First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
First National Bank 2010 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 1540 E. Southlake Blvd Wichita Falls, TX 76092 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 | 1,143 |
| Total Mortgage Loan Application Amount | $245,486,000 |
| Average Mortgage Loan Application Amount | $193,666 |
| Highest Mortgage Loan Application Amount | $1,850,000 |
| Average Applicant Income | $139,333 |
| Highest Applicant Income | $1,436,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 with First National Bank. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2010 breaks down First National Bank'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by First National Bank, 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's mortgage activity for 2010.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas County Texas | 312 | $ 82,956,000 | $ 265,000 | $ 161,000 |
| Tarrant County Texas | 237 | $ 58,934,000 | $ 248,000 | $ 168,000 |
| Wichita County Texas | 190 | $ 19,396,000 | $ 102,000 | $ 90,000 |
| Collin County Texas | 165 | $ 35,635,000 | $ 215,000 | $ 132,000 |
| Denton County Texas | 106 | $ 23,020,000 | $ 217,000 | $ 120,000 |
| Travis County Texas | 13 | $ 2,874,000 | $ 221,000 | $ 115,000 |
| Clay County Texas | 12 | $ 1,201,000 | $ 100,000 | $ 57,000 |
| Henderson County Texas | 10 | $ 2,388,000 | $ 238,000 | $ 203,000 |
| Archer County Texas | 9 | $ 1,237,000 | $ 137,000 | $ 92,000 |
| Harris County Texas | 7 | $ 1,487,000 | $ 212,000 | $ 137,000 |
| Bexar County Texas | 5 | $ 1,278,000 | $ 255,000 | $ 248,000 |
| Montgomery County Texas | 4 | $ 1,362,000 | $ 340,000 | $ 340,000 |
| Rockwall County Texas | 4 | $ 1,044,000 | $ 261,000 | $ 147,000 |
| Wise County Texas | 4 | $ 812,000 | $ 203,000 | $ 146,000 |
| Ellis County Texas | 3 | $ 506,000 | $ 168,000 | $ 98,000 |
| Kaufman County Texas | 3 | $ 352,000 | $ 117,000 | $ 61,000 |
| Parker County Texas | 3 | $ 481,000 | $ 160,000 | $ 83,000 |
| Wilbarger County Texas | 3 | $ 188,000 | $ 62,000 | $ 58,000 |
| Los Angeles County California | 2 | $ 994,000 | $ 497,000 | $ 657,000 |
| Baylor County Texas | 2 | $ 302,000 | $ 151,000 | $ 92,000 |
| Brown County Texas | 2 | $ 249,000 | $ 124,000 | $ 50,000 |
| Montague County Texas | 2 | $ 323,000 | $ 161,000 | $ 110,000 |
| Navarro County Texas | 2 | $ 380,000 | $ 190,000 | $ 152,000 |
| Palo Pinto County Texas | 2 | $ 777,000 | $ 388,000 | $ 171,000 |
| Williamson County Texas | 2 | $ 285,000 | $ 142,000 | $ 59,000 |
| Wood County Texas | 2 | $ 272,000 | $ 136,000 | $ 291,000 |
| Napa County California | 1 | $ 309,000 | $ 309,000 | $ 89,000 |
| Chaffee County Colorado | 1 | $ 408,000 | $ 408,000 | $ 155,000 |
| Teller County Colorado | 1 | $ 108,000 | $ 108,000 | $ 79,000 |
| Effingham County Illinois | 1 | $ 240,000 | $ 240,000 | $ 74,000 |
| Cumberland County Maine | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Santa Fe County New Mexico | 1 | $ 242,000 | $ 242,000 | $ 396,000 |
| Guilford County North Carolina | 1 | $ 203,000 | $ 203,000 | $ 73,000 |
| Bryan County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Cleveland County Oklahoma | 1 | $ 108,000 | $ 108,000 | $ 53,000 |
| Jefferson County Oklahoma | 1 | $ 69,000 | $ 69,000 | $ 40,000 |
| Payne County Oklahoma | 1 | $ 257,000 | $ 257,000 | $ 109,000 |
| Williamson County Tennessee | 1 | $ 312,000 | $ 312,000 | $ 104,000 |
| Wilson County Tennessee | 1 | $ 216,000 | $ 216,000 | $ 160,000 |
| Andrews County Texas | 1 | $ 117,000 | $ 117,000 | $ 145,000 |
| Brazoria County Texas | 1 | $ 174,000 | $ 174,000 | $ 88,000 |
| Brazos County Texas | 1 | $ 126,000 | $ 126,000 | $ 137,000 |
| Camp County Texas | 1 | $ 101,000 | $ 101,000 | $ 42,000 |
| Childress County Texas | 1 | $ 33,000 | $ 33,000 | $ 76,000 |
| Comal County Texas | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Cooke County Texas | 1 | $ 229,000 | $ 229,000 | $ 229,000 |
