Fort Hood National Bank Mortgage Lending & HMDA Data, 2017
In 2017, Fort Hood National Bank of Fort Hood, TX reported 13 mortgage applications totaling $2.1 million, up 8% from 2016. The average application was for $164,846, and applicants reported an average income of $67,461. 31% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Killeen-Temple, TX (6), Chicago-Naperville-Arlington Heights, IL (1) and Dallas-Plano-Irving, TX (1) (applications in parentheses).
| Mortgage Company & Address | Fort Hood National Bank Building 50005 Clear Creek Fort Hood, TX 76544 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 13 |
| Total Mortgage Loan Application Amount | $2,143,000 |
| Average Mortgage Loan Application Amount | $164,846 |
| Highest Mortgage Loan Application Amount | $710,000 |
| Average Applicant Income | $67,461 |
| Highest Applicant Income | $288,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fort Hood National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Killeen-Temple, TX | 6 | $ 402,000 | $ 67,000 | $ 102,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 10,000 | $ 10,000 | $ 120,000 |
| Dallas-Plano-Irving, TX | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Greensboro-High Point, NC | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 710,000 | $ 710,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fort Hood National Bank in 2017
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 | 8 | $284,000 | $35,000 | $79,000 | $74,000 | $120,000 |
| Home Purchase | 5 | $1,859,000 | $371,000 | $710,000 | $57,000 | $288,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Black or African American | 4 | $179,000 | $44,000 | $79,000 | $92,000 | $120,000 |
| Not applicable | 4 | $1,656,000 | $414,000 | $710,000 | $0 | $0 |
| White | 3 | $233,000 | $77,000 | $203,000 | $122,000 | $288,000 |
| Hispanic | 2 | $75,000 | $37,000 | $55,000 | $72,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 13 | $2,143,000 | $164,000 | $710,000 | $67,000 | $288,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 4 | $60,000 | $15,000 | $20,000 | $58,000 | $120,000 |
| Loan Originated | 4 | $357,000 | $89,000 | $203,000 | $154,000 | $288,000 |
| Loan Purchased By The Institution | 4 | $1,656,000 | $414,000 | $710,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $70,000 | $70,000 | $70,000 | $29,000 | $29,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 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 | 3 | $50,000 | $16,000 | $20,000 | $60,000 | $120,000 |
| Employment History | 1 | $10,000 | $10,000 | $10,000 | $55,000 | $55,000 |
| 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 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fort Hood National Bank's 2017 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 Fort Hood National Bank'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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