Nexbank Mortgage Lending & HMDA Data, 2016
In 2016, Nexbank of Dallas, TX reported 4,796 mortgage applications totaling $1.6 billion, up 77% from 2015. The average application was for $339,249, and applicants reported an average income of $111,853. 76% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dallas-Plano-Irving, TX (897), Atlanta-Sandy Springs-Roswell, GA (780) and Houston-The Woodlands-Sugar Land, TX (474) (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 | 4,796 |
| Total Mortgage Loan Application Amount | $1,627,041,000 |
| Average Mortgage Loan Application Amount | $339,249 |
| Highest Mortgage Loan Application Amount | $2,810,000 |
| Average Applicant Income | $111,853 |
| Highest Applicant Income | $3,192,000 |
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Disclosure Act (HMDA) records Nexbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 897 | $ 221,754,000 | $ 247,217 | $ 115,000 |
| Atlanta-Sandy Springs-Roswell, GA | 780 | $ 210,916,000 | $ 270,405 | $ 114,000 |
| Houston-The Woodlands-Sugar Land, TX | 474 | $ 120,994,000 | $ 255,261 | $ 113,000 |
| Seattle-Bellevue-Everett, WA | 441 | $ 173,297,000 | $ 392,963 | $ 135,000 |
| Austin-Round Rock, TX | 313 | $ 84,583,000 | $ 270,233 | $ 150,000 |
| Chicago-Naperville-Arlington Heights, IL | 301 | $ 61,779,000 | $ 205,245 | $ 77,000 |
| Fort Worth-Arlington, TX | 191 | $ 46,709,000 | $ 244,549 | $ 135,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 147 | $ 57,228,000 | $ 389,306 | $ 145,142 |
| Los Angeles-Long Beach-Glendale, CA | 143 | $ 136,145,000 | $ 952,062 | $ 47,000 |
| Denver-Aurora-Lakewood, CO | 134 | $ 44,730,000 | $ 333,805 | $ 127,000 |
| Anaheim-Santa Ana-Irvine, CA | 75 | $ 59,108,000 | $ 788,106 | $ 96,000 |
| Richmond, VA | 69 | $ 16,835,000 | $ 243,985 | $ 105,000 |
| Lake County-Kenosha County, IL-WI | 56 | $ 13,929,000 | $ 248,732 | $ 115,000 |
| San Antonio-New Braunfels, TX | 54 | $ 11,340,000 | $ 210,000 | $ 134,000 |
| San Diego-Carlsbad, CA | 49 | $ 39,036,000 | $ 796,653 | $ 32,000 |
| San Francisco-Redwood City-South San Francisco, CA | 49 | $ 55,275,000 | $ 1,128,061 | $ 26,000 |
| Oakland-Hayward-Berkeley, CA | 43 | $ 34,557,000 | $ 803,651 | $ 22,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 27 | $ 10,127,000 | $ 375,074 | $ 171,444 |
| San Jose-Sunnyvale-Santa Clara, CA | 26 | $ 19,684,000 | $ 757,076 | $ 28,000 |
| Tacoma-Lakewood, WA | 24 | $ 6,922,000 | $ 288,416 | $ 152,000 |
| Riverside-San Bernardino-Ontario, CA | 23 | $ 11,357,000 | $ 493,782 | $ 101,000 |
| Silver Spring-Frederick-Rockville, MD | 23 | $ 8,481,000 | $ 368,739 | $ 173,000 |
| Fort Collins, CO | 22 | $ 5,037,000 | $ 228,954 | $ 109,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 21 | $ 10,553,000 | $ 502,523 | $ 31,000 |
| New York-Jersey City-White Plains, NY-NJ | 20 | $ 16,390,000 | $ 819,500 | $ 48,350 |
| Kansas City, MO-KS | 19 | $ 4,051,000 | $ 213,210 | $ 88,368 |
| Waco, TX | 19 | $ 3,755,000 | $ 197,631 | $ 102,000 |
| San Rafael, CA | 18 | $ 17,441,000 | $ 968,944 | $ 0 |
| Santa Maria-Santa Barbara, CA | 12 | $ 10,983,000 | $ 915,250 | $ 0 |
| Baltimore-Columbia-Towson, MD | 11 | $ 3,020,000 | $ 274,545 | $ 89,000 |
| Santa Rosa, CA | 11 | $ 8,423,000 | $ 765,727 | $ 9,000 |
| Abilene, TX | 10 | $ 2,149,000 | $ 214,900 | $ 126,000 |
| Killeen-Temple, TX | 9 | $ 1,642,000 | $ 182,444 | $ 99,000 |
| Laredo, TX | 9 | $ 1,708,000 | $ 189,777 | $ 76,000 |
| McAllen-Edinburg-Mission, TX | 9 | $ 1,733,000 | $ 192,555 | $ 172,000 |
| Elgin, IL | 8 | $ 1,393,000 | $ 174,125 | $ 73,000 |
| Gainesville, GA | 8 | $ 1,835,000 | $ 229,375 | $ 108,000 |
| Sherman-Denison, TX | 8 | $ 1,860,000 | $ 232,500 | $ 119,000 |
