First Star Bank, S.S.B. Mortgage Lending & HMDA Data, 2005

In 2005, First Star Bank, S.S.B. of Bremond, TX reported 1,072 mortgage applications totaling $151.4 million, down 29% from 2004. The average application was for $141,276, and applicants reported an average income of $64,401. 8% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Dallas-Plano-Irving, TX (85), Austin-Round Rock, TX (82) and College Station-Bryan, TX (75) (applications in parentheses).

Mortgage Company & Address First Star Bank, S.S.B.
109 S Commerce / Po Box 7
Bremond, TX 76629
Tel #: available with data download
Federal Regulator * available with data download
Years 2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  
Total Number of Mortgage Applications 1,072
Total Mortgage Loan Application Amount $151,448,000
Average Mortgage Loan Application Amount $141,276
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $64,401
Highest Applicant Income $841,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Star Bank, S.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Star Bank, S.S.B. by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Robertson, Texas 71 $ 3,868,000 $ 54,478 $ 55,000
Dallas, Texas 68 $ 7,497,000 $ 110,250 $ 96,000
Travis, Texas 59 $ 8,025,000 $ 136,016 $ 101,000
Clark, Nevada 47 $ 9,206,000 $ 195,872 $ 61,000
Tarrant, Texas 34 $ 3,932,000 $ 115,647 $ 35,000
St. Louis, Missouri 32 $ 5,076,000 $ 158,625 $ 110,000
St. Charles, Missouri 24 $ 3,799,000 $ 158,291 $ 62,000
Houston, Alabama 22 $ 2,195,000 $ 99,772 $ 54,000
Cook, Illinois 22 $ 4,983,000 $ 226,500 $ 76,000
Palm Beach, Florida 19 $ 6,300,000 $ 331,578 $ 132,000
Williamson, Texas 17 $ 1,916,000 $ 112,705 $ 95,000
Johnson, Texas 16 $ 1,434,000 $ 89,625 $ 38,000
Shelby, Alabama 14 $ 2,094,000 $ 149,571 $ 53,000
Victoria, Texas 14 $ 1,275,000 $ 91,071 $ 44,000
Dale, Alabama 13 $ 964,000 $ 74,153 $ 44,000
Nye, Nevada 13 $ 2,127,000 $ 163,615 $ 45,000
Jefferson, Alabama 12 $ 1,886,000 $ 157,166 $ 72,000
Cullman, Alabama 9 $ 959,000 $ 106,555 $ 46,000
Broward, Florida 9 $ 2,004,000 $ 222,666 $ 57,000
Denton, Texas 9 $ 1,155,000 $ 128,333 $ 32,000
Guadalupe, Texas 9 $ 815,000 $ 90,555 $ 33,000
Milam, Texas 9 $ 1,098,000 $ 122,000 $ 52,000
Tuscaloosa, Alabama 8 $ 1,110,000 $ 138,750 $ 66,000
Jefferson, Missouri 7 $ 712,000 $ 101,714 $ 60,000
El Paso, Texas 7 $ 508,000 $ 72,571 $ 14,000
Bullitt, Kentucky 6 $ 843,000 $ 140,500 $ 63,000
Collin, Texas 6 $ 850,000 $ 141,666 $ 73,000
Grayson, Texas 6 $ 526,000 $ 87,666 $ 43,000
Geneva, Alabama 5 $ 672,000 $ 134,400 $ 88,000
Boulder, Colorado 5 $ 2,766,000 $ 553,200 $ 174,000
Collier, Florida 5 $ 942,000 $ 188,400 $ 51,000
Miami-Dade, Florida 5 $ 696,000 $ 139,200 $ 195,000
Pinellas, Florida 5 $ 1,004,000 $ 200,800 $ 93,000
Wake, North Carolina 5 $ 908,000 $ 181,600 $ 37,000
Bexar, Texas 5 $ 543,000 $ 108,600 $ 50,000
Marshall, Alabama 4 $ 303,000 $ 75,750 $ 39,000
Los Angeles, California 4 $ 2,016,000 $ 504,000 $ 77,000
Duval, Florida 4 $ 655,000 $ 163,750 $ 44,000
Brazos, Texas 4 $ 396,000 $ 99,000 $ 61,000
