Patriot Bank Mortgage Mortgage Lending & HMDA Data, 2015
In 2015, Patriot Bank Mortgage of Houston, TX reported 1,324 mortgage applications totaling $314.4 million, down 26% from 2014. The average application was for $237,449, and applicants reported an average income of $122,293. 54% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (411), Dallas-Plano-Irving, TX (90) and Austin-Round Rock, TX (52) (applications in parentheses).
| Mortgage Company & Address | Patriot Bank Mortgage 7670 Woodway, Suite 162 Houston, TX 77063 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 1,324 |
| Total Mortgage Loan Application Amount | $314,383,000 |
| Average Mortgage Loan Application Amount | $237,449 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $122,293 |
| Highest Applicant Income | $1,740,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Patriot Bank Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 411 | $ 108,022,000 | $ 262,827 | $ 133,000 |
| Dallas-Plano-Irving, TX | 90 | $ 19,152,000 | $ 212,800 | $ 123,000 |
| Austin-Round Rock, TX | 52 | $ 12,047,000 | $ 231,673 | $ 123,000 |
| Seattle-Bellevue-Everett, WA | 52 | $ 15,437,000 | $ 296,865 | $ 119,000 |
| Fort Worth-Arlington, TX | 49 | $ 9,127,000 | $ 186,265 | $ 128,000 |
| Atlanta-Sandy Springs-Roswell, GA | 33 | $ 6,589,000 | $ 199,666 | $ 126,000 |
| San Antonio-New Braunfels, TX | 31 | $ 6,408,000 | $ 206,709 | $ 102,000 |
| Denver-Aurora-Lakewood, CO | 30 | $ 7,434,000 | $ 247,800 | $ 95,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 30 | $ 7,930,000 | $ 264,333 | $ 132,600 |
| Chicago-Naperville-Arlington Heights, IL | 28 | $ 7,099,000 | $ 253,535 | $ 125,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 28 | $ 7,669,000 | $ 273,892 | $ 121,285 |
| Victoria, TX | 21 | $ 4,938,000 | $ 235,142 | $ 149,000 |
| Warren-Troy-Farmington Hills, MI | 16 | $ 3,342,000 | $ 208,875 | $ 129,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 3,007,000 | $ 214,785 | $ 98,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 2,976,000 | $ 248,000 | $ 96,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 3,241,000 | $ 270,083 | $ 104,000 |
| Reno, NV | 12 | $ 3,012,000 | $ 251,000 | $ 87,000 |
| College Station-Bryan, TX | 11 | $ 2,084,000 | $ 189,454 | $ 99,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 2,269,000 | $ 206,272 | $ 115,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 2,020,000 | $ 202,000 | $ 95,000 |
| Corpus Christi, TX | 10 | $ 2,089,000 | $ 208,900 | $ 90,000 |
| Las Vegas-Henderson-Paradise, NV | 8 | $ 1,493,000 | $ 186,625 | $ 90,000 |
| Tacoma-Lakewood, WA | 8 | $ 1,989,000 | $ 248,625 | $ 135,000 |
| Colorado Springs, CO | 7 | $ 1,586,000 | $ 226,571 | $ 84,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 1,614,000 | $ 230,571 | $ 98,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 1,124,000 | $ 187,333 | $ 89,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 2,179,000 | $ 363,166 | $ 138,000 |
| Ann Arbor, MI | 5 | $ 1,080,000 | $ 216,000 | $ 74,000 |
| Baton Rouge, LA | 5 | $ 1,044,000 | $ 208,800 | $ 135,000 |
| Cleveland-Elyria, OH | 5 | $ 783,000 | $ 156,600 | $ 71,000 |
| Jacksonville, FL | 5 | $ 1,100,000 | $ 220,000 | $ 127,000 |
| Kansas City, MO-KS | 5 | $ 1,272,000 | $ 254,400 | $ 125,600 |
| Knoxville, TN | 5 | $ 1,501,000 | $ 300,200 | $ 122,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 532,000 | $ 106,400 | $ 79,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 927,000 | $ 185,400 | $ 107,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 970,000 | $ 194,000 | $ 112,000 |
| Salt Lake City, UT | 5 | $ 1,103,000 | $ 220,600 | $ 75,000 |
