Austin Capital Bank SSB Mortgage Lending & HMDA Data, 2021

In 2021, Austin Capital Bank SSB of Austin, TX reported 2,857 mortgage applications totaling $759.7 million, up 7% from 2020. The average application was for $265,906, and applicants reported an average income of $87,225. 63% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Austin-Round Rock, TX (352), Nashville-Davidson--Murfreesboro--Franklin, TN (279) and Phoenix-Mesa-Scottsdale, AZ (173) (applications in parentheses).

Mortgage Company & Address Austin Capital Bank SSB
8100 Shoal Creek Blvd
Austin, TX 78757
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2010  2009  
Total Number of Mortgage Applications 2,857
Total Mortgage Loan Application Amount $759,695,000
Average Mortgage Loan Application Amount $265,906
Highest Mortgage Loan Application Amount $1,645,000
Average Applicant Income $87,225
Highest Applicant Income $4,011,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Austin Capital Bank SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Austin Capital Bank SSB by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Williamson, Texas 177 $ 55,495,000 $ 313,531 $ 113,000
Maricopa, Arizona 164 $ 43,690,000 $ 266,402 $ 65,000
Travis, Texas 135 $ 48,645,000 $ 360,333 $ 128,000
Clark, Nevada 112 $ 32,430,000 $ 289,553 $ 76,000
Sumner, Tennessee 106 $ 30,240,000 $ 285,283 $ 89,000
Bexar, Texas 88 $ 22,210,000 $ 252,386 $ 76,000
Harris, Texas 88 $ 20,100,000 $ 228,409 $ 79,000
Davidson, Tennessee 74 $ 19,080,000 $ 257,837 $ 81,000
Hillsborough, Florida 72 $ 23,990,000 $ 333,194 $ 91,000
Dallas, Texas 63 $ 14,375,000 $ 228,174 $ 123,000
Grays Harbor, Washington 48 $ 10,540,000 $ 219,583 $ 89,000
Utah, Utah 43 $ 13,115,000 $ 305,000 $ 73,000
King, Washington 40 $ 18,000,000 $ 450,000 $ 127,000
Salt Lake, Utah 36 $ 12,450,000 $ 345,833 $ 88,000
Tarrant, Texas 35 $ 8,825,000 $ 252,142 $ 86,000
Comal, Texas 32 $ 9,900,000 $ 309,375 $ 94,000
Wilson, Tennessee 29 $ 6,915,000 $ 238,448 $ 86,000
Fort Bend, Texas 28 $ 6,980,000 $ 249,285 $ 76,000
Robertson, Tennessee 26 $ 7,360,000 $ 283,076 $ 73,000
Duval, Florida 23 $ 7,155,000 $ 311,086 $ 96,000
Collin, Texas 23 $ 7,015,000 $ 305,000 $ 93,000
Pierce, Washington 23 $ 8,635,000 $ 375,434 $ 98,000
Wake, North Carolina 22 $ 4,800,000 $ 218,181 $ 104,000
Denton, Texas 20 $ 6,670,000 $ 333,500 $ 138,000
Bastrop, Texas 19 $ 6,075,000 $ 319,736 $ 93,000
Guadalupe, Texas 19 $ 5,475,000 $ 288,157 $ 81,000
Miami-Dade, Florida 18 $ 4,860,000 $ 270,000 $ 294,000
Pinellas, Florida 18 $ 5,120,000 $ 284,444 $ 132,000
Caddo, Louisiana 18 $ 4,040,000 $ 224,444 $ 76,000
Montgomery, Tennessee 18 $ 4,900,000 $ 272,222 $ 61,000
Bell, Texas 18 $ 4,000,000 $ 222,222 $ 105,000
Polk, Florida 17 $ 4,415,000 $ 259,705 $ 71,000
Hays, Texas 17 $ 4,725,000 $ 277,941 $ 123,000
Rutherford, Tennessee 16 $ 4,130,000 $ 258,125 $ 64,000
Cameron, Texas 16 $ 2,470,000 $ 154,375 $ 98,000
Bossier, Louisiana 15 $ 3,305,000 $ 220,333 $ 93,000
Montgomery, Texas 15 $ 5,375,000 $ 358,333 $ 100,000
Shelby, Tennessee 14 $ 3,040,000 $ 217,142 $ 81,000
Adams, Colorado 12 $ 3,810,000 $ 317,500 $ 50,000
Knox, Tennessee 12 $ 1,820,000 $ 151,666 $ 49,000
Snohomish, Washington 12 $ 4,450,000 $ 370,833 $ 118,000
Arapahoe, Colorado 11 $ 3,485,000 $ 316,818 $ 49,000
Pasco, Florida 11 $ 3,625,000 $ 329,545 $ 107,000
Nueces, Texas 11 $ 2,455,000 $ 223,181 $ 120,000
Marion, Indiana 10 $ 1,290,000 $ 129,000 $ 75,000
Lake, Ohio 10 $ 1,410,000 $ 141,000 $ 44,000
Davis, Utah 10 $ 2,810,000 $ 281,000 $ 58,000
Pinal, Arizona 9 $ 2,415,000 $ 268,333 $ 70,000
Los Angeles, California 9 $ 4,915,000 $ 546,111 $ 33,000
