Mercantile Bank & Trust, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Mercantile Bank & Trust, Fsb 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Mercantile Bank & Trust, Fsb 14001 Dallas Parkway, Suite 1101 Dallas, TX 75240 |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 456 |
| Total Mortgage Loan Application Amount | $126,755,000 |
| Average Mortgage Loan Application Amount | $396,357 |
| Highest Mortgage Loan Application Amount | $1,084,000 |
| Average Applicant Income | $16,214 |
| Highest Applicant Income | $1,082,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Mercantile Bank & Trust, Fsb. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Mercantile Bank & Trust, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Mercantile Bank & Trust, Fsb's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Mercantile Bank & Trust, Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Mercantile Bank & Trust, Fsb, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Mercantile Bank & Trust, Fsb's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas County Texas | 150 | $ 37,692,000 | $ 251,000 | $ 127,000 |
| Collin County Texas | 67 | $ 12,362,000 | $ 184,000 | $ 115,000 |
| Denton County Texas | 41 | $ 7,440,000 | $ 181,000 | $ 81,000 |
| Alameda County California | 17 | $ 7,432,000 | $ 437,000 | $ 0 |
| Santa Clara County California | 12 | $ 4,987,000 | $ 415,000 | $ 0 |
| Orange County California | 10 | $ 5,191,000 | $ 519,000 | $ 0 |
| Contra Costa County California | 8 | $ 3,391,000 | $ 423,000 | $ 0 |
| Maricopa County Arizona | 6 | $ 2,815,000 | $ 469,000 | $ 0 |
| Los Angeles County California | 6 | $ 2,575,000 | $ 429,000 | $ 0 |
| Ellis County Texas | 5 | $ 700,000 | $ 140,000 | $ 51,000 |
| Marin County California | 4 | $ 2,319,000 | $ 579,000 | $ 0 |
| Rockwall County Texas | 4 | $ 428,000 | $ 107,000 | $ 73,000 |
| San Diego County California | 3 | $ 1,223,000 | $ 407,000 | $ 0 |
| Ventura County California | 3 | $ 1,283,000 | $ 427,000 | $ 0 |
| Cook County Illinois | 3 | $ 1,200,000 | $ 400,000 | $ 0 |
| Fairfax County Virginia | 3 | $ 1,513,000 | $ 504,000 | $ 0 |
| Prince William County Virginia | 3 | $ 1,511,000 | $ 503,000 | $ 0 |
| Pima County Arizona | 2 | $ 1,005,000 | $ 502,000 | $ 0 |
| San Bernardino County California | 2 | $ 794,000 | $ 397,000 | $ 0 |
| San Mateo County California | 2 | $ 905,000 | $ 452,000 | $ 0 |
| Boulder County Colorado | 2 | $ 832,000 | $ 416,000 | $ 0 |
| Denver County Colorado | 2 | $ 1,008,000 | $ 504,000 | $ 0 |
| Douglas County Colorado | 2 | $ 1,114,000 | $ 557,000 | $ 0 |
| Will County Illinois | 2 | $ 913,000 | $ 456,000 | $ 0 |
| Montgomery County Maryland | 2 | $ 1,378,000 | $ 689,000 | $ 0 |
| Franklin County Ohio | 2 | $ 893,000 | $ 446,000 | $ 0 |
| Henderson County Texas | 2 | $ 349,000 | $ 174,000 | $ 179,000 |
| Tarrant County Texas | 2 | $ 440,000 | $ 220,000 | $ 30,000 |
| Loudoun County Virginia | 2 | $ 1,001,000 | $ 500,000 | $ 0 |
| El Dorado County California | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Placer County California | 1 | $ 518,000 | $ 518,000 | $ 0 |
| Riverside County California | 1 | $ 278,000 | $ 278,000 | $ 0 |
| San Francisco County California | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Santa Barbara County California | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Sonoma County California | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Arapahoe County Colorado | 1 | $ 349,000 | $ 349,000 | $ 0 |
| El Paso County Colorado | 1 | $ 332,000 | $ 332,000 | $ 0 |
| Hartford County Connecticut | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Orange County Florida | 1 | $ 547,000 | $ 547,000 | $ 0 |
| Ada County Idaho | 1 | $ 586,000 | $ 586,000 | $ 0 |
