First State Bank Central Texas Mortgage Lending & HMDA Data, 2012
In 2012, First State Bank Central Texas of Temple, TX reported 204 mortgage applications totaling $34.2 million, up 5% from 2011. The average application was for $167,421, and applicants reported an average income of $104,666. 80% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Killeen-Temple-Fort Hood, TX (100), Austin-Round Rock-San Marcos, TX (44) and College Station-Bryan, TX (2) (applications in parentheses).
| Mortgage Company & Address | First State Bank Central Texas P. O. Box 6136 Temple, TX 76503 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 204 |
| Total Mortgage Loan Application Amount | $34,154,000 |
| Average Mortgage Loan Application Amount | $167,421 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $104,666 |
| Highest Applicant Income | $1,139,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First State Bank Central Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bell, Texas | 93 | $ 17,957,000 | $ 193,086 | $ 120,000 |
| Travis, Texas | 26 | $ 5,138,000 | $ 197,615 | $ 115,000 |
| Williamson, Texas | 15 | $ 2,542,000 | $ 169,466 | $ 93,000 |
| Hamilton, Texas | 14 | $ 1,257,000 | $ 89,785 | $ 119,000 |
| Llano, Texas | 11 | $ 982,000 | $ 89,272 | $ 55,000 |
| Burnet, Texas | 7 | $ 1,207,000 | $ 172,428 | $ 83,000 |
| Falls, Texas | 5 | $ 385,000 | $ 77,000 | $ 67,000 |
| Lampasas, Texas | 5 | $ 517,000 | $ 103,400 | $ 83,000 |
| Mason, Texas | 3 | $ 187,000 | $ 62,333 | $ 58,000 |
| Brazos, Texas | 2 | $ 190,000 | $ 95,000 | $ 78,000 |
| Coryell, Texas | 2 | $ 201,000 | $ 100,500 | $ 125,000 |
| Hays, Texas | 2 | $ 409,000 | $ 204,500 | $ 0 |
| Milam, Texas | 2 | $ 122,000 | $ 61,000 | $ 89,000 |
| Mills, Texas | 2 | $ 117,000 | $ 58,500 | $ 83,000 |
| Tarrant, Texas | 2 | $ 216,000 | $ 108,000 | $ 41,000 |
| Lincoln, New Mexico | 1 | $ 284,000 | $ 284,000 | $ 170,000 |
| Bastrop, Texas | 1 | $ 216,000 | $ 216,000 | $ 140,000 |
| Brown, Texas | 1 | $ 31,000 | $ 31,000 | $ 100,000 |
| Dallas, Texas | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Erath, Texas | 1 | $ 172,000 | $ 172,000 | $ 65,000 |
| Guadalupe, Texas | 1 | $ 160,000 | $ 160,000 | $ 83,000 |
| Harris, Texas | 1 | $ 244,000 | $ 244,000 | $ 76,000 |
| Kimble, Texas | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| Leon, Texas | 1 | $ 157,000 | $ 157,000 | $ 156,000 |
| McLennan, Texas | 1 | $ 945,000 | $ 945,000 | $ 303,000 |
| San Patricio, Texas | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for First State Bank Central Texas in 2012
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 | 127 | $20,015,000 | $157,000 | $532,000 | $90,000 | $613,000 |
| Refinancing | 71 | $13,209,000 | $186,000 | $1,200,000 | $128,000 | $1,139,000 |
| Home Improvement | 6 | $930,000 | $155,000 | $560,000 | $139,000 | $330,000 |
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 | 128 | $21,315,000 | $166,000 | $615,000 | $128,000 | $1,139,000 |
| Not applicable | 29 | $5,034,000 | $173,000 | $1,200,000 | $0 | $0 |
| Not Provided | 22 | $3,662,000 | $166,000 | $945,000 | $152,000 | $657,000 |
| Hispanic | 13 | $2,041,000 | $157,000 | $300,000 | $60,000 | $103,000 |
| Black or African American | 9 | $1,630,000 | $181,000 | $293,000 | $84,000 | $216,000 |
| Asian | 2 | $294,000 | $147,000 | $150,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $178,000 | $178,000 | $178,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 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) | 159 | $26,687,000 | $167,000 | $1,200,000 | $114,000 | $1,139,000 |
| VA-guaranteed (Veterans Administration) | 43 | $7,192,000 | $167,000 | $405,000 | $74,000 | $157,000 |
| FHA-insured (Federal Housing Administration) | 2 | $275,000 | $137,000 | $157,000 | $65,000 | $66,000 |
| 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 Originated | 164 | $26,295,000 | $160,000 | $1,200,000 | $101,000 | $885,000 |
| Application Denied By Financial Institution | 28 | $5,316,000 | $189,000 | $615,000 | $128,000 | $1,139,000 |
| Application Withdrawn By Applicant | 6 | $1,003,000 | $167,000 | $331,000 | $111,000 | $226,000 |
| Application Approved But Not Accepted | 2 | $192,000 | $96,000 | $100,000 | $56,000 | $71,000 |
| Loan Purchased By The Institution | 2 | $1,102,000 | $551,000 | $945,000 | $181,000 | $303,000 |
| Preapproval Approved but not Accepted | 1 | $146,000 | $146,000 | $146,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 1 | $100,000 | $100,000 | $100,000 | $37,000 | $37,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 13 | $2,369,000 | $182,000 | $400,000 | $54,000 | $137,000 |
| Collateral | 9 | $1,295,000 | $143,000 | $560,000 | $118,000 | $302,000 |
| Other | 3 | $597,000 | $199,000 | $352,000 | $142,000 | $253,000 |
| Employment History | 2 | $340,000 | $170,000 | $214,000 | $103,000 | $156,000 |
| Credit Application Incomplete | 1 | $200,000 | $200,000 | $200,000 | $103,000 | $103,000 |
| Credit History | 1 | $615,000 | $615,000 | $615,000 | $1,139,000 | $1,139,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First State Bank Central Texas's 2012 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 State Bank Central Texas'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.
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