| Cambridge-Newton-Framingham, MA | 7 | $ 2,892,000 | $ 413,142 | $ 205,000 |
| College Station-Bryan, TX | 7 | $ 1,314,000 | $ 187,714 | $ 122,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 8,953,000 | $ 1,279,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 3,777,000 | $ 629,500 | $ 158,000 |
| Boulder, CO | 5 | $ 3,680,000 | $ 736,000 | $ 96,000 |
| Greeley, CO | 5 | $ 1,114,000 | $ 222,800 | $ 115,000 |
| Midland, TX | 5 | $ 1,169,000 | $ 233,800 | $ 153,000 |
| Spokane-Spokane Valley, WA | 5 | $ 1,259,000 | $ 251,800 | $ 94,000 |
| Tyler, TX | 5 | $ 750,000 | $ 150,000 | $ 72,000 |
| Bellingham, WA | 4 | $ 1,644,000 | $ 411,000 | $ 144,000 |
| Charleston-North Charleston, SC | 4 | $ 1,072,000 | $ 268,000 | $ 191,000 |
| Columbus, GA-AL | 4 | $ 826,000 | $ 206,500 | $ 99,000 |
| Nassau County-Suffolk County, NY | 4 | $ 2,530,000 | $ 632,500 | $ 0 |
| Salinas, CA | 4 | $ 3,910,000 | $ 977,500 | $ 0 |
| Valdosta, GA | 4 | $ 897,000 | $ 224,250 | $ 106,000 |
| Wenatchee, WA | 4 | $ 1,048,000 | $ 262,000 | $ 149,000 |
| Bend-Redmond, OR | 3 | $ 1,524,000 | $ 508,000 | $ 67,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,312,000 | $ 437,333 | $ 91,000 |
| Corpus Christi, TX | 3 | $ 699,000 | $ 233,000 | $ 157,000 |
| Olympia-Tumwater, WA | 3 | $ 690,000 | $ 230,000 | $ 109,000 |
| Salisbury, MD-DE | 3 | $ 759,000 | $ 253,000 | $ 192,666 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 838,000 | $ 279,333 | $ 145,000 |
| Athens-Clarke County, GA | 2 | $ 307,000 | $ 153,500 | $ 48,000 |
| Beaumont-Port Arthur, TX | 2 | $ 383,000 | $ 191,500 | $ 130,000 |
| Boston, MA | 2 | $ 930,000 | $ 465,000 | $ 290,000 |
| Brownsville-Harlingen, TX | 2 | $ 330,000 | $ 165,000 | $ 207,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 986,000 | $ 493,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 1,051,000 | $ 525,500 | $ 400,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 1,017,000 | $ 508,500 | $ 246,000 |
| Lubbock, TX | 2 | $ 253,000 | $ 126,500 | $ 101,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 1,336,000 | $ 668,000 | $ 0 |
| Modesto, CA | 2 | $ 651,000 | $ 325,500 | $ 25,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 505,000 | $ 252,500 | $ 125,000 |
| Napa, CA | 2 | $ 1,862,000 | $ 931,000 | $ 0 |
| Savannah, GA | 2 | $ 620,000 | $ 310,000 | $ 104,000 |
| Bremerton-Silverdale, WA | 1 | $ 354,000 | $ 354,000 | $ 254,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 671,000 | $ 671,000 | $ 587,000 |
| Canton-Massillon, OH | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 931,000 | $ 931,000 | $ 0 |
| Cheyenne, WY | 1 | $ 136,000 | $ 136,000 | $ 89,000 |
| Cincinnati, OH-KY-IN | 1 | $ 399,000 | $ 399,000 | $ 2,280,000 |
| Colorado Springs, CO | 1 | $ 141,000 | $ 141,000 | $ 185,000 |
| Columbus, OH | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Dalton, GA | 1 | $ 242,000 | $ 242,000 | $ 85,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 221,000 | $ 221,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 738,000 | $ 738,000 | $ 0 |
| El Paso, TX | 1 | $ 122,000 | $ 122,000 | $ 97,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 360,000 | $ 360,000 | $ 115,000 |
| Fresno, CA | 1 | $ 1,020,000 | $ 1,020,000 | $ 0 |
| Grand Junction, CO | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 873,000 | $ 873,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Homosassa Springs, FL | 1 | $ 100,000 | $ 100,000 | $ 47,000 |
| Jacksonville, FL | 1 | $ 201,000 | $ 201,000 | $ 101,000 |
| Lewiston, ID-WA | 1 | $ 216,000 | $ 216,000 | $ 81,000 |
| Logan, UT-ID | 1 | $ 204,000 | $ 204,000 | $ 58,000 |
