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(HMDA) records First Star Bank, S.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 85 | $ 9,703,000 | $ 114,152 | $ 69,000 |
| Austin-Round Rock, TX | 82 | $ 10,601,000 | $ 129,280 | $ 90,000 |
| College Station-Bryan, TX | 75 | $ 4,264,000 | $ 56,853 | $ 56,000 |
| St. Louis, MO-IL | 68 | $ 10,538,000 | $ 154,970 | $ 91,000 |
| Fort Worth-Arlington, TX | 53 | $ 5,715,000 | $ 107,830 | $ 39,000 |
| Las Vegas-Paradise, NV | 47 | $ 9,206,000 | $ 195,872 | $ 61,000 |
| Birmingham-Hoover, AL | 30 | $ 4,519,000 | $ 150,633 | $ 62,000 |
| Dothan, AL | 28 | $ 2,965,000 | $ 105,892 | $ 61,000 |
| Chicago-Naperville-Joliet, IL | 24 | $ 5,545,000 | $ 231,041 | $ 124,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 19 | $ 6,300,000 | $ 331,578 | $ 132,000 |
| San Antonio, TX | 15 | $ 1,478,000 | $ 98,533 | $ 45,000 |
| Victoria, TX | 14 | $ 1,275,000 | $ 91,071 | $ 44,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 2,004,000 | $ 222,666 | $ 57,000 |
| Louisville, KY-IN | 9 | $ 1,282,000 | $ 142,444 | $ 53,000 |
| Tuscaloosa, AL | 8 | $ 1,110,000 | $ 138,750 | $ 66,000 |
| Atlanta-Sandy Springs-Marietta, GA | 7 | $ 1,002,000 | $ 143,142 | $ 32,000 |
| El Paso, TX | 7 | $ 508,000 | $ 72,571 | $ 14,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 1,189,000 | $ 169,857 | $ 86,000 |
| Sherman-Denison, TX | 6 | $ 526,000 | $ 87,666 | $ 43,000 |
| Boulder, CO | 5 | $ 2,766,000 | $ 553,200 | $ 174,000 |
| Houston-Baytown-Sugar Land, TX | 5 | $ 569,000 | $ 113,800 | $ 76,000 |
| Jacksonville, FL | 5 | $ 775,000 | $ 155,000 | $ 49,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 696,000 | $ 139,200 | $ 195,000 |
| Naples-Marco Island, FL | 5 | $ 942,000 | $ 188,400 | $ 51,000 |
| Raleigh-Cary, NC | 5 | $ 908,000 | $ 181,600 | $ 37,000 |
| Camden, NJ | 4 | $ 841,000 | $ 210,250 | $ 61,000 |
| Charlotte-Gastonia-Concord, NC-SC | 4 | $ 676,000 | $ 169,000 | $ 30,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 2,016,000 | $ 504,000 | $ 77,000 |
| Philadelphia, PA | 4 | $ 950,000 | $ 237,500 | $ 71,000 |
| Wichita Falls, TX | 4 | $ 259,000 | $ 64,750 | $ 38,000 |
| Bremerton-Silverdale, WA | 3 | $ 678,000 | $ 226,000 | $ 67,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 955,000 | $ 318,333 | $ 63,000 |
| Orlando, FL | 3 | $ 185,000 | $ 61,666 | $ 62,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 399,000 | $ 133,000 | $ 99,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 253,000 | $ 126,500 | $ 15,000 |
| Corpus Christi, TX | 2 | $ 135,000 | $ 67,500 | $ 42,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 190,000 | $ 95,000 | $ 78,000 |
| Fayetteville, NC | 2 | $ 341,000 | $ 170,500 | $ 74,000 |
| Lexington-Fayette, KY | 2 | $ 292,000 | $ 146,000 | $ 59,000 |
| Memphis, TN-MS-AR | 2 | $ 347,000 | $ 173,500 | $ 157,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 465,000 | $ 232,500 | $ 223,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 461,000 | $ 230,500 | $ 71,000 |
| Reno-Sparks, NV | 2 | $ 596,000 | $ 298,000 | $ 101,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 496,000 | $ 248,000 | $ 68,000 |
| Tallahassee, FL | 2 | $ 278,000 | $ 139,000 | $ 72,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 157,000 | $ 78,500 | $ 36,000 |
| Akron, OH | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 235,000 | $ 235,000 | $ 85,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 171,000 | $ 171,000 | $ 61,000 |
| Anchorage, AK | 1 | $ 248,000 | $ 248,000 | $ 300,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 189,000 | $ 189,000 | $ 59,000 |
| Baltimore-Towson, MD | 1 | $ 197,000 | $ 197,000 | $ 49,000 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 87,000 | $ 87,000 | $ 50,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Boston-Quincy, MA | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 62,000 | $ 62,000 | $ 33,000 |
| Columbus, GA-AL | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Columbus, OH | 1 | $ 110,000 | $ 110,000 | $ 84,000 |
| Danville, IL | 1 | $ 112,000 | $ 112,000 | $ 38,000 |
| Des Moines, IA | 1 | $ 93,000 | $ 93,000 | $ 53,000 |
| Duluth, MN-WI | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Edison, NJ | 1 | $ 281,000 | $ 281,000 | $ 97,000 |
| Elizabethtown, KY | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 117,000 | $ 117,000 | $ 46,000 |
| Harrisonburg, VA | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 113,000 | $ 113,000 | $ 36,000 |
| Hot Springs, AR | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Indianapolis, IN | 1 | $ 144,000 | $ 144,000 | $ 91,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 279,000 | $ 279,000 | $ 110,000 |
| Las Cruces, NM | 1 | $ 147,000 | $ 147,000 | $ 36,000 |
| Little Rock-North Little Rock, AR | 1 | $ 91,000 | $ 91,000 | $ 33,000 |
| Longview, TX | 1 | $ 118,000 | $ 118,000 | $ 59,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 214,000 | $ 214,000 | $ 89,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 275,000 | $ 275,000 | $ 71,000 |
| Montgomery, AL | 1 | $ 250,000 | $ 250,000 | $ 69,000 |
| New Haven-Milford, CT | 1 | $ 176,000 | $ 176,000 | $ 73,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Newark-Union, NJ-PA | 1 | $ 151,000 | $ 151,000 | $ 61,000 |
| Odessa, TX | 1 | $ 79,000 | $ 79,000 | $ 45,000 |
| Oklahoma City, OK | 1 | $ 80,000 | $ 80,000 | $ 28,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 136,000 | $ 136,000 | $ 73,000 |
| Richmond, VA | 1 | $ 94,000 | $ 94,000 | $ 24,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 480,000 | $ 480,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 352,000 | $ 352,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Shreveport-Bossier City, LA | 1 | $ 139,000 | $ 139,000 | $ 107,000 |
| Sioux City, IA-NE-SD | 1 | $ 82,000 | $ 82,000 | $ 126,000 |
| Springfield, MA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Tucson, AZ | 1 | $ 194,000 | $ 194,000 | $ 80,000 |
| Waco, TX | 1 | $ 57,000 | $ 57,000 | $ 39,000 |
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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