| Fort Bend County Texas | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Franklin County Texas | 1 | $ 100,000 | $ 100,000 | $ 98,000 |
| Freestone County Texas | 1 | $ 103,000 | $ 103,000 | $ 60,000 |
| Grayson County Texas | 1 | $ 80,000 | $ 80,000 | $ 185,000 |
| Hood County Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Johnson County Texas | 1 | $ 96,000 | $ 96,000 | $ 46,000 |
| Kendall County Texas | 1 | $ 377,000 | $ 377,000 | $ 136,000 |
| Lubbock County Texas | 1 | $ 177,000 | $ 177,000 | $ 109,000 |
| Matagorda County Texas | 1 | $ 126,000 | $ 126,000 | $ 151,000 |
| Nueces County Texas | 1 | $ 315,000 | $ 315,000 | $ 139,000 |
| Rains County Texas | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Randall County Texas | 1 | $ 117,000 | $ 117,000 | $ 50,000 |
| Smith County Texas | 1 | $ 133,000 | $ 133,000 | $ 70,000 |
| Wilson County Texas | 1 | $ 152,000 | $ 152,000 | $ 88,000 |
| King County Washington | 1 | $ 338,000 | $ 338,000 | $ 140,000 |
| Kenosha County Wisconsin | 1 | $ 26,000 | $ 26,000 | $ 72,000 |
| Teton County Wyoming | 1 | $ 417,000 | $ 417,000 | $ 740,000 |
Mortgage Loan Application Detail Totals for First National Bank in 2010
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 | 585 | $118,928,000 | $203,000 | $1,222,000 | $131,000 | $1,315,000 |
| Refinancing | 529 | $122,267,000 | $231,000 | $1,850,000 | $150,000 | $1,436,000 |
| Home Improvement | 29 | $4,291,000 | $147,000 | $417,000 | $137,000 | $1,039,000 |
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 | 960 | $206,675,000 | $215,000 | $1,222,000 | $140,000 | $1,436,000 |
| Hispanic | 65 | $10,635,000 | $163,000 | $487,000 | $115,000 | $510,000 |
| Asian | 61 | $15,989,000 | $262,000 | $1,000,000 | $218,000 | $1,154,000 |
| Not applicable | 22 | $3,245,000 | $147,000 | $640,000 | $0 | $0 |
| Black or African American | 16 | $2,609,000 | $163,000 | $381,000 | $103,000 | $265,000 |
| Not Provided | 12 | $5,201,000 | $433,000 | $1,850,000 | $229,000 | $720,000 |
| American Indian or Alaskan Native | 4 | $590,000 | $147,000 | $277,000 | $108,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $542,000 | $180,000 | $226,000 | $105,000 | $160,000 |
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) | 886 | $203,977,000 | $230,000 | $1,850,000 | $160,000 | $1,436,000 |
| FHA-insured (Federal Housing Administration) | 223 | $35,551,000 | $159,000 | $277,000 | $71,000 | $256,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,927,000 | $179,000 | $487,000 | $71,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $31,000 | $31,000 | $31,000 | $31,000 | $31,000 |
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 | 997 | $213,332,000 | $213,000 | $1,850,000 | $139,000 | $1,194,000 |
| Application Denied By Financial Institution | 61 | $12,953,000 | $212,000 | $1,000,000 | $151,000 | $1,315,000 |
| Application Withdrawn By Applicant | 56 | $13,304,000 | $237,000 | $1,050,000 | $140,000 | $607,000 |
| Application Approved But Not Accepted | 23 | $4,505,000 | $195,000 | $880,000 | $157,000 | $1,436,000 |
| File Closed For Incompleteness | 6 | $1,392,000 | $232,000 | $583,000 | $111,000 | $216,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 19 | $3,510,000 | $184,000 | $678,000 | $65,000 | $264,000 |
| Credit History | 17 | $2,141,000 | $125,000 | $411,000 | $125,000 | $720,000 |
| Collateral | 15 | $3,785,000 | $252,000 | $901,000 | $185,000 | $740,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,763,000 | $552,000 | $1,000,000 | $441,000 | $1,315,000 |
| Unverifiable Information | 3 | $596,000 | $198,000 | $400,000 | $267,000 | $634,000 |
| Other | 2 | $158,000 | $79,000 | $100,000 | $34,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank's 2010 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'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.