First Nb of Jacksboro Mortgage Lending & HMDA Data, 2011
In 2011, First Nb of Jacksboro of Jacksboro, TX reported 471 mortgage applications totaling $69.4 million, down 2% from 2010. The average application was for $147,316, and applicants reported an average income of $81,685. 13% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Fort Worth-Arlington, TX (34), San Antonio-New Braunfels, TX (34) and Dallas-Plano-Irving, TX (30) (applications in parentheses).
| Mortgage Company & Address | First Nb of Jacksboro P.O. Drawer E Jacksboro, TX 76458 |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 471 |
| Total Mortgage Loan Application Amount | $69,386,000 |
| Average Mortgage Loan Application Amount | $147,316 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $81,685 |
| Highest Applicant Income | $3,847,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Nb of Jacksboro filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fort Worth-Arlington, TX | 34 | $ 3,559,000 | $ 104,676 | $ 69,000 |
| San Antonio-New Braunfels, TX | 34 | $ 5,199,000 | $ 152,911 | $ 53,000 |
| Dallas-Plano-Irving, TX | 30 | $ 10,999,000 | $ 366,633 | $ 359,000 |
| Austin-Round Rock-San Marcos, TX | 28 | $ 4,543,000 | $ 162,250 | $ 70,000 |
| Houston-Sugar Land-Baytown, TX | 10 | $ 1,668,000 | $ 166,800 | $ 69,000 |
| Longview, TX | 7 | $ 1,153,000 | $ 164,714 | $ 61,000 |
| College Station-Bryan, TX | 6 | $ 705,000 | $ 117,500 | $ 49,000 |
| Hinesville-Fort Stewart, GA | 6 | $ 707,000 | $ 117,833 | $ 50,000 |
| Oklahoma City, OK | 6 | $ 926,000 | $ 154,333 | $ 54,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 723,000 | $ 144,600 | $ 52,000 |
| Abilene, TX | 4 | $ 437,000 | $ 109,250 | $ 56,000 |
| Baton Rouge, LA | 4 | $ 607,000 | $ 151,750 | $ 76,000 |
| Farmington, NM | 4 | $ 636,000 | $ 159,000 | $ 59,000 |
| Lafayette, LA | 4 | $ 419,000 | $ 104,750 | $ 75,000 |
| Midland, TX | 4 | $ 638,000 | $ 159,500 | $ 61,000 |
| Texarkana, Tx-Texarkana, AR | 4 | $ 505,000 | $ 126,250 | $ 53,000 |
| Waco, TX | 4 | $ 373,000 | $ 93,250 | $ 46,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 325,000 | $ 108,333 | $ 50,333 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 423,000 | $ 141,000 | $ 70,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 887,000 | $ 295,666 | $ 69,000 |
| Shreveport-Bossier City, LA | 3 | $ 368,000 | $ 122,666 | $ 42,000 |
| Tulsa, OK | 3 | $ 408,000 | $ 136,000 | $ 43,000 |
| Tyler, TX | 3 | $ 489,000 | $ 163,000 | $ 74,000 |
| Victoria, TX | 3 | $ 440,000 | $ 146,666 | $ 90,000 |
| Albuquerque, NM | 2 | $ 285,000 | $ 142,500 | $ 59,000 |
| Corpus Christi, TX | 2 | $ 214,000 | $ 107,000 | $ 44,000 |
| Hot Springs, AR | 2 | $ 201,000 | $ 100,500 | $ 34,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 324,000 | $ 162,000 | $ 70,000 |
| Jackson, MS | 2 | $ 178,000 | $ 89,000 | $ 32,000 |
| Lake Charles, LA | 2 | $ 244,000 | $ 122,000 | $ 64,000 |
| Memphis, TN-MS-AR | 2 | $ 267,000 | $ 133,500 | $ 51,000 |
| Montgomery, AL | 2 | $ 177,000 | $ 88,500 | $ 47,000 |
| Morgantown, WV | 2 | $ 217,000 | $ 108,500 | $ 43,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 236,000 | $ 118,000 | $ 37,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 223,000 | $ 111,500 | $ 37,000 |
| Pittsburgh, PA | 2 | $ 383,000 | $ 191,500 | $ 40,000 |
| Redding, CA | 2 | $ 299,000 | $ 149,500 | $ 70,000 |
| Santa Fe, NM | 2 | $ 351,000 | $ 175,500 | $ 47,000 |
| Wichita Falls, TX | 2 | $ 113,000 | $ 56,500 | $ 50,000 |
| Yakima, WA | 2 | $ 238,000 | $ 119,000 | $ 38,000 |
| Alexandria, LA | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Columbia, SC | 1 | $ 276,000 | $ 276,000 | $ 141,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Flagstaff, AZ | 1 | $ 151,000 | $ 151,000 | $ 62,000 |
| Florence, SC | 1 | $ 183,000 | $ 183,000 | $ 59,000 |
| Greeley, CO | 1 | $ 91,000 | $ 91,000 | $ 24,000 |
| Harrisburg-Carlisle, PA | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Jackson, TN | 1 | $ 112,000 | $ 112,000 | $ 75,000 |