| DuPage County Illinois | 1 | $ 646,000 | $ 646,000 | $ 0 |
| Lake County Illinois | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Marion County Indiana | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Howard County Maryland | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Plymouth County Massachusetts | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Bernalillo County New Mexico | 1 | $ 729,000 | $ 729,000 | $ 0 |
| Taos County New Mexico | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Dare County North Carolina | 1 | $ 439,000 | $ 439,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Union County North Carolina | 1 | $ 446,000 | $ 446,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 439,000 | $ 439,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 524,000 | $ 524,000 | $ 0 |
| Kent County Rhode Island | 1 | $ 414,000 | $ 414,000 | $ 0 |
| Harris County Texas | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Kaufman County Texas | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Kendall County Texas | 1 | $ 576,000 | $ 576,000 | $ 0 |
| Arlington County Virginia | 1 | $ 388,000 | $ 388,000 | $ 0 |
| Fairfax City County Virginia | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Whatcom County Washington | 1 | $ 366,000 | $ 366,000 | $ 0 |
Mortgage Loan Application Detail Totals for Mercantile Bank & Trust, Fsb in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 360 | $98,644,000 | $451,933 | $1,084,000 | $11,533 | $1,082,000 |
| Home Purchase (one-to-four family) | 96 | $28,111,000 | $332,230 | $1,000,000 | $21,615 | $891,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 289 | $61,670,000 | $211,400 | $1,084,000 | $83,200 | $1,082,000 |
| Not applicable | 129 | $58,684,000 | $466,842 | $969,000 | $0 | $0 |
| Asian or Pacific Islander | 12 | $2,101,000 | $175,000 | $333,000 | $99,000 | $151,000 |
| Hispanic | 12 | $1,782,000 | $148,000 | $450,000 | $92,000 | $253,000 |
| Information not provided by applicant in mail or telephone application | 8 | $1,892,000 | $236,000 | $788,000 | $157,000 | $285,000 |
| Black | 2 | $360,000 | $180,000 | $233,000 | $95,000 | $122,000 |
| Other | 2 | $139,000 | $69,000 | $87,000 | $40,000 | $61,000 |
| American Indian or Alaskan Native | 2 | $127,000 | $63,000 | $66,000 | $42,000 | $84,000 |
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) | 456 | $126,755,000 | $420,850 | $1,084,000 | $13,750 | $1,082,000 |
| 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 | 289 | $61,677,000 | $233,000 | $1,084,000 | $85,500 | $1,082,000 |
| Loan Purchased By The Institution | 129 | $58,684,000 | $466,842 | $969,000 | $0 | $0 |
| Application Withdrawn By Applicant | 21 | $3,137,000 | $149,000 | $802,000 | $106,000 | $427,000 |
| Application Denied By Financial Institution | 16 | $3,154,000 | $165,500 | $825,000 | $101,000 | $509,000 |
| File Closed For Incompleteness | 1 | $103,000 | $103,000 | $103,000 | $0 | $0 |
| Application 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $2,014,000 | $223,000 | $825,000 | $84,000 | $310,000 |
| Credit History | 3 | $405,000 | $140,000 | $156,000 | $63,000 | $84,000 |
| Collateral | 2 | $358,000 | $179,000 | $265,000 | $284,000 | $509,000 |
| Credit Application Incomplete | 1 | $206,000 | $206,000 | $206,000 | $93,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $171,000 | $171,000 | $171,000 | $311,000 | $311,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mercantile Bank & Trust, Fsb's 2003 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 Mercantile Bank & Trust, Fsb'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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with aggregated HMDA statistics today.