Broward, Florida 8 $ 1,600,000 $ 200,000 $ 67,000
Escambia, Florida 8 $ 1,180,000 $ 147,500 $ 66,000
St. Johns, Florida 8 $ 2,840,000 $ 355,000 $ 75,000
Forsyth, North Carolina 8 $ 1,640,000 $ 205,000 $ 70,000
York, Pennsylvania 8 $ 1,660,000 $ 207,500 $ 70,000
Williamson, Tennessee 8 $ 3,000,000 $ 375,000 $ 129,000
Burnet, Texas 8 $ 1,900,000 $ 237,500 $ 75,000
Denver, Colorado 7 $ 1,395,000 $ 199,285 $ 49,000
Charlotte, Florida 7 $ 1,445,000 $ 206,428 $ 96,000
Durham, North Carolina 7 $ 1,945,000 $ 277,857 $ 93,000
New Hanover, North Carolina 7 $ 1,625,000 $ 232,142 $ 64,000
Cheatham, Tennessee 7 $ 1,785,000 $ 255,000 $ 66,000
Hidalgo, Texas 7 $ 1,235,000 $ 176,428 $ 79,000
Kaufman, Texas 7 $ 2,315,000 $ 330,714 $ 101,000
Medina, Texas 7 $ 2,435,000 $ 347,857 $ 171,000
Washington, Utah 7 $ 1,645,000 $ 235,000 $ 104,000
Madison, Alabama 6 $ 1,560,000 $ 260,000 $ 146,000
Riverside, California 6 $ 2,580,000 $ 430,000 $ 62,000
Orange, Florida 6 $ 1,700,000 $ 283,333 $ 118,000
Brunswick, North Carolina 6 $ 1,690,000 $ 281,666 $ 110,000
Kitsap, Washington 6 $ 2,060,000 $ 343,333 $ 94,000
Thurston, Washington 6 $ 1,950,000 $ 325,000 $ 177,000
Mobile, Alabama 5 $ 885,000 $ 177,000 $ 79,000
El Paso, Colorado 5 $ 1,435,000 $ 287,000 $ 77,000
Bay, Florida 5 $ 1,055,000 $ 211,000 $ 68,000
Clay, Florida 5 $ 1,625,000 $ 325,000 $ 80,000
Marion, Florida 5 $ 945,000 $ 189,000 $ 246,000
Volusia, Florida 5 $ 935,000 $ 187,000 $ 53,000
Hamilton, Indiana 5 $ 1,575,000 $ 315,000 $ 195,000
Hancock, Indiana 5 $ 735,000 $ 147,000 $ 60,000
Hinds, Mississippi 5 $ 455,000 $ 91,000 $ 52,000
Jackson, Missouri 5 $ 1,205,000 $ 241,000 $ 102,000
Johnston, North Carolina 5 $ 1,075,000 $ 215,000 $ 60,000
Pender, North Carolina 5 $ 575,000 $ 115,000 $ 38,000
Cuyahoga, Ohio 5 $ 315,000 $ 63,000 $ 185,000
Lancaster, South Carolina 5 $ 1,055,000 $ 211,000 $ 41,000
Maury, Tennessee 5 $ 1,095,000 $ 219,000 $ 128,000
Galveston, Texas 5 $ 1,085,000 $ 217,000 $ 60,000
Johnson, Texas 5 $ 1,375,000 $ 275,000 $ 90,000
Weber, Utah 5 $ 995,000 $ 199,000 $ 82,000
Montgomery, Alabama 4 $ 1,060,000 $ 265,000 $ 135,000
Yavapai, Arizona 4 $ 600,000 $ 150,000 $ 57,000
Yuma, Arizona 4 $ 710,000 $ 177,500 $ 81,000
Lake, California 4 $ 1,280,000 $ 320,000 $ 122,000
San Bernardino, California 4 $ 1,350,000 $ 337,500 $ 101,000
Brevard, Florida 4 $ 760,000 $ 190,000 $ 113,000
Forsyth, Georgia 4 $ 1,250,000 $ 312,500 $ 159,000
Rush, Indiana 4 $ 690,000 $ 172,500 $ 102,000
Fayette, Kentucky 4 $ 730,000 $ 182,500 $ 79,000
Catawba, North Carolina 4 $ 1,030,000 $ 257,500 $ 32,000
Onslow, North Carolina 4 $ 650,000 $ 162,500 $ 36,000
Beaver, Pennsylvania 4 $ 340,000 $ 85,000 $ 39,000
Monroe, Pennsylvania 4 $ 770,000 $ 192,500 $ 61,000
Carroll, Tennessee 4 $ 330,000 $ 82,500 $ 38,000
Hickman, Tennessee 4 $ 400,000 $ 100,000 $ 68,000
Macon, Tennessee 4 $ 620,000 $ 155,000 $ 49,000
Atascosa, Texas 4 $ 580,000 $ 145,000 $ 42,000
Brazos, Texas 4 $ 850,000 $ 212,500 $ 48,000
Caldwell, Texas 4 $ 970,000 $ 242,500 $ 103,000
Ellis, Texas 4 $ 930,000 $ 232,500 $ 64,000
Henderson, Texas 4 $ 1,470,000 $ 367,500 $ 101,000
Sanpete, Utah 4 $ 770,000 $ 192,500 $ 31,000
Calhoun, Alabama 3 $ 245,000 $ 81,666 $ 41,000
Houston, Alabama 3 $ 415,000 $ 138,333 $ 25,000
Sacramento, California 3 $ 965,000 $ 321,666 $ 80,000
San Diego, California 3 $ 1,395,000 $ 465,000 $ 127,000
Sonoma, California 3 $ 1,225,000 $ 408,333 $ 106,000
Hartford, Connecticut 3 $ 765,000 $ 255,000 $ 13,000
Lee, Florida 3 $ 1,165,000 $ 388,333 $ 107,000
Nassau, Florida 3 $ 1,035,000 $ 345,000 $ 97,000
Okaloosa, Florida 3 $ 535,000 $ 178,333 $ 78,000
Osceola, Florida 3 $ 1,085,000 $ 361,666 $ 146,000