| Jacksonville, FL | 1 | $ 89,000 | $ 89,000 | $ 58,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 182,000 | $ 182,000 | $ 58,000 |
| Lincoln, NE | 1 | $ 161,000 | $ 161,000 | $ 47,000 |
| Mobile, AL | 1 | $ 80,000 | $ 80,000 | $ 34,000 |
| Monroe, LA | 1 | $ 119,000 | $ 119,000 | $ 62,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 90,000 | $ 90,000 | $ 69,000 |
| Odessa, TX | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Olympia, WA | 1 | $ 146,000 | $ 146,000 | $ 61,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 204,000 | $ 204,000 | $ 77,000 |
| Owensboro, KY | 1 | $ 136,000 | $ 136,000 | $ 41,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 199,000 | $ 199,000 | $ 60,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 108,000 | $ 108,000 | $ 23,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 199,000 | $ 199,000 | $ 85,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 254,000 | $ 254,000 | $ 49,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 232,000 | $ 232,000 | $ 118,000 |
| Spartanburg, SC | 1 | $ 58,000 | $ 58,000 | $ 43,000 |
| Tacoma, WA | 1 | $ 149,000 | $ 149,000 | $ 47,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 163,000 | $ 163,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for First Nb of Jacksboro in 2011
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 | 446 | $66,737,000 | $149,000 | $2,000,000 | $79,000 | $3,847,000 |
| Refinancing | 18 | $2,138,000 | $118,000 | $405,000 | $152,000 | $518,000 |
| Home Improvement | 7 | $511,000 | $73,000 | $170,000 | $72,000 | $185,000 |
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 | 350 | $51,581,000 | $147,000 | $1,750,000 | $87,000 | $3,847,000 |
| Hispanic | 69 | $10,614,000 | $153,000 | $2,000,000 | $76,000 | $1,669,000 |
| Black or African American | 37 | $4,752,000 | $128,000 | $274,000 | $49,000 | $111,000 |
| Not Provided | 9 | $1,707,000 | $189,000 | $900,000 | $78,000 | $336,000 |
| Not applicable | 3 | $198,000 | $66,000 | $86,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $234,000 | $234,000 | $234,000 | $51,000 | $51,000 |
| American Indian or Alaskan Native | 1 | $151,000 | $151,000 | $151,000 | $62,000 | $62,000 |
| Asian | 1 | $149,000 | $149,000 | $149,000 | $50,000 | $50,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 373 | $52,940,000 | $141,000 | $423,000 | $56,000 | $145,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 89 | $15,108,000 | $169,000 | $2,000,000 | $191,000 | $3,847,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,338,000 | $148,000 | $275,000 | $59,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 Purchased By The Institution | 388 | $55,053,000 | $141,000 | $423,000 | $56,000 | $196,000 |
| Loan Originated | 60 | $9,693,000 | $161,000 | $2,000,000 | $178,000 | $1,669,000 |
| Application Denied By Financial Institution | 11 | $801,000 | $72,000 | $149,000 | $47,000 | $87,000 |
| Application Approved But Not Accepted | 8 | $1,912,000 | $239,000 | $1,500,000 | $548,000 | $3,847,000 |
| Application Withdrawn By Applicant | 2 | $1,806,000 | $903,000 | $1,750,000 | $345,000 | $595,000 |
| File Closed For Incompleteness | 2 | $121,000 | $60,000 | $70,000 | $62,000 | $81,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $280,000 | $56,000 | $80,000 | $39,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $174,000 | $87,000 | $139,000 | $51,000 | $70,000 |
| Other | 1 | $149,000 | $149,000 | $149,000 | $87,000 | $87,000 |
| Unverifiable Information | 1 | $15,000 | $15,000 | $15,000 | $36,000 | $36,000 |
| Debt-To-Income Ratio | 1 | $120,000 | $120,000 | $120,000 | $59,000 | $59,000 |
| Employment History | 1 | $63,000 | $63,000 | $63,000 | $36,000 | $36,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Nb of Jacksboro's 2011 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 Nb of Jacksboro'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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