First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First National Bank 2021 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 | 1,274 |
| Total Mortgage Loan Application Amount | $544,970,000 |
| Average Mortgage Loan Application Amount | $375,600 |
| Highest Mortgage Loan Application Amount | $6,595,000 |
| Average Applicant Income | $495,600 |
| Highest Applicant Income | $4,644,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tarrant County Texas | 419 | $ 216,645,000 | $ 517,000 | $ 272,000 |
| Dallas County Texas | 169 | $ 94,075,000 | $ 556,000 | $ 326,000 |
| Denton County Texas | 143 | $ 75,825,000 | $ 530,000 | $ 304,000 |
| Brown County Texas | 130 | $ 23,950,000 | $ 184,000 | $ 72,000 |
| Wichita County Texas | 85 | $ 14,885,000 | $ 175,000 | $ 95,000 |
| Wise County Texas | 51 | $ 12,975,000 | $ 254,000 | $ 138,000 |
| Collin County Texas | 40 | $ 20,940,000 | $ 523,000 | $ 281,000 |
| Ellis County Texas | 28 | $ 8,570,000 | $ 306,000 | $ 187,000 |
| Parker County Texas | 19 | $ 8,115,000 | $ 427,000 | $ 138,000 |
| Johnson County Texas | 16 | $ 4,510,000 | $ 281,000 | $ 129,000 |
| Grayson County Texas | 14 | $ 3,770,000 | $ 269,000 | $ 143,000 |
| Harris County Texas | 10 | $ 4,120,000 | $ 412,000 | $ 230,000 |
| Henderson County Texas | 10 | $ 6,880,000 | $ 688,000 | $ 290,000 |
| Clay County Texas | 8 | $ 1,130,000 | $ 141,000 | $ 135,000 |
| McCurtain County Oklahoma | 7 | $ 3,005,000 | $ 429,000 | $ 323,000 |
| Travis County Texas | 6 | $ 2,910,000 | $ 485,000 | $ 138,000 |
| Archer County Texas | 5 | $ 2,075,000 | $ 415,000 | $ 140,000 |
| Kaufman County Texas | 5 | $ 1,675,000 | $ 335,000 | $ 92,000 |
| Palo Pinto County Texas | 5 | $ 3,355,000 | $ 671,000 | $ 1,090,000 |
| Hays County Texas | 4 | $ 860,000 | $ 215,000 | $ 151,000 |
| Mills County Texas | 4 | $ 1,100,000 | $ 275,000 | $ 84,000 |
| Montgomery County Texas | 4 | $ 1,170,000 | $ 292,000 | $ 149,000 |
| Aransas County Texas | 3 | $ 1,185,000 | $ 395,000 | $ 335,000 |
| Chambers County Texas | 3 | $ 2,465,000 | $ 821,000 | $ 334,000 |
| Comal County Texas | 3 | $ 1,035,000 | $ 345,000 | $ 150,000 |
| Cooke County Texas | 3 | $ 1,545,000 | $ 515,000 | $ 173,000 |
| Eastland County Texas | 3 | $ 485,000 | $ 161,000 | $ 68,000 |
| Galveston County Texas | 3 | $ 885,000 | $ 295,000 | $ 155,000 |
| Hunt County Texas | 3 | $ 615,000 | $ 205,000 | $ 110,000 |
| Montague County Texas | 3 | $ 1,675,000 | $ 558,000 | $ 118,000 |
| Rockwall County Texas | 3 | $ 1,435,000 | $ 478,000 | $ 182,000 |
| Orange County California | 2 | $ 610,000 | $ 305,000 | $ 157,000 |
| Arapahoe County Colorado | 2 | $ 840,000 | $ 420,000 | $ 108,000 |
| Orleans County Louisiana | 2 | $ 400,000 | $ 200,000 | $ 104,000 |
| Clay County Missouri | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Bernalillo County New Mexico | 2 | $ 860,000 | $ 430,000 | $ 333,000 |
| Tulsa County Oklahoma | 2 | $ 860,000 | $ 430,000 | $ 373,000 |
| Callahan County Texas | 2 | $ 420,000 | $ 210,000 | $ 91,000 |
| Coleman County Texas | 2 | $ 540,000 | $ 270,000 | $ 128,000 |
| Hood County Texas | 2 | $ 1,190,000 | $ 595,000 | $ 222,000 |
| Kerr County Texas | 2 | $ 860,000 | $ 430,000 | $ 287,000 |
| McLennan County Texas | 2 | $ 620,000 | $ 310,000 | $ 98,000 |
| Somervell County Texas | 2 | $ 520,000 | $ 260,000 | $ 115,000 |
| Taylor County Texas | 2 | $ 460,000 | $ 230,000 | $ 84,000 |
| Tom Green County Texas | 2 | $ 510,000 | $ 255,000 | $ 61,000 |
| Wilbarger County Texas | 2 | $ 150,000 | $ 75,000 | $ 77,000 |
| Maricopa County Arizona | 1 | $ 955,000 | $ 955,000 | $ 349,000 |
| Garland County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 322,000 |
| Sebastian County Arkansas | 1 | $ 745,000 | $ 745,000 | $ 341,000 |
| Riverside County California | 1 | $ 235,000 | $ 235,000 | $ 43,000 |
| San Diego County California | 1 | $ 305,000 | $ 305,000 | $ 320,000 |
| Routt County Colorado | 1 | $ 505,000 | $ 505,000 | $ 356,000 |
| Collier County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 325,000 | $ 325,000 | $ 88,000 |
| Cook County Illinois | 1 | $ 245,000 | $ 245,000 | $ 260,000 |
| Ramsey County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 163,000 |
| Polk County Missouri | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Passaic County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 275,000 |
| Grant County New Mexico | 1 | $ 305,000 | $ 305,000 | $ 112,000 |