Cobb, Georgia 3 $ 905,000 $ 301,666 $ 146,000
Fulton, Georgia 3 $ 1,085,000 $ 361,666 $ 99,000
Muscogee, Georgia 3 $ 645,000 $ 215,000 $ 112,000
Honolulu, Hawaii 3 $ 1,965,000 $ 655,000 $ 131,000
Will, Illinois 3 $ 775,000 $ 258,333 $ 41,000
Shelby, Indiana 3 $ 495,000 $ 165,000 $ 76,000
Humboldt, Iowa 3 $ 415,000 $ 138,333 $ 18,000
Woodbury, Iowa 3 $ 345,000 $ 115,000 $ 15,000
McCracken, Kentucky 3 $ 315,000 $ 105,000 $ 107,000
Webster, Louisiana 3 $ 365,000 $ 121,666 $ 53,000
Gratiot, Michigan 3 $ 225,000 $ 75,000 $ 32,000
Wayne, Michigan 3 $ 355,000 $ 118,333 $ 158,000
Harrison, Mississippi 3 $ 605,000 $ 201,666 $ 84,000
Madison, Mississippi 3 $ 725,000 $ 241,666 $ 55,000
Dawson, Montana 3 $ 285,000 $ 95,000 $ 49,000
Gaston, North Carolina 3 $ 715,000 $ 238,333 $ 95,000
Mecklenburg, North Carolina 3 $ 525,000 $ 175,000 $ 68,000
Moore, North Carolina 3 $ 615,000 $ 205,000 $ 78,000
Nash, North Carolina 3 $ 555,000 $ 185,000 $ 32,000
Randolph, North Carolina 3 $ 345,000 $ 115,000 $ 39,000
Clermont, Ohio 3 $ 335,000 $ 111,666 $ 72,000
Fayette, Ohio 3 $ 345,000 $ 115,000 $ 59,000
Trumbull, Ohio 3 $ 245,000 $ 81,666 $ 23,000
Dauphin, Pennsylvania 3 $ 395,000 $ 131,666 $ 41,000
Aiken, South Carolina 3 $ 745,000 $ 248,333 $ 76,000
Bamberg, South Carolina 3 $ 255,000 $ 85,000 $ 61,000
Charleston, South Carolina 3 $ 975,000 $ 325,000 $ 73,000
Spartanburg, South Carolina 3 $ 375,000 $ 125,000 $ 53,000
York, South Carolina 3 $ 685,000 $ 228,333 $ 66,000
Bedford, Tennessee 3 $ 1,195,000 $ 398,333 $ 98,000
Hamilton, Tennessee 3 $ 865,000 $ 288,333 $ 70,000
Jackson, Tennessee 3 $ 955,000 $ 318,333 $ 91,000
Jefferson, Tennessee 3 $ 585,000 $ 195,000 $ 65,000
Putnam, Tennessee 3 $ 765,000 $ 255,000 $ 92,000
Bandera, Texas 3 $ 945,000 $ 315,000 $ 77,000
Jefferson, Texas 3 $ 935,000 $ 311,666 $ 97,000
Lampasas, Texas 3 $ 585,000 $ 195,000 $ 26,000
McLennan, Texas 3 $ 545,000 $ 181,666 $ 80,000
Parker, Texas 3 $ 1,205,000 $ 401,666 $ 0
Rockwall, Texas 3 $ 1,345,000 $ 448,333 $ 144,000
Wilson, Texas 3 $ 1,035,000 $ 345,000 $ 100,000
Grant, Washington 3 $ 495,000 $ 165,000 $ 9,000
Spokane, Washington 3 $ 1,065,000 $ 355,000 $ 61,000
DeKalb, Alabama 2 $ 90,000 $ 45,000 $ 37,000
Lee, Alabama 2 $ 400,000 $ 200,000 $ 60,000
Mohave, Arizona 2 $ 610,000 $ 305,000 $ 151,000
Pima, Arizona 2 $ 310,000 $ 155,000 $ 63,000
Benton, Arkansas 2 $ 850,000 $ 425,000 $ 128,000
Lincoln, Arkansas 2 $ 170,000 $ 85,000 $ 29,000
Fresno, California 2 $ 510,000 $ 255,000 $ 48,000
Kern, California 2 $ 350,000 $ 175,000 $ 49,000
Merced, California 2 $ 740,000 $ 370,000 $ 90,000
Orange, California 2 $ 1,260,000 $ 630,000 $ 50,000
Archuleta, Colorado 2 $ 760,000 $ 380,000 $ 138,000
Logan, Colorado 2 $ 290,000 $ 145,000 $ 70,000
Fairfield, Connecticut 2 $ 920,000 $ 460,000 $ 32,000
Collier, Florida 2 $ 450,000 $ 225,000 $ 109,000
Jefferson, Florida 2 $ 540,000 $ 270,000 $ 94,000
Palm Beach, Florida 2 $ 1,210,000 $ 605,000 $ 634,000
Santa Rosa, Florida 2 $ 340,000 $ 170,000 $ 66,000
Sarasota, Florida 2 $ 360,000 $ 180,000 $ 76,000
Seminole, Florida 2 $ 780,000 $ 390,000 $ 125,000
Suwannee, Florida 2 $ 290,000 $ 145,000 $ 15,000
Cherokee, Georgia 2 $ 640,000 $ 320,000 $ 214,000
Columbia, Georgia 2 $ 600,000 $ 300,000 $ 25,000
Glynn, Georgia 2 $ 380,000 $ 190,000 $ 51,000
McIntosh, Georgia 2 $ 320,000 $ 160,000 $ 31,000
DuPage, Illinois 2 $ 430,000 $ 215,000 $ 38,000
Kane, Illinois 2 $ 630,000 $ 315,000 $ 0
Lake, Indiana 2 $ 490,000 $ 245,000 $ 75,000
Randolph, Indiana 2 $ 490,000 $ 245,000 $ 23,000
White, Indiana 2 $ 120,000 $ 60,000 $ 0
Marshall, Kansas 2 $ 250,000 $ 125,000 $ 0
Monroe, Kentucky 2 $ 410,000 $ 205,000 $ 20,000
