First National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First National Bank 2022 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 | 944 |
| Total Mortgage Loan Application Amount | $787,220,000 |
| Average Mortgage Loan Application Amount | $632,333 |
| Highest Mortgage Loan Application Amount | $7,185,000 |
| Average Applicant Income | $356,500 |
| Highest Applicant Income | $6,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 349 | $ 413,435,000 | $ 1,184,000 | $ 492,000 |
| Dallas County Texas | 135 | $ 105,795,000 | $ 783,000 | $ 352,000 |
| Denton County Texas | 94 | $ 99,170,000 | $ 1,055,000 | $ 546,000 |
| Wichita County Texas | 64 | $ 12,290,000 | $ 192,000 | $ 178,000 |
| Collin County Texas | 34 | $ 28,470,000 | $ 837,000 | $ 407,000 |
| Parker County Texas | 34 | $ 22,320,000 | $ 656,000 | $ 266,000 |
| Ellis County Texas | 33 | $ 17,075,000 | $ 517,000 | $ 259,000 |
| Wise County Texas | 32 | $ 13,500,000 | $ 421,000 | $ 165,000 |
| Grayson County Texas | 28 | $ 12,930,000 | $ 461,000 | $ 241,000 |
| Brown County Texas | 16 | $ 2,990,000 | $ 186,000 | $ 81,000 |
| Johnson County Texas | 13 | $ 6,475,000 | $ 498,000 | $ 153,000 |
| Clay County Texas | 9 | $ 1,565,000 | $ 173,000 | $ 201,000 |
| Archer County Texas | 8 | $ 2,060,000 | $ 257,000 | $ 127,000 |
| Henderson County Texas | 7 | $ 5,065,000 | $ 723,000 | $ 317,000 |
| McCurtain County Oklahoma | 6 | $ 2,970,000 | $ 495,000 | $ 300,000 |
| Harris County Texas | 6 | $ 3,420,000 | $ 570,000 | $ 225,000 |
| Hood County Texas | 5 | $ 2,955,000 | $ 591,000 | $ 238,000 |
| Rockwall County Texas | 5 | $ 6,265,000 | $ 1,253,000 | $ 687,000 |
| Cooke County Texas | 4 | $ 830,000 | $ 207,000 | $ 131,000 |
| Kaufman County Texas | 4 | $ 2,180,000 | $ 545,000 | $ 164,000 |
| Montague County Texas | 4 | $ 1,570,000 | $ 392,000 | $ 222,000 |
| Palo Pinto County Texas | 4 | $ 3,110,000 | $ 777,000 | $ 643,000 |
| Aransas County Texas | 3 | $ 2,145,000 | $ 715,000 | $ 345,000 |
| Mills County Texas | 3 | $ 435,000 | $ 145,000 | $ 70,000 |
| Lincoln County New Mexico | 2 | $ 570,000 | $ 285,000 | $ 281,000 |
| Comal County Texas | 2 | $ 2,100,000 | $ 1,050,000 | $ 324,000 |
| Galveston County Texas | 2 | $ 1,560,000 | $ 780,000 | $ 575,000 |
| Hunt County Texas | 2 | $ 350,000 | $ 175,000 | $ 98,000 |
| Smith County Texas | 2 | $ 660,000 | $ 330,000 | $ 89,000 |
| Somervell County Texas | 2 | $ 530,000 | $ 265,000 | $ 153,000 |
| Taylor County Texas | 2 | $ 840,000 | $ 420,000 | $ 549,000 |
| Travis County Texas | 2 | $ 1,090,000 | $ 545,000 | $ 152,000 |
| Baldwin County Alabama | 1 | $ 435,000 | $ 435,000 | $ 97,000 |
| Montgomery County Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Benton County Arkansas | 1 | $ 805,000 | $ 805,000 | $ 900,000 |
| Orange County California | 1 | $ 555,000 | $ 555,000 | $ 742,000 |
| El Paso County Colorado | 1 | $ 435,000 | $ 435,000 | $ 192,000 |
| Montrose County Colorado | 1 | $ 575,000 | $ 575,000 | $ 125,000 |
| District of Columbia County District Of Columbia | 1 | $ 685,000 | $ 685,000 | $ 185,000 |
| Osceola County Florida | 1 | $ 245,000 | $ 245,000 | $ 171,000 |
| Santa Rosa County Florida | 1 | $ 415,000 | $ 415,000 | $ 248,000 |
| Sandoval County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 138,000 |
| Cass County North Dakota | 1 | $ 225,000 | $ 225,000 | $ 141,000 |
| McIntosh County Oklahoma | 1 | $ 215,000 | $ 215,000 | $ 435,000 |
| Jackson County Oregon | 1 | $ 315,000 | $ 315,000 | $ 46,000 |
| Greenville County South Carolina | 1 | $ 385,000 | $ 385,000 | $ 178,000 |
| Franklin County Texas | 1 | $ 335,000 | $ 335,000 | $ 250,000 |
| Hays County Texas | 1 | $ 125,000 | $ 125,000 | $ 230,000 |
| Hill County Texas | 1 | $ 245,000 | $ 245,000 | $ 230,000 |
| Kendall County Texas | 1 | $ 435,000 | $ 435,000 | $ 183,000 |