| St. Louis, MO-IL | 5 | $ 978,000 | $ 195,600 | $ 116,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 1,208,000 | $ 302,000 | $ 147,000 |
| Beaumont-Port Arthur, TX | 4 | $ 638,000 | $ 159,500 | $ 93,000 |
| Chattanooga, TN-GA | 4 | $ 880,000 | $ 220,000 | $ 110,000 |
| Detroit-Dearborn-Livonia, MI | 4 | $ 652,000 | $ 163,000 | $ 80,000 |
| Killeen-Temple, TX | 4 | $ 809,000 | $ 202,250 | $ 96,000 |
| Olympia-Tumwater, WA | 4 | $ 744,000 | $ 186,000 | $ 105,000 |
| Richmond, VA | 4 | $ 1,004,000 | $ 251,000 | $ 82,000 |
| Spokane-Spokane Valley, WA | 4 | $ 797,000 | $ 199,250 | $ 76,000 |
| Albuquerque, NM | 3 | $ 649,000 | $ 216,333 | $ 96,000 |
| Columbus, OH | 3 | $ 739,000 | $ 246,333 | $ 97,000 |
| El Paso, TX | 3 | $ 560,000 | $ 186,666 | $ 109,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 601,000 | $ 200,333 | $ 125,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 578,000 | $ 192,666 | $ 139,000 |
| Lakeland-Winter Haven, FL | 3 | $ 403,000 | $ 134,333 | $ 79,000 |
| Laredo, TX | 3 | $ 351,000 | $ 117,000 | $ 89,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,217,000 | $ 405,666 | $ 114,000 |
| Lubbock, TX | 3 | $ 645,000 | $ 215,000 | $ 487,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 892,000 | $ 297,333 | $ 140,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 603,000 | $ 201,000 | $ 97,666 |
| Ogden-Clearfield, UT | 3 | $ 662,000 | $ 220,666 | $ 126,000 |
| Sherman-Denison, TX | 3 | $ 864,000 | $ 288,000 | $ 151,000 |
| Wilmington, NC | 3 | $ 559,000 | $ 186,333 | $ 41,000 |
| Bellingham, WA | 2 | $ 616,000 | $ 308,000 | $ 72,000 |
| Billings, MT | 2 | $ 337,000 | $ 168,500 | $ 91,000 |
| Birmingham-Hoover, AL | 2 | $ 450,000 | $ 225,000 | $ 323,000 |
| Charleston-North Charleston, SC | 2 | $ 554,000 | $ 277,000 | $ 111,000 |
| Cincinnati, OH-KY-IN | 2 | $ 359,000 | $ 179,500 | $ 100,500 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 217,000 | $ 108,500 | $ 87,000 |
| Fort Collins, CO | 2 | $ 456,000 | $ 228,000 | $ 110,000 |
| Gary, IN | 2 | $ 433,000 | $ 216,500 | $ 131,000 |
| Lexington-Fayette, KY | 2 | $ 570,000 | $ 285,000 | $ 117,000 |
| Logan, UT-ID | 2 | $ 720,000 | $ 360,000 | $ 149,000 |
| Memphis, TN-MS-AR | 2 | $ 428,000 | $ 214,000 | $ 127,000 |
| Midland, TX | 2 | $ 391,000 | $ 195,500 | $ 103,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 581,000 | $ 290,500 | $ 80,000 |
| Niles-Benton Harbor, MI | 2 | $ 538,000 | $ 269,000 | $ 109,000 |
| Oklahoma City, OK | 2 | $ 291,000 | $ 145,500 | $ 79,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 269,000 | $ 134,500 | $ 108,000 |
| Pittsburgh, PA | 2 | $ 306,000 | $ 153,000 | $ 109,000 |
| Pocatello, ID | 2 | $ 267,000 | $ 133,500 | $ 73,000 |
| Port St. Lucie, FL | 2 | $ 419,000 | $ 209,500 | $ 83,000 |
| Raleigh, NC | 2 | $ 559,000 | $ 279,500 | $ 103,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 513,000 | $ 256,500 | $ 139,000 |
| Silver Spring-Frederick-Rockville, MD | 2 | $ 376,000 | $ 188,000 | $ 60,000 |
| Winchester, VA-WV | 2 | $ 322,000 | $ 161,000 | $ 114,000 |
| Akron, OH | 1 | $ 322,000 | $ 322,000 | $ 192,000 |
| Athens-Clarke County, GA | 1 | $ 150,000 | $ 150,000 | $ 137,000 |
| Boise City, ID | 1 | $ 128,000 | $ 128,000 | $ 65,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 405,000 | $ 405,000 | $ 206,000 |
| Brownsville-Harlingen, TX | 1 | $ 211,000 | $ 211,000 | $ 205,000 |
| Charlottesville, VA | 1 | $ 265,000 | $ 265,000 | $ 116,000 |
| Coeur D'Alene, ID | 1 | $ 219,000 | $ 219,000 | $ 79,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 229,000 | $ 229,000 | $ 97,000 |
| Dayton, OH | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Des Moines-West Des Moines, IA | 1 | $ 113,000 | $ 113,000 | $ 81,000 |