Avoyelles, Louisiana 2 $ 130,000 $ 65,000 $ 47,000
De Soto, Louisiana 2 $ 350,000 $ 175,000 $ 60,000
Dorchester, Maryland 2 $ 420,000 $ 210,000 $ 53,000
Frederick, Maryland 2 $ 340,000 $ 170,000 $ 0
Plymouth, Massachusetts 2 $ 710,000 $ 355,000 $ 112,000
Suffolk, Massachusetts 2 $ 530,000 $ 265,000 $ 87,000
Oakland, Michigan 2 $ 370,000 $ 185,000 $ 65,000
Ottawa, Michigan 2 $ 310,000 $ 155,000 $ 28,000
Dakota, Minnesota 2 $ 450,000 $ 225,000 $ 81,000
Faribault, Minnesota 2 $ 280,000 $ 140,000 $ 14,000
DeSoto, Mississippi 2 $ 640,000 $ 320,000 $ 103,000
Forrest, Mississippi 2 $ 350,000 $ 175,000 $ 51,000
Lafayette, Mississippi 2 $ 500,000 $ 250,000 $ 66,000
Lamar, Mississippi 2 $ 390,000 $ 195,000 $ 58,000
Pike, Mississippi 2 $ 210,000 $ 105,000 $ 16,000
Sunflower, Mississippi 2 $ 150,000 $ 75,000 $ 10,000
Yazoo, Mississippi 2 $ 210,000 $ 105,000 $ 19,000
Cheyenne, Nebraska 2 $ 170,000 $ 85,000 $ 65,000
Bernalillo, New Mexico 2 $ 290,000 $ 145,000 $ 34,000
Colfax, New Mexico 2 $ 510,000 $ 255,000 $ 362,000
Lincoln, New Mexico 2 $ 370,000 $ 185,000 $ 0
Alamance, North Carolina 2 $ 290,000 $ 145,000 $ 47,000
Beaufort, North Carolina 2 $ 250,000 $ 125,000 $ 63,000
Craven, North Carolina 2 $ 180,000 $ 90,000 $ 58,000
Cumberland, North Carolina 2 $ 250,000 $ 125,000 $ 70,000
Davidson, North Carolina 2 $ 440,000 $ 220,000 $ 84,000
Guilford, North Carolina 2 $ 260,000 $ 130,000 $ 70,000
Harnett, North Carolina 2 $ 460,000 $ 230,000 $ 32,000
Hoke, North Carolina 2 $ 240,000 $ 120,000 $ 13,000
Swain, North Carolina 2 $ 390,000 $ 195,000 $ 129,000
Wilson, North Carolina 2 $ 370,000 $ 185,000 $ 62,000
Franklin, Ohio 2 $ 410,000 $ 205,000 $ 0
Multnomah, Oregon 2 $ 890,000 $ 445,000 $ 129,000
Washington, Oregon 2 $ 700,000 $ 350,000 $ 41,000
Allegheny, Pennsylvania 2 $ 430,000 $ 215,000 $ 63,000
Berks, Pennsylvania 2 $ 460,000 $ 230,000 $ 24,000
Franklin, Pennsylvania 2 $ 440,000 $ 220,000 $ 142,000
Lackawanna, Pennsylvania 2 $ 450,000 $ 225,000 $ 312,000
Greenville, South Carolina 2 $ 400,000 $ 200,000 $ 75,000
Richland, South Carolina 2 $ 200,000 $ 100,000 $ 43,000
DeKalb, Tennessee 2 $ 100,000 $ 50,000 $ 33,000
Dickson, Tennessee 2 $ 620,000 $ 310,000 $ 90,000
Fayette, Tennessee 2 $ 420,000 $ 210,000 $ 75,000
Hamblen, Tennessee 2 $ 220,000 $ 110,000 $ 31,000
Sevier, Tennessee 2 $ 400,000 $ 200,000 $ 49,000
Smith, Tennessee 2 $ 170,000 $ 85,000 $ 41,000
Blanco, Texas 2 $ 670,000 $ 335,000 $ 25,000
Brazoria, Texas 2 $ 460,000 $ 230,000 $ 57,000
Coryell, Texas 2 $ 370,000 $ 185,000 $ 77,000
Freestone, Texas 2 $ 240,000 $ 120,000 $ 54,000
Grayson, Texas 2 $ 490,000 $ 245,000 $ 52,000
Kendall, Texas 2 $ 520,000 $ 260,000 $ 141,000
Kerr, Texas 2 $ 650,000 $ 325,000 $ 176,000
Llano, Texas 2 $ 940,000 $ 470,000 $ 125,000
Maverick, Texas 2 $ 670,000 $ 335,000 $ 38,000
Smith, Texas 2 $ 630,000 $ 315,000 $ 71,000
Upshur, Texas 2 $ 350,000 $ 175,000 $ 57,000
Van Zandt, Texas 2 $ 510,000 $ 255,000 $ 22,000
Walker, Texas 2 $ 380,000 $ 190,000 $ 52,000
Webb, Texas 2 $ 310,000 $ 155,000 $ 19,000
Wichita, Texas 2 $ 420,000 $ 210,000 $ 22,000
Wood, Texas 2 $ 460,000 $ 230,000 $ 71,000
Chesapeake, Virginia 2 $ 800,000 $ 400,000 $ 141,000
Westmoreland, Virginia 2 $ 410,000 $ 205,000 $ 0
Benton, Washington 2 $ 660,000 $ 330,000 $ 125,000
Clark, Washington 2 $ 530,000 $ 265,000 $ 92,000
Lewis, Washington 2 $ 570,000 $ 285,000 $ 166,000
Logan, West Virginia 2 $ 210,000 $ 105,000 $ 7,000
Baldwin, Alabama 1 $ 335,000 $ 335,000 $ 147,000
Cleburne, Alabama 1 $ 185,000 $ 185,000 $ 0
Covington, Alabama 1 $ 135,000 $ 135,000 $ 43,000
Cullman, Alabama 1 $ 135,000 $ 135,000 $ 51,000
