Houston Community Bank, N.A. Mortgage Lending & HMDA Data, 2006
In 2006, Houston Community Bank, N.A. of Houston, TX reported 84 mortgage applications totaling $4.1 million, down 13% from 2005. The average application was for $48,226, and applicants reported an average income of $91,916. 48% of its applications resulted in an originated loan and 49% were denied. Its largest market was Houston-Sugar Land-Baytown, TX (80).
| Mortgage Company & Address | Houston Community Bank, N.A. 11390 Veterans Memorial Drive Houston, TX 77067 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 84 |
| Total Mortgage Loan Application Amount | $4,051,000 |
| Average Mortgage Loan Application Amount | $48,226 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $91,916 |
| Highest Applicant Income | $878,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Houston Community Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Houston Community Bank, N.A. in 2006
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 | 59 | $1,189,000 | $20,000 | $65,000 | $85,000 | $226,000 |
| Home Purchase | 14 | $2,141,000 | $152,000 | $455,000 | $143,000 | $878,000 |
| Refinancing | 11 | $721,000 | $65,000 | $200,000 | $64,000 | $252,000 |
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 | 44 | $2,044,000 | $46,000 | $455,000 | $116,000 | $878,000 |
| Hispanic | 18 | $1,154,000 | $64,000 | $196,000 | $68,000 | $174,000 |
| Black or African American | 16 | $466,000 | $29,000 | $86,000 | $70,000 | $226,000 |
| Not Provided | 3 | $39,000 | $13,000 | $18,000 | $61,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $19,000 | $19,000 | $19,000 | $78,000 | $78,000 |
| Not applicable | 1 | $315,000 | $315,000 | $315,000 | $0 | $0 |
| Asian | 1 | $14,000 | $14,000 | $14,000 | $30,000 | $30,000 |
| 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) | 84 | $4,051,000 | $48,000 | $455,000 | $92,000 | $878,000 |
| 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 | 41 | $1,419,000 | $34,000 | $196,000 | $73,000 | $226,000 |
| Loan Originated | 40 | $2,592,000 | $64,000 | $455,000 | $115,000 | $878,000 |
| Application Approved But Not Accepted | 3 | $40,000 | $13,000 | $18,000 | $55,000 | $75,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 23 | $890,000 | $38,000 | $196,000 | $64,000 | $148,000 |
| Collateral | 17 | $483,000 | $28,000 | $105,000 | $87,000 | $226,000 |
| Employment History | 1 | $46,000 | $46,000 | $46,000 | $32,000 | $32,000 |
| 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Houston Community Bank, N.A.'s 2006 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 Houston Community Bank, N.A.'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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