First Texas Bank-Round Rock Mortgage Lending & HMDA Data, 2005
In 2005, First Texas Bank-Round Rock of Round Rock, TX reported 38 mortgage applications totaling $2.3 million, down 31% from 2004. The average application was for $61,131, and applicants reported an average income of $99,868. 63% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Austin-Round Rock, TX (35) and Killeen-Temple-Fort Hood, TX (1).
| Mortgage Company & Address | First Texas Bank-Round Rock 500 Round Rock Ave. Round Rock, TX 78664 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 38 |
| Total Mortgage Loan Application Amount | $2,323,000 |
| Average Mortgage Loan Application Amount | $61,131 |
| Highest Mortgage Loan Application Amount | $423,000 |
| Average Applicant Income | $99,868 |
| Highest Applicant Income | $649,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Texas Bank-Round Rock filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for First Texas Bank-Round Rock 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 Improvement | 25 | $736,000 | $29,000 | $100,000 | $88,000 | $284,000 |
| Home Purchase | 10 | $1,301,000 | $130,000 | $423,000 | $146,000 | $649,000 |
| Refinancing | 3 | $286,000 | $95,000 | $136,000 | $45,000 | $70,000 |
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 | 34 | $2,094,000 | $61,000 | $423,000 | $112,000 | $649,000 |
| Not applicable | 1 | $84,000 | $84,000 | $84,000 | $66,000 | $66,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $124,000 | $124,000 |
| Asian | 1 | $5,000 | $5,000 | $5,000 | $53,000 | $53,000 |
| Hispanic | 1 | $45,000 | $45,000 | $45,000 | $25,000 | $25,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 38 | $2,323,000 | $61,000 | $423,000 | $104,000 | $649,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 24 | $1,058,000 | $44,000 | $198,000 | $132,000 | $649,000 |
| Application Denied By Financial Institution | 9 | $582,000 | $64,000 | $225,000 | $77,000 | $284,000 |
| Application Withdrawn By Applicant | 3 | $517,000 | $172,000 | $423,000 | $103,000 | $113,000 |
| Application Approved But Not Accepted | 2 | $166,000 | $83,000 | $136,000 | $65,000 | $70,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $342,000 | $68,000 | $225,000 | $38,000 | $68,000 |
| Debt-To-Income Ratio | 1 | $70,000 | $70,000 | $70,000 | $75,000 | $75,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $33,000 | $33,000 |
| Collateral | 1 | $40,000 | $40,000 | $40,000 | $74,000 | $74,000 |
| Other | 1 | $80,000 | $80,000 | $80,000 | $284,000 | $284,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 Texas Bank-Round Rock'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 Texas Bank-Round Rock'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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