Franklin, Alabama 1 $ 105,000 $ 105,000 $ 88,000
Hale, Alabama 1 $ 145,000 $ 145,000 $ 56,000
Jackson, Alabama 1 $ 115,000 $ 115,000 $ 33,000
Jefferson, Alabama 1 $ 155,000 $ 155,000 $ 60,000
Pike, Alabama 1 $ 75,000 $ 75,000 $ 39,000
Russell, Alabama 1 $ 545,000 $ 545,000 $ 74,000
Tuscaloosa, Alabama 1 $ 155,000 $ 155,000 $ 31,000
Walker, Alabama 1 $ 75,000 $ 75,000 $ 0
Cochise, Arizona 1 $ 45,000 $ 45,000 $ 0
Faulkner, Arkansas 1 $ 315,000 $ 315,000 $ 111,000
Izard, Arkansas 1 $ 155,000 $ 155,000 $ 55,000
Searcy, Arkansas 1 $ 45,000 $ 45,000 $ 17,000
White, Arkansas 1 $ 185,000 $ 185,000 $ 65,000
Butte, California 1 $ 475,000 $ 475,000 $ 92,000
Marin, California 1 $ 225,000 $ 225,000 $ 61,000
San Francisco, California 1 $ 825,000 $ 825,000 $ 215,000
San Mateo, California 1 $ 555,000 $ 555,000 $ 168,000
Santa Barbara, California 1 $ 395,000 $ 395,000 $ 80,000
Sutter, California 1 $ 365,000 $ 365,000 $ 78,000
Huerfano, Colorado 1 $ 185,000 $ 185,000 $ 23,000
Jefferson, Colorado 1 $ 215,000 $ 215,000 $ 62,000
La Plata, Colorado 1 $ 265,000 $ 265,000 $ 0
New Haven, Connecticut 1 $ 175,000 $ 175,000 $ 34,000
New London, Connecticut 1 $ 275,000 $ 275,000 $ 73,000
Kent, Delaware 1 $ 105,000 $ 105,000 $ 20,000
New Castle, Delaware 1 $ 245,000 $ 245,000 $ 72,000
District of Columbia, District Of Columbia 1 $ 375,000 $ 375,000 $ 149,000
Alachua, Florida 1 $ 265,000 $ 265,000 $ 68,000
Citrus, Florida 1 $ 145,000 $ 145,000 $ 65,000
Hardee, Florida 1 $ 165,000 $ 165,000 $ 44,000
Hernando, Florida 1 $ 145,000 $ 145,000 $ 25,000
Lake, Florida 1 $ 265,000 $ 265,000 $ 86,000
Leon, Florida 1 $ 125,000 $ 125,000 $ 71,000
Manatee, Florida 1 $ 305,000 $ 305,000 $ 125,000
Wakulla, Florida 1 $ 185,000 $ 185,000 $ 37,000
Walton, Florida 1 $ 415,000 $ 415,000 $ 108,000
Camden, Georgia 1 $ 355,000 $ 355,000 $ 148,000
Carroll, Georgia 1 $ 125,000 $ 125,000 $ 0
Chatham, Georgia 1 $ 215,000 $ 215,000 $ 46,000
Dawson, Georgia 1 $ 945,000 $ 945,000 $ 0
DeKalb, Georgia 1 $ 145,000 $ 145,000 $ 43,000
Effingham, Georgia 1 $ 215,000 $ 215,000 $ 81,000
Elbert, Georgia 1 $ 165,000 $ 165,000 $ 50,000
Fayette, Georgia 1 $ 225,000 $ 225,000 $ 69,000
Gwinnett, Georgia 1 $ 265,000 $ 265,000 $ 50,000
Hall, Georgia 1 $ 755,000 $ 755,000 $ 500,000
Harris, Georgia 1 $ 485,000 $ 485,000 $ 244,000
Henry, Georgia 1 $ 205,000 $ 205,000 $ 76,000
Jackson, Georgia 1 $ 245,000 $ 245,000 $ 345,000
Paulding, Georgia 1 $ 165,000 $ 165,000 $ 38,000
Richmond, Georgia 1 $ 175,000 $ 175,000 $ 32,000
Seminole, Georgia 1 $ 165,000 $ 165,000 $ 0
Tattnall, Georgia 1 $ 85,000 $ 85,000 $ 81,000
Towns, Georgia 1 $ 165,000 $ 165,000 $ 88,000
Walton, Georgia 1 $ 235,000 $ 235,000 $ 125,000
Hawaii, Hawaii 1 $ 245,000 $ 245,000 $ 54,000
Bear Lake, Idaho 1 $ 545,000 $ 545,000 $ 0
Bonneville, Idaho 1 $ 275,000 $ 275,000 $ 0
Canyon, Idaho 1 $ 335,000 $ 335,000 $ 0
Kootenai, Idaho 1 $ 345,000 $ 345,000 $ 97,000
Cass, Illinois 1 $ 75,000 $ 75,000 $ 28,000
Coles, Illinois 1 $ 65,000 $ 65,000 $ 37,000
Cook, Illinois 1 $ 175,000 $ 175,000 $ 0
Douglas, Illinois 1 $ 75,000 $ 75,000 $ 31,000
Kankakee, Illinois 1 $ 55,000 $ 55,000 $ 31,000
Lake, Illinois 1 $ 245,000 $ 245,000 $ 144,000
Macon, Illinois 1 $ 225,000 $ 225,000 $ 138,000
Madison, Illinois 1 $ 125,000 $ 125,000 $ 0
McHenry, Illinois 1 $ 225,000 $ 225,000 $ 93,000
St. Clair, Illinois 1 $ 155,000 $ 155,000 $ 56,000
Crawford, Indiana 1 $ 175,000 $ 175,000 $ 80,000
Dubois, Indiana 1 $ 115,000 $ 115,000 $ 0
Floyd, Indiana 1 $ 185,000 $ 185,000 $ 79,000
Montgomery, Indiana 1 $ 145,000 $ 145,000 $ 32,000
Wayne, Indiana 1 $ 145,000 $ 145,000 $ 0
Dubuque, Iowa 1 $ 205,000 $ 205,000 $ 52,000