Alameda, California 3 $ 955,000 $ 318,333 $ 63,000
Orange, Florida 3 $ 185,000 $ 61,666 $ 62,000
Gwinnett, Georgia 3 $ 602,000 $ 200,666 $ 44,000
Jefferson, Kentucky 3 $ 439,000 $ 146,333 $ 40,000
St. Louis City, Missouri 3 $ 715,000 $ 238,333 $ 157,000
Harnett, North Carolina 3 $ 393,000 $ 131,000 $ 44,000
Mecklenburg, North Carolina 3 $ 621,000 $ 207,000 $ 27,000
Falls, Texas 3 $ 253,000 $ 84,333 $ 73,000
Wichita, Texas 3 $ 202,000 $ 67,333 $ 41,000
Kitsap, Washington 3 $ 678,000 $ 226,000 $ 67,000
Covington, Alabama 2 $ 163,000 $ 81,500 $ 70,000
Walker, Alabama 2 $ 274,000 $ 137,000 $ 77,000
Cochise, Arizona 2 $ 525,000 $ 262,500 $ 55,000
Maricopa, Arizona 2 $ 461,000 $ 230,500 $ 71,000
Brevard, Florida 2 $ 465,000 $ 232,500 $ 223,000
Hillsborough, Florida 2 $ 185,000 $ 92,500 $ 49,000
Leon, Florida 2 $ 278,000 $ 139,000 $ 72,000
St. Lucie, Florida 2 $ 251,000 $ 125,500 $ 69,000
Volusia, Florida 2 $ 190,000 $ 95,000 $ 78,000
Clayton, Georgia 2 $ 240,000 $ 120,000 $ 39,000
Fayette, Kentucky 2 $ 292,000 $ 146,000 $ 59,000
Cecil, Maryland 2 $ 447,000 $ 223,500 $ 90,000
Franklin, Missouri 2 $ 236,000 $ 118,000 $ 79,000
Washoe, Nevada 2 $ 596,000 $ 298,000 $ 101,000
Burlington, New Jersey 2 $ 375,000 $ 187,500 $ 49,000
Gloucester, New Jersey 2 $ 466,000 $ 233,000 $ 74,000
Cumberland, North Carolina 2 $ 341,000 $ 170,500 $ 74,000
Bucks, Pennsylvania 2 $ 506,000 $ 253,000 $ 69,000
Shelby, Tennessee 2 $ 347,000 $ 173,500 $ 157,000
Aransas, Texas 2 $ 135,000 $ 67,500 $ 42,000
Bastrop, Texas 2 $ 157,000 $ 78,500 $ 54,000
Burnet, Texas 2 $ 171,000 $ 85,500 $ 123,000
Caldwell, Texas 2 $ 184,000 $ 92,000 $ 66,000
Ellis, Texas 2 $ 201,000 $ 100,500 $ 46,000
Harris, Texas 2 $ 213,000 $ 106,500 $ 50,000
Hays, Texas 2 $ 319,000 $ 159,500 $ 53,000
Parker, Texas 2 $ 251,000 $ 125,500 $ 51,000
Fairfax, Virginia 2 $ 534,000 $ 267,000 $ 117,000
King, Washington 2 $ 496,000 $ 248,000 $ 68,000
Barbour, Alabama 1 $ 86,000 $ 86,000 $ 36,000
Chilton, Alabama 1 $ 153,000 $ 153,000 $ 48,000
Coffee, Alabama 1 $ 94,000 $ 94,000 $ 62,000
Henry, Alabama 1 $ 98,000 $ 98,000 $ 23,000
Montgomery, Alabama 1 $ 250,000 $ 250,000 $ 69,000
St. Clair, Alabama 1 $ 112,000 $ 112,000 $ 48,000
Talladega, Alabama 1 $ 79,000 $ 79,000 $ 81,000
Anchorage, Alaska 1 $ 248,000 $ 248,000 $ 300,000
Southeast Fairbanks, Alaska 1 $ 129,000 $ 129,000 $ 91,000
Pima, Arizona 1 $ 194,000 $ 194,000 $ 80,000
Bradley, Arkansas 1 $ 79,000 $ 79,000 $ 41,000
Garland, Arkansas 1 $ 145,000 $ 145,000 $ 47,000
Pulaski, Arkansas 1 $ 91,000 $ 91,000 $ 33,000
Humboldt, California 1 $ 156,000 $ 156,000 $ 0
San Diego, California 1 $ 480,000 $ 480,000 $ 0
Santa Clara, California 1 $ 352,000 $ 352,000 $ 0
Santa Cruz, California 1 $ 360,000 $ 360,000 $ 0
New Haven, Connecticut 1 $ 176,000 $ 176,000 $ 73,000
Tolland, Connecticut 1 $ 113,000 $ 113,000 $ 36,000
Bradford, Florida 1 $ 149,000 $ 149,000 $ 0
Clay, Florida 1 $ 120,000 $ 120,000 $ 65,000
Highlands, Florida 1 $ 96,000 $ 96,000 $ 48,000
Martin, Florida 1 $ 148,000 $ 148,000 $ 130,000