| Montgomery County Ohio | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Logan County Oklahoma | 1 | $ 395,000 | $ 395,000 | $ 165,000 |
| Marshall County Oklahoma | 1 | $ 475,000 | $ 475,000 | $ 548,000 |
| Oklahoma County Oklahoma | 1 | $ 665,000 | $ 665,000 | $ 220,000 |
| Lincoln County Oregon | 1 | $ 335,000 | $ 335,000 | $ 244,000 |
| Bandera County Texas | 1 | $ 435,000 | $ 435,000 | $ 193,000 |
| Briscoe County Texas | 1 | $ 445,000 | $ 445,000 | $ 241,000 |
| Burleson County Texas | 1 | $ 315,000 | $ 315,000 | $ 104,000 |
| Burnet County Texas | 1 | $ 565,000 | $ 565,000 | $ 305,000 |
| Comanche County Texas | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| Fannin County Texas | 1 | $ 125,000 | $ 125,000 | $ 118,000 |
| Fort Bend County Texas | 1 | $ 1,005,000 | $ 1,005,000 | $ 416,000 |
| Gregg County Texas | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Guadalupe County Texas | 1 | $ 205,000 | $ 205,000 | $ 109,000 |
| Hill County Texas | 1 | $ 155,000 | $ 155,000 | $ 43,000 |
| Jones County Texas | 1 | $ 215,000 | $ 215,000 | $ 79,000 |
| Kendall County Texas | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Randall County Texas | 1 | $ 255,000 | $ 255,000 | $ 68,000 |
| Van Zandt County Texas | 1 | $ 265,000 | $ 265,000 | $ 70,000 |
| Williamson County Texas | 1 | $ 255,000 | $ 255,000 | $ 87,000 |
| Young County Texas | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for First National Bank in 2021
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 | 766 | $320,990,000 | $419,000 | $6,595,000 | $226,000 | $3,429,000 |
| Refinancing | 351 | $170,095,000 | $484,000 | $2,895,000 | $238,000 | $2,679,000 |
| Cash-out Refinancing | 142 | $48,030,000 | $338,000 | $1,995,000 | $206,000 | $2,975,000 |
| Home Improvement | 11 | $5,195,000 | $472,000 | $1,985,000 | $157,000 | $485,000 |
| Other Purpose | 4 | $660,000 | $165,000 | $305,000 | $1,651,000 | $4,644,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 753 | $323,565,000 | $429,000 | $2,895,000 | $209,000 | $2,975,000 |
| Not Provided | 245 | $125,535,000 | $512,000 | $6,595,000 | $323,000 | $4,644,000 |
| Not applicable | 96 | $29,770,000 | $310,000 | $2,455,000 | $0 | $0 |
| Hispanic | 87 | $23,935,000 | $275,000 | $2,005,000 | $134,000 | $1,766,000 |
| Asian | 51 | $28,125,000 | $551,000 | $2,435,000 | $327,000 | $1,340,000 |
| Black or African American | 38 | $12,580,000 | $331,000 | $1,945,000 | $162,000 | $840,000 |
| American Indian or Alaskan Native | 3 | $915,000 | $305,000 | $545,000 | $93,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,076 | $501,740,000 | $466,000 | $6,595,000 | $261,000 | $4,644,000 |
| FHA-insured (Federal Housing Administration) | 131 | $26,625,000 | $203,000 | $415,000 | $76,000 | $589,000 |
| VA-guaranteed (Veterans Administration) | 39 | $12,295,000 | $315,000 | $665,000 | $87,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $4,310,000 | $153,000 | $335,000 | $54,000 | $86,000 |
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 | 1,063 | $440,025,000 | $413,000 | $6,595,000 | $230,000 | $4,644,000 |
| Application Withdrawn By Applicant | 125 | $58,505,000 | $468,000 | $2,895,000 | $244,000 | $1,766,000 |
| Application Denied By Financial Institution | 70 | $38,910,000 | $555,000 | $2,025,000 | $214,000 | $1,235,000 |
| File Closed For Incompleteness | 12 | $5,900,000 | $491,000 | $1,995,000 | $190,000 | $430,000 |
| Application Approved But Not Accepted | 4 | $1,630,000 | $407,000 | $545,000 | $188,000 | $300,000 |
| 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 | 1,204 | $506,060,000 | $420,000 | $6,595,000 | $231,000 | $4,644,000 |
| Other | 16 | $6,910,000 | $431,000 | $1,275,000 | $224,000 | $562,000 |
| Collateral | 16 | $7,560,000 | $472,000 | $1,735,000 | $181,000 | $435,000 |
| Unverifiable Information | 12 | $3,820,000 | $318,000 | $885,000 | $150,000 | $647,000 |
| Debt-To-Income Ratio | 11 | $12,075,000 | $1,097,000 | $1,995,000 | $221,000 | $435,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $5,420,000 | $903,000 | $2,025,000 | $358,000 | $686,000 |
| Credit History | 5 | $1,525,000 | $305,000 | $465,000 | $127,000 | $325,000 |
| Employment History | 3 | $745,000 | $248,000 | $435,000 | $66,000 | $108,000 |
| Credit Application Incomplete | 1 | $855,000 | $855,000 | $855,000 | $1,235,000 | $1,235,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank's 2021 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.
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with aggregated HMDA statistics today.