton, Texas 10 $ 1,000,000 $ 100,000 $ 94,000
Ellis, Texas 10 $ 1,380,000 $ 138,000 $ 86,000
Gregg, Texas 10 $ 870,000 $ 87,000 $ 62,000
Hood, Texas 10 $ 2,220,000 $ 222,000 $ 66,000
Cameron, Texas 9 $ 495,000 $ 55,000 $ 74,000
Kaufman, Texas 9 $ 415,000 $ 46,111 $ 68,000
Grayson, Texas 8 $ 240,000 $ 30,000 $ 58,000
Uvalde, Texas 8 $ 220,000 $ 27,500 $ 44,000
Atascosa, Texas 7 $ 565,000 $ 80,714 $ 51,000
Bosque, Texas 7 $ 1,255,000 $ 179,285 $ 69,000
Brazoria, Texas 7 $ 315,000 $ 45,000 $ 76,000
Ector, Texas 7 $ 375,000 $ 53,571 $ 63,000
Walker, Texas 7 $ 145,000 $ 20,714 $ 49,000
Collin, Texas 6 $ 2,560,000 $ 426,666 $ 128,000
Jefferson, Texas 6 $ 110,000 $ 18,333 $ 47,000
Midland, Texas 6 $ 710,000 $ 118,333 $ 83,000
Robertson, Texas 6 $ 170,000 $ 28,333 $ 68,000
Pinal, Arizona 5 $ 1,645,000 $ 329,000 $ 93,000
Comanche, Texas 5 $ 745,000 $ 149,000 $ 44,000
Hays, Texas 5 $ 605,000 $ 121,000 $ 115,000
Parker, Texas 5 $ 565,000 $ 113,000 $ 61,000
Trinity, Texas 5 $ 185,000 $ 37,000 $ 49,000
Wharton, Texas 5 $ 185,000 $ 37,000 $ 52,000
Burnet, Texas 4 $ 1,900,000 $ 475,000 $ 62,000
Erath, Texas 4 $ 330,000 $ 82,500 $ 43,000
Falls, Texas 4 $ 690,000 $ 172,500 $ 85,000
Galveston, Texas 4 $ 470,000 $ 117,500 $ 45,000
Gray, Texas 4 $ 60,000 $ 15,000 $ 19,000
Hockley, Texas 4 $ 90,000 $ 22,500 $ 73,000
Limestone, Texas 4 $ 330,000 $ 82,500 $ 61,000
Victoria, Texas 4 $ 110,000 $ 27,500 $ 36,000
Wood, Texas 4 $ 210,000 $ 52,500 $ 59,000
Comanche, Oklahoma 3 $ 795,000 $ 265,000 $ 88,000
Cherokee, Texas 3 $ 105,000 $ 35,000 $ 24,000
Guadalupe, Texas 3 $ 935,000 $ 311,666 $ 44,000
Harrison, Texas 3 $ 275,000 $ 91,666 $ 77,000
Henderson, Texas 3 $ 355,000 $ 118,333 $ 63,000
Johnson, Texas 3 $ 1,715,000 $ 571,666 $ 150,000
Matagorda, Texas 3 $ 445,000 $ 148,333 $ 102,000
Palo Pinto, Texas 3 $ 265,000 $ 88,333 $ 54,000
Potter, Texas 3 $ 145,000 $ 48,333 $ 106,000
Wilson, Texas 3 $ 655,000 $ 218,333 $ 299,000
Yavapai, Arizona 2 $ 1,070,000 $ 535,000 $ 102,000
Archer, Texas 2 $ 30,000 $ 15,000 $ 26,000
Bastrop, Texas 2 $ 50,000 $ 25,000 $ 111,000
Bee, Texas 2 $ 70,000 $ 35,000 $ 120,000
Bowie, Texas 2 $ 320,000 $ 160,000 $ 67,000
Caldwell, Texas 2 $ 130,000 $ 65,000 $ 147,000
Chambers, Texas 2 $ 410,000 $ 205,000 $ 139,000
Deaf Smith, Texas 2 $ 140,000 $ 70,000 $ 75,000
DeWitt, Texas 2 $ 70,000 $ 35,000 $ 52,000
Duval, Texas 2 $ 40,000 $ 20,000 $ 36,000
Eastland, Texas 2 $ 470,000 $ 235,000 $ 67,000
Floyd, Texas 2 $ 160,000 $ 80,000 $ 70,000
Hale, Texas 2 $ 70,000 $ 35,000 $ 59,000
Hamilton, Texas 2 $ 130,000 $ 65,000 $ 48,000
Kerr, Texas 2 $ 130,000 $ 65,000 $ 64,000
Liberty, Texas 2 $ 160,000 $ 80,000 $ 92,000
Martin, Texas 2 $ 50,000 $ 25,000 $ 11,000
Maverick, Texas 2 $ 270,000 $ 135,000 $ 55,000
Milam, Texas 2 $ 130,000 $ 65,000 $ 57,000
Nacogdoches, Texas 2 $ 150,000 $ 75,000 $ 55,000
Parmer, Texas 2 $ 90,000 $ 45,000 $ 85,000
Polk, Texas 2 $ 90,000 $ 45,000 $ 54,000
Randall, Texas 2 $ 220,000 $ 110,000 $ 77,000
Refugio, Texas 2 $ 90,000 $ 45,000 $ 99,000
Rusk, Texas 2 $ 140,000 $ 70,000 $ 26,000
San Jacinto, Texas 2 $ 220,000 $ 110,000 $ 64,000
Smith, Texas 2 $ 160,000 $ 80,000 $ 103,000
