Nexbank Mortgage Lending & HMDA Data, 2013
In 2013, Nexbank of Dallas, TX reported 1,801 mortgage applications totaling $554.7 million, down 20% from 2012. The average application was for $307,985, and applicants reported an average income of $85,873. 63% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dallas-Plano-Irving, TX (579), Austin-Round Rock-San Marcos, TX (271) and Houston-Sugar Land-Baytown, TX (222) (applications in parentheses).
| Mortgage Company & Address | Nexbank 2515 McKinney Avenue, Suite 1100 Dallas, TX 75201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,801 |
| Total Mortgage Loan Application Amount | $554,681,000 |
| Average Mortgage Loan Application Amount | $307,985 |
| Highest Mortgage Loan Application Amount | $4,752,000 |
| Average Applicant Income | $85,873 |
| Highest Applicant Income | $1,327,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Nexbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 579 | $ 139,484,000 | $ 240,905 | $ 115,000 |
| Austin-Round Rock-San Marcos, TX | 271 | $ 61,869,000 | $ 228,298 | $ 117,000 |
| Houston-Sugar Land-Baytown, TX | 222 | $ 48,655,000 | $ 219,166 | $ 113,000 |
| Fort Worth-Arlington, TX | 140 | $ 28,222,000 | $ 201,585 | $ 96,000 |
| Seattle-Bellevue-Everett, WA | 106 | $ 68,719,000 | $ 648,292 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 50 | $ 47,000,000 | $ 940,000 | $ 0 |
| San Antonio-New Braunfels, TX | 41 | $ 7,717,000 | $ 188,219 | $ 97,000 |
| Laredo, TX | 23 | $ 3,669,000 | $ 159,521 | $ 59,000 |
| Santa Ana-Anaheim-Irvine, CA | 18 | $ 14,776,000 | $ 820,888 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 15 | $ 12,089,000 | $ 805,933 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 14 | $ 6,034,000 | $ 431,000 | $ 0 |
| Waco, TX | 11 | $ 1,362,000 | $ 123,818 | $ 53,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 5,360,000 | $ 536,000 | $ 7,000 |
| Morgantown, WV | 10 | $ 1,827,000 | $ 182,700 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 9 | $ 10,768,000 | $ 1,196,444 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 1,977,000 | $ 219,666 | $ 0 |
| Beaumont-Port Arthur, TX | 8 | $ 1,543,000 | $ 192,875 | $ 107,000 |
| College Station-Bryan, TX | 8 | $ 1,615,000 | $ 201,875 | $ 119,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 5,079,000 | $ 634,875 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 7 | $ 877,000 | $ 125,285 | $ 79,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 1,013,000 | $ 144,714 | $ 61,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 3,500,000 | $ 500,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 7 | $ 6,063,000 | $ 866,142 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,146,000 | $ 191,000 | $ 0 |
| Abilene, TX | 5 | $ 1,116,000 | $ 223,200 | $ 136,000 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 2,496,000 | $ 499,200 | $ 141,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 2,096,000 | $ 419,200 | $ 124,000 |
| Naples-Marco Island, FL | 5 | $ 3,166,000 | $ 633,200 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 4,440,000 | $ 888,000 | $ 0 |
| Boston-Quincy, MA | 4 | $ 1,383,000 | $ 345,750 | $ 42,000 |
| Chicago-Joliet-Naperville, IL | 4 | $ 720,000 | $ 180,000 | $ 32,000 |
| Corpus Christi, TX | 4 | $ 727,000 | $ 181,750 | $ 127,000 |
| Oakland-Fremont-Hayward, CA | 4 | $ 2,374,000 | $ 593,500 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 3,242,000 | $ 810,500 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 5,087,000 | $ 1,271,750 | $ 0 |
| Longview, TX | 3 | $ 335,000 | $ 111,666 | $ 59,000 |
| Salem, OR | 3 | $ 529,000 | $ 176,333 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,686,000 | $ 562,000 | $ 0 |
| Tulsa, OK | 3 | $ 1,224,000 | $ 408,000 | $ 63,000 |
| Amarillo, TX | 2 | $ 446,000 | $ 223,000 | $ 69,000 |
| Baltimore-Towson, MD | 2 | $ 1,520,000 | $ 760,000 | $ 0 |
| Bremerton-Silverdale, WA | 2 | $ 1,083,000 | $ 541,500 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 976,000 | $ 488,000 | $ 0 |
| El Paso, TX | 2 | $ 322,000 | $ 161,000 | $ 77,000 |
| Jacksonville, FL | 2 | $ 1,130,000 | $ 565,000 | $ 0 |
| Lafayette, LA | 2 | $ 554,000 | $ 277,000 | $ 164,000 |
| Midland, TX | 2 | $ 304,000 | $ 152,000 | $ 67,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 684,000 | $ 342,000 | $ 0 |
| New Haven-Milford, CT | 2 | $ 263,000 | $ 131,500 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 1,589,000 | $ 794,500 | $ 0 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 639,000 | $ 319,500 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 2,411,000 | $ 1,205,500 | $ 0 |
| Syracuse, NY | 2 | $ 256,000 | $ 128,000 | $ 241,000 |
| Tacoma, WA | 2 | $ 647,000 | $ 323,500 | $ 0 |
| Tyler, TX | 2 | $ 372,000 | $ 186,000 | $ 94,000 |