Pottawattamie, Iowa 1 $ 55,000 $ 55,000 $ 0
Tama, Iowa 1 $ 105,000 $ 105,000 $ 27,000
Atchison, Kansas 1 $ 85,000 $ 85,000 $ 0
Douglas, Kansas 1 $ 255,000 $ 255,000 $ 76,000
Ellis, Kansas 1 $ 145,000 $ 145,000 $ 33,000
Jefferson, Kansas 1 $ 195,000 $ 195,000 $ 0
Johnson, Kansas 1 $ 605,000 $ 605,000 $ 105,000
Miami, Kansas 1 $ 255,000 $ 255,000 $ 91,000
Thomas, Kansas 1 $ 175,000 $ 175,000 $ 0
Woodson, Kansas 1 $ 75,000 $ 75,000 $ 104,000
Boone, Kentucky 1 $ 205,000 $ 205,000 $ 39,000
Bracken, Kentucky 1 $ 115,000 $ 115,000 $ 38,000
Calloway, Kentucky 1 $ 255,000 $ 255,000 $ 136,000
Hardin, Kentucky 1 $ 165,000 $ 165,000 $ 48,000
Hopkins, Kentucky 1 $ 205,000 $ 205,000 $ 0
Logan, Kentucky 1 $ 155,000 $ 155,000 $ 93,000
Mason, Kentucky 1 $ 155,000 $ 155,000 $ 0
Muhlenberg, Kentucky 1 $ 185,000 $ 185,000 $ 83,000
Simpson, Kentucky 1 $ 175,000 $ 175,000 $ 34,000
Warren, Kentucky 1 $ 175,000 $ 175,000 $ 38,000
Calcasieu, Louisiana 1 $ 155,000 $ 155,000 $ 104,000
East Baton Rouge, Louisiana 1 $ 125,000 $ 125,000 $ 36,000
Evangeline, Louisiana 1 $ 125,000 $ 125,000 $ 33,000
La Salle, Louisiana 1 $ 85,000 $ 85,000 $ 50,000
Pointe Coupee, Louisiana 1 $ 125,000 $ 125,000 $ 118,000
St. Charles, Louisiana 1 $ 365,000 $ 365,000 $ 118,000
St. James, Louisiana 1 $ 135,000 $ 135,000 $ 0
St. Tammany, Louisiana 1 $ 185,000 $ 185,000 $ 131,000
Tangipahoa, Louisiana 1 $ 405,000 $ 405,000 $ 0
Union, Louisiana 1 $ 205,000 $ 205,000 $ 94,000
Cumberland, Maine 1 $ 105,000 $ 105,000 $ 0
York, Maine 1 $ 155,000 $ 155,000 $ 0
Allegany, Maryland 1 $ 135,000 $ 135,000 $ 0
Garrett, Maryland 1 $ 415,000 $ 415,000 $ 197,000
Montgomery, Maryland 1 $ 415,000 $ 415,000 $ 90,000
Prince George's, Maryland 1 $ 265,000 $ 265,000 $ 93,000
Barnstable, Massachusetts 1 $ 215,000 $ 215,000 $ 56,000
Essex, Massachusetts 1 $ 535,000 $ 535,000 $ 317,000
Cheboygan, Michigan 1 $ 85,000 $ 85,000 $ 28,000
Eaton, Michigan 1 $ 185,000 $ 185,000 $ 0
Genesee, Michigan 1 $ 165,000 $ 165,000 $ 64,000
Lenawee, Michigan 1 $ 155,000 $ 155,000 $ 247,000
Roscommon, Michigan 1 $ 115,000 $ 115,000 $ 25,000
Shiawassee, Michigan 1 $ 235,000 $ 235,000 $ 64,000
Washtenaw, Michigan 1 $ 275,000 $ 275,000 $ 84,000
Crow Wing, Minnesota 1 $ 185,000 $ 185,000 $ 107,000
Houston, Minnesota 1 $ 255,000 $ 255,000 $ 109,000
Renville, Minnesota 1 $ 145,000 $ 145,000 $ 46,000
St. Louis, Minnesota 1 $ 145,000 $ 145,000 $ 72,000
Covington, Mississippi 1 $ 125,000 $ 125,000 $ 0
George, Mississippi 1 $ 205,000 $ 205,000 $ 152,000
Jones, Mississippi 1 $ 155,000 $ 155,000 $ 34,000
Lauderdale, Mississippi 1 $ 215,000 $ 215,000 $ 90,000
Lawrence, Mississippi 1 $ 155,000 $ 155,000 $ 84,000
Lee, Mississippi 1 $ 135,000 $ 135,000 $ 62,000
Lincoln, Mississippi 1 $ 155,000 $ 155,000 $ 41,000
Monroe, Mississippi 1 $ 85,000 $ 85,000 $ 52,000
Pearl River, Mississippi 1 $ 115,000 $ 115,000 $ 52,000
Rankin, Mississippi 1 $ 195,000 $ 195,000 $ 0
Tippah, Mississippi 1 $ 135,000 $ 135,000 $ 37,000
Tishomingo, Mississippi 1 $ 105,000 $ 105,000 $ 29,000
Walthall, Mississippi 1 $ 145,000 $ 145,000 $ 58,000
Washington, Mississippi 1 $ 165,000 $ 165,000 $ 46,000
Yalobusha, Mississippi 1 $ 105,000 $ 105,000 $ 37,000
Adair, Missouri 1 $ 205,000 $ 205,000 $ 43,000
Cass, Missouri 1 $ 255,000 $ 255,000 $ 84,000
Clay, Missouri 1 $ 145,000 $ 145,000 $ 0
Franklin, Missouri 1 $ 115,000 $ 115,000 $ 39,000
Grundy, Missouri 1 $ 145,000 $ 145,000 $ 47,000
Pemiscot, Missouri 1 $ 85,000 $ 85,000 $ 0
Missoula, Montana 1 $ 545,000 $ 545,000 $ 173,000
Musselshell, Montana 1 $ 105,000 $ 105,000 $ 43,000
Yellowstone, Montana 1 $ 535,000 $ 535,000 $ 293,000
Butler, Nebraska 1 $ 215,000 $ 215,000 $ 0