| Longview, TX | 1 | $ 212,000 | $ 212,000 | $ 98,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Mobile, AL | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 512,000 | $ 512,000 | $ 113,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 559,000 | $ 559,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 335,000 | $ 335,000 | $ 157,000 |
| Odessa, TX | 1 | $ 584,000 | $ 584,000 | $ 285,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 408,000 | $ 408,000 | $ 134,000 |
| Panama City, FL | 1 | $ 200,000 | $ 200,000 | $ 193,000 |
| Pueblo, CO | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Salem, OR | 1 | $ 592,000 | $ 592,000 | $ 0 |
| San Angelo, TX | 1 | $ 159,000 | $ 159,000 | $ 55,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 320,000 | $ 320,000 | $ 258,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Stockton-Lodi, CA | 1 | $ 130,000 | $ 130,000 | $ 382,000 |
| Urban Honolulu, HI | 1 | $ 660,000 | $ 660,000 | $ 15,000 |
| Vallejo-Fairfield, CA | 1 | $ 1,477,000 | $ 1,477,000 | $ 0 |
| Victoria, TX | 1 | $ 412,000 | $ 412,000 | $ 715,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 172,000 | $ 172,000 | $ 212,000 |
| Walla Walla, WA | 1 | $ 139,000 | $ 139,000 | $ 207,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 117,000 | $ 117,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 911,000 | $ 911,000 | $ 0 |
| Winston-Salem, NC | 1 | $ 100,000 | $ 100,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Nexbank in 2016
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 | 2,449 | $795,811,000 | $324,000 | $2,737,000 | $106,000 | $3,192,000 |
| Refinancing | 2,317 | $822,323,000 | $354,000 | $2,810,000 | $118,000 | $1,139,000 |
| Home Improvement | 30 | $8,907,000 | $296,000 | $780,000 | $115,000 | $340,000 |
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 | 2,710 | $723,206,000 | $266,000 | $2,400,000 | $131,000 | $2,832,000 |
| Asian | 706 | $209,050,000 | $296,000 | $990,000 | $125,000 | $779,000 |
| Not applicable | 607 | $497,716,000 | $819,000 | $2,810,000 | $0 | $0 |
| Hispanic | 350 | $72,728,000 | $207,000 | $863,000 | $88,000 | $498,000 |
| Not Provided | 242 | $76,828,000 | $317,000 | $2,450,000 | $180,000 | $3,192,000 |
| Black or African American | 157 | $40,505,000 | $257,000 | $811,000 | $110,000 | $996,000 |
| American Indian or Alaskan Native | 19 | $5,365,000 | $282,000 | $1,015,000 | $155,000 | $515,000 |
| Native Hawaiin or Other Pacific Islander | 5 | $1,643,000 | $328,000 | $415,000 | $87,000 | $132,000 |
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) | 4,489 | $1,559,603,000 | $347,000 | $2,810,000 | $115,000 | $3,192,000 |
| FHA-insured (Federal Housing Administration) | 219 | $43,981,000 | $200,000 | $459,000 | $70,000 | $336,000 |
| VA-guaranteed (Veterans Administration) | 88 | $23,457,000 | $266,000 | $431,000 | $97,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 3,628 | $971,373,000 | $267,000 | $2,450,000 | $128,000 | $3,192,000 |
| Loan Purchased By The Institution | 607 | $497,716,000 | $819,000 | $2,810,000 | $0 | $0 |
| File Closed For Incompleteness | 251 | $67,197,000 | $267,000 | $2,400,000 | $135,000 | $1,020,000 |
| Application Denied By Financial Institution | 242 | $72,349,000 | $298,000 | $1,320,000 | $133,000 | $1,200,000 |
| Application Approved But Not Accepted | 42 | $10,543,000 | $251,000 | $626,000 | $130,000 | $448,000 |
| Application Withdrawn By Applicant | 26 | $7,863,000 | $302,000 | $578,000 | $163,000 | $494,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Nexbank's 2016 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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