Sarasota, Florida 1 $ 155,000 $ 155,000 $ 46,000
Chattahoochee, Georgia 1 $ 125,000 $ 125,000 $ 54,000
Cobb, Georgia 1 $ 61,000 $ 61,000 $ 18,000
DeKalb, Georgia 1 $ 99,000 $ 99,000 $ 0
Gordon, Georgia 1 $ 56,000 $ 56,000 $ 37,000
Richmond, Georgia 1 $ 189,000 $ 189,000 $ 59,000
Upson, Georgia 1 $ 80,000 $ 80,000 $ 54,000
Kane, Illinois 1 $ 214,000 $ 214,000 $ 113,000
Lake, Illinois 1 $ 279,000 $ 279,000 $ 110,000
St. Clair, Illinois 1 $ 153,000 $ 153,000 $ 70,000
Vermilion, Illinois 1 $ 112,000 $ 112,000 $ 38,000
Will, Illinois 1 $ 348,000 $ 348,000 $ 281,000
Clark, Indiana 1 $ 139,000 $ 139,000 $ 64,000
Floyd, Indiana 1 $ 275,000 $ 275,000 $ 152,000
Marion, Indiana 1 $ 144,000 $ 144,000 $ 91,000
Mills, Iowa 1 $ 156,000 $ 156,000 $ 55,000
Polk, Iowa 1 $ 93,000 $ 93,000 $ 53,000
Woodbury, Iowa 1 $ 82,000 $ 82,000 $ 126,000
Johnson, Kansas 1 $ 125,000 $ 125,000 $ 50,000
Riley, Kansas 1 $ 194,000 $ 194,000 $ 0
Hardin, Kentucky 1 $ 145,000 $ 145,000 $ 0
Acadia, Louisiana 1 $ 91,000 $ 91,000 $ 70,000
Bossier, Louisiana 1 $ 139,000 $ 139,000 $ 107,000
St. John the Baptist, Louisiana 1 $ 136,000 $ 136,000 $ 0
Harford, Maryland 1 $ 197,000 $ 197,000 $ 49,000
Montgomery, Maryland 1 $ 87,000 $ 87,000 $ 50,000
Prince George's, Maryland 1 $ 142,000 $ 142,000 $ 52,000
Hampden, Massachusetts 1 $ 125,000 $ 125,000 $ 0
Plymouth, Massachusetts 1 $ 260,000 $ 260,000 $ 0
Carlton, Minnesota 1 $ 139,000 $ 139,000 $ 0
Hennepin, Minnesota 1 $ 275,000 $ 275,000 $ 71,000
DeSoto, Mississippi 1 $ 186,000 $ 186,000 $ 49,000
Harrison, Mississippi 1 $ 117,000 $ 117,000 $ 46,000
Park, Montana 1 $ 131,000 $ 131,000 $ 87,000
Douglas, Nevada 1 $ 350,000 $ 350,000 $ 66,000
Belknap, New Hampshire 1 $ 170,000 $ 170,000 $ 64,000
Essex, New Jersey 1 $ 151,000 $ 151,000 $ 61,000
Middlesex, New Jersey 1 $ 281,000 $ 281,000 $ 97,000
Curry, New Mexico 1 $ 70,000 $ 70,000 $ 26,000
Dona Ana, New Mexico 1 $ 147,000 $ 147,000 $ 36,000
Cortland, New York 1 $ 104,000 $ 104,000 $ 61,000
Saratoga, New York 1 $ 235,000 $ 235,000 $ 85,000
Cleveland, North Carolina 1 $ 94,000 $ 94,000 $ 48,000
Pasquotank, North Carolina 1 $ 231,000 $ 231,000 $ 88,000
Union, North Carolina 1 $ 55,000 $ 55,000 $ 38,000
Vance, North Carolina 1 $ 85,000 $ 85,000 $ 0
Ward, North Dakota 1 $ 158,000 $ 158,000 $ 61,000
Clermont, Ohio 1 $ 107,000 $ 107,000 $ 31,000
Delaware, Ohio 1 $ 110,000 $ 110,000 $ 84,000
Hamilton, Ohio 1 $ 146,000 $ 146,000 $ 0
Lawrence, Ohio 1 $ 41,000 $ 41,000 $ 148,000
Lorain, Ohio 1 $ 62,000 $ 62,000 $ 33,000
Portage, Ohio 1 $ 135,000 $ 135,000 $ 85,000
Oklahoma, Oklahoma 1 $ 80,000 $ 80,000 $ 28,000
Multnomah, Oregon 1 $ 136,000 $ 136,000 $ 73,000
Delaware, Pennsylvania 1 $ 327,000 $ 327,000 $ 97,000
Monroe, Pennsylvania 1 $ 238,000 $ 238,000 $ 58,000
Northampton, Pennsylvania 1 $ 171,000 $ 171,000 $ 61,000
Philadelphia, Pennsylvania 1 $ 117,000 $ 117,000 $ 51,000
Hanson, South Dakota 1 $ 64,000 $ 64,000 $ 42,000
Walworth, South Dakota 1 $ 110,000 $ 110,000 $ 28,000
Lauderdale, Tennessee 1 $ 38,000 $ 38,000 $ 33,000
Monroe, Tennessee 1 $ 60,000 $ 60,000 $ 32,000