Lancaster, Nebraska 1 $ 155,000 $ 155,000 $ 133,000
Red Willow, Nebraska 1 $ 105,000 $ 105,000 $ 68,000
Washoe, Nevada 1 $ 545,000 $ 545,000 $ 111,000
Rockingham, New Hampshire 1 $ 575,000 $ 575,000 $ 192,000
Warren, New Jersey 1 $ 245,000 $ 245,000 $ 90,000
Eddy, New Mexico 1 $ 125,000 $ 125,000 $ 121,000
Alexander, North Carolina 1 $ 255,000 $ 255,000 $ 132,000
Alleghany, North Carolina 1 $ 265,000 $ 265,000 $ 131,000
Anson, North Carolina 1 $ 145,000 $ 145,000 $ 0
Buncombe, North Carolina 1 $ 155,000 $ 155,000 $ 31,000
Carteret, North Carolina 1 $ 315,000 $ 315,000 $ 193,000
Clay, North Carolina 1 $ 515,000 $ 515,000 $ 70,000
Cleveland, North Carolina 1 $ 195,000 $ 195,000 $ 0
Duplin, North Carolina 1 $ 195,000 $ 195,000 $ 38,000
Edgecombe, North Carolina 1 $ 155,000 $ 155,000 $ 145,000
Franklin, North Carolina 1 $ 175,000 $ 175,000 $ 74,000
Gates, North Carolina 1 $ 225,000 $ 225,000 $ 60,000
Granville, North Carolina 1 $ 195,000 $ 195,000 $ 46,000
Halifax, North Carolina 1 $ 135,000 $ 135,000 $ 57,000
Henderson, North Carolina 1 $ 205,000 $ 205,000 $ 0
Iredell, North Carolina 1 $ 165,000 $ 165,000 $ 55,000
Lee, North Carolina 1 $ 185,000 $ 185,000 $ 0
Lenoir, North Carolina 1 $ 75,000 $ 75,000 $ 42,000
Lincoln, North Carolina 1 $ 165,000 $ 165,000 $ 35,000
Macon, North Carolina 1 $ 235,000 $ 235,000 $ 45,000
Pasquotank, North Carolina 1 $ 125,000 $ 125,000 $ 0
Pitt, North Carolina 1 $ 85,000 $ 85,000 $ 0
Polk, North Carolina 1 $ 325,000 $ 325,000 $ 112,000
Rowan, North Carolina 1 $ 145,000 $ 145,000 $ 46,000
Scotland, North Carolina 1 $ 115,000 $ 115,000 $ 32,000
Stanly, North Carolina 1 $ 365,000 $ 365,000 $ 80,000
Vance, North Carolina 1 $ 255,000 $ 255,000 $ 108,000
Crawford, Ohio 1 $ 95,000 $ 95,000 $ 38,000
Defiance, Ohio 1 $ 205,000 $ 205,000 $ 68,000
Fairfield, Ohio 1 $ 235,000 $ 235,000 $ 122,000
Fulton, Ohio 1 $ 165,000 $ 165,000 $ 0
Geauga, Ohio 1 $ 255,000 $ 255,000 $ 65,000
Greene, Ohio 1 $ 155,000 $ 155,000 $ 78,000
Highland, Ohio 1 $ 135,000 $ 135,000 $ 44,000
Jackson, Ohio 1 $ 175,000 $ 175,000 $ 0
Summit, Ohio 1 $ 95,000 $ 95,000 $ 31,000
Williams, Ohio 1 $ 265,000 $ 265,000 $ 0
Logan, Oklahoma 1 $ 225,000 $ 225,000 $ 93,000
Osage, Oklahoma 1 $ 75,000 $ 75,000 $ 68,000
Tillman, Oklahoma 1 $ 55,000 $ 55,000 $ 24,000
Clackamas, Oregon 1 $ 265,000 $ 265,000 $ 74,000
Columbia, Oregon 1 $ 245,000 $ 245,000 $ 74,000
Coos, Oregon 1 $ 405,000 $ 405,000 $ 96,000
Douglas, Oregon 1 $ 185,000 $ 185,000 $ 47,000
Wallowa, Oregon 1 $ 535,000 $ 535,000 $ 100,000
Yamhill, Oregon 1 $ 125,000 $ 125,000 $ 52,000
Bradford, Pennsylvania 1 $ 165,000 $ 165,000 $ 26,000
Carbon, Pennsylvania 1 $ 305,000 $ 305,000 $ 0
Cumberland, Pennsylvania 1 $ 205,000 $ 205,000 $ 62,000
Delaware, Pennsylvania 1 $ 195,000 $ 195,000 $ 138,000
Indiana, Pennsylvania 1 $ 135,000 $ 135,000 $ 35,000
Lycoming, Pennsylvania 1 $ 95,000 $ 95,000 $ 69,000
Mifflin, Pennsylvania 1 $ 135,000 $ 135,000 $ 37,000
Montgomery, Pennsylvania 1 $ 95,000 $ 95,000 $ 30,000
Perry, Pennsylvania 1 $ 295,000 $ 295,000 $ 111,000
Susquehanna, Pennsylvania 1 $ 95,000 $ 95,000 $ 100,000
Tioga, Pennsylvania 1 $ 185,000 $ 185,000 $ 63,000
Kent, Rhode Island 1 $ 145,000 $ 145,000 $ 47,000
Providence, Rhode Island 1 $ 355,000 $ 355,000 $ 97,000
Anderson, South Carolina 1 $ 125,000 $ 125,000 $ 28,000
Berkeley, South Carolina 1 $ 125,000 $ 125,000 $ 24,000
Chesterfield, South Carolina 1 $ 315,000 $ 315,000 $ 0
Edgefield, South Carolina 1 $ 185,000 $ 185,000 $ 54,000
Georgetown, South Carolina 1 $ 125,000 $ 125,000 $ 41,000
Kershaw, South Carolina 1 $ 195,000 $ 195,000 $ 49,000
Lexington, South Carolina 1 $ 135,000 $ 135,000 $ 48,000