Van Zandt, Texas 2 $ 30,000 $ 15,000 $ 40,000
Willacy, Texas 2 $ 40,000 $ 20,000 $ 53,000
Young, Texas 2 $ 50,000 $ 25,000 $ 55,000
Russell, Alabama 1 $ 175,000 $ 175,000 $ 71,000
Mohave, Arizona 1 $ 105,000 $ 105,000 $ 58,000
Pulaski, Arkansas 1 $ 15,000 $ 15,000 $ 26,000
Sebastian, Arkansas 1 $ 195,000 $ 195,000 $ 46,000
White, Arkansas 1 $ 195,000 $ 195,000 $ 88,000
Alameda, California 1 $ 425,000 $ 425,000 $ 147,000
Riverside, California 1 $ 565,000 $ 565,000 $ 450,000
San Bernardino, California 1 $ 635,000 $ 635,000 $ 102,000
Hartford, Connecticut 1 $ 385,000 $ 385,000 $ 81,000
Franklin, Florida 1 $ 305,000 $ 305,000 $ 113,000
Orange, Florida 1 $ 405,000 $ 405,000 $ 95,000
Osceola, Florida 1 $ 225,000 $ 225,000 $ 48,000
Bryan, Georgia 1 $ 495,000 $ 495,000 $ 131,000
Chatham, Georgia 1 $ 365,000 $ 365,000 $ 176,000
Columbia, Georgia 1 $ 145,000 $ 145,000 $ 197,000
Latah, Idaho 1 $ 295,000 $ 295,000 $ 99,000
Geary, Kansas 1 $ 85,000 $ 85,000 $ 38,000
Pottawatomie, Kansas 1 $ 425,000 $ 425,000 $ 0
Caddo, Louisiana 1 $ 295,000 $ 295,000 $ 78,000
Washington, Minnesota 1 $ 635,000 $ 635,000 $ 182,000
Platte, Missouri 1 $ 315,000 $ 315,000 $ 103,000
Platte, Nebraska 1 $ 265,000 $ 265,000 $ 82,000
Bernalillo, New Mexico 1 $ 15,000 $ 15,000 $ 50,000
Chaves, New Mexico 1 $ 185,000 $ 185,000 $ 55,000
Lincoln, New Mexico 1 $ 855,000 $ 855,000 $ 0
Otero, New Mexico 1 $ 105,000 $ 105,000 $ 75,000
Erie, New York 1 $ 645,000 $ 645,000 $ 280,000
Cleveland, Oklahoma 1 $ 205,000 $ 205,000 $ 55,000
Johnston, Oklahoma 1 $ 215,000 $ 215,000 $ 64,000
Logan, Oklahoma 1 $ 635,000 $ 635,000 $ 180,000
Angelina, Texas 1 $ 15,000 $ 15,000 $ 42,000
Aransas, Texas 1 $ 35,000 $ 35,000 $ 45,000
Brooks, Texas 1 $ 85,000 $ 85,000 $ 40,000
Burleson, Texas 1 $ 15,000 $ 15,000 $ 15,000
Calhoun, Texas 1 $ 15,000 $ 15,000 $ 24,000
Callahan, Texas 1 $ 15,000 $ 15,000 $ 80,000
Camp, Texas 1 $ 25,000 $ 25,000 $ 54,000
Cass, Texas 1 $ 105,000 $ 105,000 $ 34,000
Crosby, Texas 1 $ 15,000 $ 15,000 $ 32,000
Culberson, Texas 1 $ 135,000 $ 135,000 $ 74,000
Dawson, Texas 1 $ 55,000 $ 55,000 $ 27,000
Freestone, Texas 1 $ 15,000 $ 15,000 $ 9,000
Gaines, Texas 1 $ 35,000 $ 35,000 $ 96,000
Gillespie, Texas 1 $ 445,000 $ 445,000 $ 310,000
Goliad, Texas 1 $ 15,000 $ 15,000 $ 84,000
Grimes, Texas 1 $ 15,000 $ 15,000 $ 19,000
Hopkins, Texas 1 $ 15,000 $ 15,000 $ 33,000
Houston, Texas 1 $ 55,000 $ 55,000 $ 32,000
Howard, Texas 1 $ 75,000 $ 75,000 $ 37,000
Hudspeth, Texas 1 $ 15,000 $ 15,000 $ 31,000
Hutchinson, Texas 1 $ 105,000 $ 105,000 $ 39,000
Jack, Texas 1 $ 15,000 $ 15,000 $ 30,000
Jackson, Texas 1 $ 115,000 $ 115,000 $ 0
Jones, Texas 1 $ 15,000 $ 15,000 $ 110,000
Kendall, Texas 1 $ 345,000 $ 345,000 $ 123,000
Kleberg, Texas 1 $ 195,000 $ 195,000 $ 68,000
Lee, Texas 1 $ 55,000 $ 55,000 $ 78,000
Marion, Texas 1 $ 25,000 $ 25,000 $ 47,000
Mason, Texas 1 $ 15,000 $ 15,000 $ 51,000
Medina, Texas 1 $ 65,000 $ 65,000 $ 0
Moore, Texas 1 $ 185,000 $ 185,000 $ 70,000
Orange, Texas 1 $ 155,000 $ 155,000 $ 59,000
Reagan, Texas 1 $ 185,000 $ 185,000 $ 43,000
Rockwall, Texas 1 $ 105,000 $ 105,000 $ 115,000
Runnels, Texas 1 $ 35,000 $ 35,000 $ 26,000