| Lampasas County Texas | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Lubbock County Texas | 1 | $ 225,000 | $ 225,000 | $ 55,000 |
| McCulloch County Texas | 1 | $ 255,000 | $ 255,000 | $ 192,000 |
| McLennan County Texas | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Navarro County Texas | 1 | $ 1,105,000 | $ 1,105,000 | $ 237,000 |
| San Saba County Texas | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Van Zandt County Texas | 1 | $ 285,000 | $ 285,000 | $ 69,000 |
| Williamson County Texas | 1 | $ 445,000 | $ 445,000 | $ 111,000 |
| Young County Texas | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| King County Washington | 1 | $ 325,000 | $ 325,000 | $ 276,000 |
Mortgage Loan Application Detail Totals for First National Bank 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 | 687 | $635,295,000 | $924,000 | $7,185,000 | $397,000 | $6,200,000 |
| Refinancing | 146 | $110,950,000 | $759,000 | $3,505,000 | $358,000 | $3,591,000 |
| Not Applicable | 60 | $18,600,000 | $310,000 | $2,695,000 | $0 | $0 |
| Cash-out Refinancing | 47 | $18,565,000 | $395,000 | $1,595,000 | $219,000 | $1,428,000 |
| Home Improvement | 3 | $3,605,000 | $1,201,000 | $3,505,000 | $551,000 | $1,171,000 |
| Other Purpose | 1 | $205,000 | $205,000 | $205,000 | $614,000 | $614,000 |
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 | 558 | $445,080,000 | $797,000 | $7,185,000 | $365,000 | $6,200,000 |
| Not Provided | 144 | $176,060,000 | $1,222,000 | $6,375,000 | $466,000 | $1,818,000 |
| Not applicable | 73 | $26,095,000 | $357,000 | $5,895,000 | $0 | $0 |
| Asian | 64 | $72,780,000 | $1,137,000 | $6,735,000 | $518,000 | $2,634,000 |
| Hispanic | 57 | $25,875,000 | $453,000 | $3,545,000 | $204,000 | $1,404,000 |
| Black or African American | 45 | $38,245,000 | $849,000 | $2,985,000 | $345,000 | $2,630,000 |
| American Indian or Alaskan Native | 1 | $235,000 | $235,000 | $235,000 | $87,000 | $87,000 |
| 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) | 902 | $777,150,000 | $861,000 | $7,185,000 | $398,000 | $6,200,000 |
| FHA-insured (Federal Housing Administration) | 27 | $6,425,000 | $237,000 | $425,000 | $78,000 | $181,000 |
| VA-guaranteed (Veterans Administration) | 11 | $3,095,000 | $281,000 | $535,000 | $96,000 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $550,000 | $137,000 | $155,000 | $58,000 | $70,000 |
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 | 783 | $684,225,000 | $873,000 | $7,185,000 | $395,000 | $6,200,000 |
| Application Withdrawn By Applicant | 70 | $44,330,000 | $633,000 | $2,655,000 | $374,000 | $2,630,000 |
| Application Denied By Financial Institution | 66 | $42,040,000 | $636,000 | $3,205,000 | $248,000 | $1,105,000 |
| File Closed For Incompleteness | 15 | $12,155,000 | $810,000 | $2,335,000 | $384,000 | $1,003,000 |
| Application Approved But Not Accepted | 10 | $4,470,000 | $447,000 | $1,335,000 | $406,000 | $906,000 |
| 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 | 878 | $745,180,000 | $848,000 | $7,185,000 | $393,000 | $6,200,000 |
| Debt-To-Income Ratio | 17 | $14,915,000 | $877,000 | $3,205,000 | $204,000 | $963,000 |
| Other | 14 | $8,180,000 | $584,000 | $1,605,000 | $215,000 | $500,000 |
| Collateral | 11 | $3,195,000 | $290,000 | $695,000 | $227,000 | $742,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $7,475,000 | $830,000 | $1,355,000 | $369,000 | $784,000 |
| Unverifiable Information | 7 | $3,145,000 | $449,000 | $745,000 | $291,000 | $1,105,000 |
| Employment History | 3 | $1,675,000 | $558,000 | $825,000 | $170,000 | $198,000 |
| Credit History | 3 | $605,000 | $201,000 | $305,000 | $71,000 | $73,000 |
| Credit Application Incomplete | 2 | $2,850,000 | $1,425,000 | $2,445,000 | $549,000 | $607,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank'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'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.