Marion, South Carolina 1 $ 115,000 $ 115,000 $ 0
McCormick, South Carolina 1 $ 175,000 $ 175,000 $ 0
Newberry, South Carolina 1 $ 125,000 $ 125,000 $ 56,000
Williamsburg, South Carolina 1 $ 135,000 $ 135,000 $ 0
Custer, South Dakota 1 $ 505,000 $ 505,000 $ 130,000
Fall River, South Dakota 1 $ 195,000 $ 195,000 $ 115,000
Pennington, South Dakota 1 $ 285,000 $ 285,000 $ 105,000
Franklin, Tennessee 1 $ 235,000 $ 235,000 $ 165,000
Gibson, Tennessee 1 $ 315,000 $ 315,000 $ 65,000
Greene, Tennessee 1 $ 65,000 $ 65,000 $ 21,000
Hardeman, Tennessee 1 $ 315,000 $ 315,000 $ 68,000
Houston, Tennessee 1 $ 125,000 $ 125,000 $ 0
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Mortgage Loan Application Detail Totals for Austin Capital Bank SSB in 2021

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 1,762 $465,930,000 $264,000 $1,645,000 $83,000 $1,057,000
Refinancing 587 $153,125,000 $260,000 $1,235,000 $88,000 $2,706,000
Cash-out Refinancing 506 $140,130,000 $276,000 $1,005,000 $101,000 $4,011,000
Other Purpose 2 $510,000 $255,000 $295,000 $98,000 $98,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 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
White 1,613 $434,415,000 $269,000 $1,235,000 $87,000 $1,049,000
Hispanic 507 $126,215,000 $248,000 $795,000 $75,000 $989,000
Not Provided 331 $93,475,000 $282,000 $1,645,000 $110,000 $4,011,000
Black or African American 256 $58,350,000 $227,000 $715,000 $70,000 $293,000
Asian 129 $41,055,000 $318,000 $935,000 $110,000 $419,000
American Indian or Alaskan Native 12 $2,510,000 $209,000 $365,000 $120,000 $430,000
Native Hawaiian or Other Pacific Islander 5 $1,815,000 $363,000 $705,000 $88,000 $176,000
Not applicable 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) 1,963 $541,935,000 $276,000 $1,645,000 $100,000 $4,011,000
FHA-insured (Federal Housing Administration) 540 $124,660,000 $230,000 $585,000 $59,000 $307,000
VA-guaranteed (Veterans Administration) 212 $69,450,000 $327,000 $1,235,000 $71,000 $368,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 142 $23,650,000 $166,000 $445,000 $41,000 $106,000

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 1,786 $481,970,000 $269,000 $1,235,000 $86,000 $500,000
Application Withdrawn By Applicant 812 $213,350,000 $262,000 $1,645,000 $93,000 $4,011,000
Application Denied By Financial Institution 184 $42,070,000 $228,000 $635,000 $70,000 $989,000
File Closed For Incompleteness 66 $20,290,000 $307,000 $615,000 $95,000 $445,000
Application Approved But Not Accepted 5 $1,185,000 $237,000 $545,000 $70,000 $201,000
Loan Purchased By The Institution 2 $510,000 $255,000 $295,000 $98,000 $98,000
Preapproval Denied by Financial Institution 2 $320,000 $160,000 $315,000 $61,000 $97,000
Preapproval Approved but not Accepted 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
Not applicable 2,671 $717,305,000 $268,000 $1,645,000 $88,000 $4,011,000
Debt-To-Income Ratio 65 $14,945,000 $229,000 $525,000 $49,000 $150,000
Other 41 $10,095,000 $246,000 $545,000 $72,000 $428,000
Credit History 37 $8,845,000 $239,000 $635,000 $75,000 $540,000
Collateral 27 $5,415,000 $200,000 $605,000 $125,000 $989,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,455,000 $207,000 $325,000 $25,000 $55,000
Unverifiable Information 5 $1,325,000 $265,000 $345,000 $72,000 $133,000
Employment History 4 $310,000 $77,000 $155,000 $50,000 $72,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Austin Capital Bank SSB's 2021 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 Austin Capital Bank SSB'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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