Sevier, Tennessee 1 $ 90,000 $ 90,000 $ 27,000
Bee, Texas 1 $ 96,000 $ 96,000 $ 59,000
Clay, Texas 1 $ 57,000 $ 57,000 $ 32,000
Comal, Texas 1 $ 120,000 $ 120,000 $ 57,000
Eastland, Texas 1 $ 41,000 $ 41,000 $ 29,000
Ector, Texas 1 $ 79,000 $ 79,000 $ 45,000
Fort Bend, Texas 1 $ 119,000 $ 119,000 $ 82,000
Gregg, Texas 1 $ 118,000 $ 118,000 $ 59,000
Hidalgo, Texas 1 $ 214,000 $ 214,000 $ 89,000
Hood, Texas 1 $ 71,000 $ 71,000 $ 41,000
Jackson, Texas 1 $ 42,000 $ 42,000 $ 27,000
Jasper, Texas 1 $ 72,000 $ 72,000 $ 28,000
Leon, Texas 1 $ 57,000 $ 57,000 $ 82,000
Liberty, Texas 1 $ 26,000 $ 26,000 $ 58,000
Madison, Texas 1 $ 69,000 $ 69,000 $ 44,000
McLennan, Texas 1 $ 57,000 $ 57,000 $ 39,000
Montgomery, Texas 1 $ 211,000 $ 211,000 $ 114,000
Rains, Texas 1 $ 57,000 $ 57,000 $ 73,000
Titus, Texas 1 $ 148,000 $ 148,000 $ 54,000
Washington, Texas 1 $ 101,000 $ 101,000 $ 46,000
Wise, Texas 1 $ 98,000 $ 98,000 $ 35,000
Beaver, Utah 1 $ 70,000 $ 70,000 $ 70,000
Chesapeake, Virginia 1 $ 87,000 $ 87,000 $ 37,000
Cumberland, Virginia 1 $ 94,000 $ 94,000 $ 24,000
Loudoun, Virginia 1 $ 346,000 $ 346,000 $ 0
Norfolk, Virginia 1 $ 70,000 $ 70,000 $ 36,000
Radford, Virginia 1 $ 131,000 $ 131,000 $ 0
Rockingham, Virginia 1 $ 199,000 $ 199,000 $ 0
Clark, Washington 1 $ 193,000 $ 193,000 $ 60,000
Teton, Wyoming 1 $ 335,000 $ 335,000 $ 286,000

Mortgage Loan Application Detail Totals for First Star Bank, S.S.B. in 2005

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 738 $102,362,000 $175,500 $999,000 $71,722 $841,000
Refinancing 320 $48,421,000 $187,172 $1,000,000 $65,551 $360,000
Home Improvement 14 $665,000 $47,000 $160,000 $123,000 $240,000

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
Not applicable 976 $144,932,000 $175,075 $1,000,000 $70,200 $841,000
White 83 $5,999,000 $72,000 $302,000 $93,000 $240,000
Hispanic 7 $180,000 $25,000 $34,000 $44,000 $72,000
Black or African American 4 $87,000 $21,000 $37,000 $17,000 $25,000
Not Provided 1 $82,000 $82,000 $82,000 $208,000 $208,000
American Indian or Alaskan Native 1 $168,000 $168,000 $168,000 $40,000 $40,000
Asian 0 $0 $0 $0 $0 $0
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
FHA-insured (Federal Housing Administration) 473 $56,522,000 $152,727 $480,000 $36,000 $114,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 458 $71,027,000 $190,760 $1,000,000 $95,640 $841,000
VA-guaranteed (Veterans Administration) 141 $23,899,000 $162,161 $360,000 $46,451 $150,000
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 975 $144,995,000 $175,075 $1,000,000 $70,125 $841,000
Loan Originated 87 $5,958,000 $68,000 $302,000 $101,000 $240,000
Application Denied By Financial Institution 9 $490,000 $54,000 $220,000 $44,000 $132,000
Application Withdrawn By Applicant 1 $5,000 $5,000 $5,000 $50,000 $50,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Star Bank, S.S.B.'s 2005 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 Star Bank, S.S.B.'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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