| Wichita Falls, TX | 2 | $ 273,000 | $ 136,500 | $ 97,000 |
| Bellingham, WA | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Bend, OR | 1 | $ 679,000 | $ 679,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 248,000 | $ 248,000 | $ 169,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 747,000 | $ 747,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 933,000 | $ 933,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Eugene-Springfield, OR | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 519,000 | $ 519,000 | $ 0 |
| Gary, IN | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Holland-Grand Haven, MI | 1 | $ 1,038,000 | $ 1,038,000 | $ 0 |
| Jackson, MS | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Monroe, LA | 1 | $ 54,000 | $ 54,000 | $ 26,000 |
| Montgomery, AL | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 486,000 | $ 486,000 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 383,000 | $ 383,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 213,000 | $ 213,000 | $ 89,000 |
| Odessa, TX | 1 | $ 149,000 | $ 149,000 | $ 80,000 |
| Oklahoma City, OK | 1 | $ 127,000 | $ 127,000 | $ 36,000 |
| Olympia, WA | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 456,000 | $ 456,000 | $ 0 |
| Raleigh-Cary, NC | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Richmond, VA | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 443,000 | $ 443,000 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 932,000 | $ 932,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 51,000 | $ 51,000 | $ 42,000 |
| Shreveport-Bossier City, LA | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| St. George, UT | 1 | $ 1,242,000 | $ 1,242,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 188,000 | $ 188,000 | $ 110,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Worcester, MA | 1 | $ 72,000 | $ 72,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Nexbank in 2013
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 | 1,393 | $460,418,000 | $330,000 | $4,752,000 | $75,000 | $1,097,000 |
| Refinancing | 408 | $94,263,000 | $231,000 | $1,950,000 | $123,000 | $1,327,000 |
| Home Improvement | 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 | 1,003 | $224,856,000 | $224,000 | $4,752,000 | $114,000 | $1,137,000 |
| Not applicable | 412 | $250,840,000 | $608,000 | $3,323,000 | $0 | $0 |
| Hispanic | 154 | $26,461,000 | $171,000 | $417,000 | $80,000 | $449,000 |
| Asian | 87 | $20,143,000 | $231,000 | $1,397,000 | $130,000 | $559,000 |
| Not Provided | 71 | $17,839,000 | $251,000 | $938,000 | $139,000 | $540,000 |
| Black or African American | 67 | $13,061,000 | $194,000 | $417,000 | $101,000 | $1,327,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,156,000 | $231,000 | $417,000 | $74,000 | $144,000 |
| American Indian or Alaskan Native | 2 | $325,000 | $162,000 | $198,000 | $74,000 | $101,000 |
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) | 1,351 | $475,027,000 | $351,000 | $4,752,000 | $89,000 | $1,327,000 |
| FHA-insured (Federal Housing Administration) | 356 | $60,559,000 | $170,000 | $345,000 | $73,000 | $355,000 |
| VA-guaranteed (Veterans Administration) | 71 | $15,742,000 | $221,000 | $417,000 | $89,000 | $394,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,353,000 | $145,000 | $255,000 | $53,000 | $83,000 |
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 | 1,129 | $244,208,000 | $216,000 | $1,950,000 | $111,000 | $1,327,000 |
| Loan Purchased By The Institution | 421 | $252,222,000 | $599,000 | $3,323,000 | $2,000 | $433,000 |
| Application Denied By Financial Institution | 138 | $28,703,000 | $207,000 | $1,000,000 | $106,000 | $540,000 |
| Application Approved But Not Accepted | 105 | $27,628,000 | $263,000 | $4,752,000 | $118,000 | $1,000,000 |
| Application Withdrawn By Applicant | 8 | $1,920,000 | $240,000 | $556,000 | $144,000 | $480,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 30 | $7,075,000 | $235,000 | $1,000,000 | $88,000 | $296,000 |
| Credit Application Incomplete | 27 | $5,258,000 | $194,000 | $481,000 | $122,000 | $540,000 |
| Collateral | 24 | $5,421,000 | $225,000 | $914,000 | $109,000 | $309,000 |
| Credit History | 19 | $3,817,000 | $200,000 | $380,000 | $99,000 | $235,000 |
| Other | 15 | $2,429,000 | $161,000 | $346,000 | $78,000 | $170,000 |
| Unverifiable Information | 14 | $2,768,000 | $197,000 | $344,000 | $159,000 | $449,000 |
| Employment History | 6 | $1,321,000 | $220,000 | $312,000 | $97,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $160,000 | $160,000 | $160,000 | $92,000 | $92,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nexbank's 2013 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 Nexbank'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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