Stephens, Texas 1 $ 15,000 $ 15,000 $ 14,000
Swisher, Texas 1 $ 15,000 $ 15,000 $ 68,000
Titus, Texas 1 $ 275,000 $ 275,000 $ 106,000
Val Verde, Texas 1 $ 35,000 $ 35,000 $ 60,000
Waller, Texas 1 $ 605,000 $ 605,000 $ 159,000
Washington, Texas 1 $ 8,175,000 $ 8,175,000 $ 0
Wilbarger, Texas 1 $ 15,000 $ 15,000 $ 20,000
Zapata, Texas 1 $ 25,000 $ 25,000 $ 65,000
Zavala, Texas 1 $ 45,000 $ 45,000 $ 74,000
Iron, Utah 1 $ 455,000 $ 455,000 $ 91,000
Norfolk, Virginia 1 $ 185,000 $ 185,000 $ 44,000
Suffolk, Virginia 1 $ 465,000 $ 465,000 $ 138,000

Mortgage Loan Application Detail Totals for First National Bank Texas in 2022

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 1,167 $338,195,000 $289,000 $8,175,000 $97,000 $640,000
Home Improvement 725 $31,855,000 $43,000 $355,000 $71,000 $1,404,000
Other Purpose 200 $9,690,000 $48,000 $335,000 $85,000 $1,527,000
Refinancing 198 $43,030,000 $217,000 $1,125,000 $100,000 $960,000
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 897 $126,345,000 $140,000 $635,000 $78,000 $1,404,000
White 717 $142,665,000 $198,000 $805,000 $98,000 $1,527,000
Black or African American 329 $50,165,000 $152,000 $1,475,000 $78,000 $640,000
Not Provided 244 $52,930,000 $216,000 $985,000 $97,000 $568,000
Asian 46 $10,200,000 $221,000 $645,000 $110,000 $348,000
Not applicable 33 $35,535,000 $1,076,000 $8,175,000 $0 $0
American Indian or Alaskan Native 16 $2,490,000 $155,000 $515,000 $89,000 $311,000
Native Hawaiian or Other Pacific Islander 6 $2,210,000 $368,000 $485,000 $104,000 $176,000

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) 1,513 $209,735,000 $138,000 $8,175,000 $88,000 $1,527,000
FHA-insured (Federal Housing Administration) 396 $87,110,000 $219,000 $475,000 $75,000 $221,000
VA-guaranteed (Veterans Administration) 380 $125,730,000 $330,000 $1,475,000 $99,000 $301,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $195,000 $195,000 $195,000 $88,000 $88,000

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 1,009 $284,525,000 $281,000 $8,175,000 $98,000 $564,000
Application Denied By Financial Institution 962 $57,600,000 $59,000 $605,000 $72,000 $1,527,000
Application Withdrawn By Applicant 285 $69,715,000 $244,000 $805,000 $102,000 $640,000
File Closed For Incompleteness 26 $2,280,000 $87,000 $635,000 $81,000 $180,000
Application Approved But Not Accepted 7 $8,295,000 $1,185,000 $6,685,000 $111,000 $222,000
Loan Purchased By The Institution 1 $355,000 $355,000 $355,000 $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 1,328 $365,170,000 $274,000 $8,175,000 $99,000 $640,000
Credit History 768 $35,930,000 $46,000 $605,000 $71,000 $1,527,000
Collateral 92 $8,180,000 $88,000 $565,000 $97,000 $729,000
Debt-To-Income Ratio 87 $11,555,000 $132,000 $475,000 $59,000 $311,000
Other 8 $1,230,000 $153,000 $355,000 $95,000 $319,000
Unverifiable Information 4 $430,000 $107,000 $195,000 $66,000 $121,000
Employment History 3 $275,000 $91,000 $185,000 $24,000 $34,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank Texas's 2022 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.
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