| Durham-Chapel Hill, NC | 1 | $ 416,000 | $ 416,000 | $ 193,000 |
| Elkhart-Goshen, IN | 1 | $ 243,000 | $ 243,000 | $ 120,000 |
| Eugene, OR | 1 | $ 194,000 | $ 194,000 | $ 117,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 164,000 | $ 164,000 | $ 134,000 |
| Flint, MI | 1 | $ 106,000 | $ 106,000 | $ 74,000 |
| Grants Pass, OR | 1 | $ 256,000 | $ 256,000 | $ 87,000 |
| Green Bay, WI | 1 | $ 288,000 | $ 288,000 | $ 514,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 219,000 | $ 219,000 | $ 187,000 |
| Lake Charles, LA | 1 | $ 214,000 | $ 214,000 | $ 85,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 465,000 | $ 465,000 | $ 165,000 |
| Lancaster, PA | 1 | $ 252,000 | $ 252,000 | $ 120,000 |
| Longview, WA | 1 | $ 269,000 | $ 269,000 | $ 74,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 214,000 | $ 214,000 | $ 119,000 |
| Lynchburg, VA | 1 | $ 115,000 | $ 115,000 | $ 20,000 |
| Michigan City-La Porte, IN | 1 | $ 290,000 | $ 290,000 | $ 183,000 |
| Missoula, MT | 1 | $ 140,000 | $ 140,000 | $ 33,000 |
| Modesto, CA | 1 | $ 238,000 | $ 238,000 | $ 108,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 258,000 | $ 258,000 | $ 170,000 |
| New Bern, NC | 1 | $ 351,000 | $ 351,000 | $ 121,000 |
| Oshkosh-Neenah, WI | 1 | $ 65,000 | $ 65,000 | $ 379,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 147,000 | $ 147,000 | $ 66,000 |
| Provo-Orem, UT | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Pueblo, CO | 1 | $ 226,000 | $ 226,000 | $ 192,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 263,000 | $ 263,000 | $ 49,000 |
| Saginaw, MI | 1 | $ 104,000 | $ 104,000 | $ 98,000 |
| San Angelo, TX | 1 | $ 103,000 | $ 103,000 | $ 54,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 626,000 | $ 626,000 | $ 115,000 |
| Sebastian-Vero Beach, FL | 1 | $ 141,000 | $ 141,000 | $ 1,740,000 |
| Spartanburg, SC | 1 | $ 111,000 | $ 111,000 | $ 63,000 |
| St. George, UT | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Tallahassee, FL | 1 | $ 389,000 | $ 389,000 | $ 101,000 |
| Toledo, OH | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Tyler, TX | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Vallejo-Fairfield, CA | 1 | $ 150,000 | $ 150,000 | $ 105,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 104,000 | $ 104,000 | $ 109,000 |
| Waco, TX | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Walla Walla, WA | 1 | $ 177,000 | $ 177,000 | $ 51,000 |
| Wenatchee, WA | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Wichita Falls, TX | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Winston-Salem, NC | 1 | $ 289,000 | $ 289,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for Patriot Bank Mortgage in 2015
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 | 876 | $202,486,000 | $231,000 | $1,900,000 | $125,000 | $1,740,000 |
| Home Purchase | 448 | $111,897,000 | $249,000 | $1,650,000 | $117,000 | $643,000 |
| 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 | 774 | $188,925,000 | $244,000 | $1,900,000 | $127,000 | $1,740,000 |
| Not Provided | 222 | $50,061,000 | $225,000 | $712,000 | $120,000 | $514,000 |
| Hispanic | 148 | $30,260,000 | $204,000 | $750,000 | $98,000 | $237,000 |
| Asian | 124 | $32,394,000 | $261,000 | $920,000 | $131,000 | $450,000 |
| Black or African American | 45 | $10,347,000 | $229,000 | $800,000 | $106,000 | $278,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,268,000 | $211,000 | $348,000 | $97,000 | $150,000 |
| American Indian or Alaskan Native | 5 | $1,128,000 | $225,000 | $300,000 | $144,000 | $274,000 |
| 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) | 1,229 | $295,311,000 | $240,000 | $1,900,000 | $125,000 | $1,740,000 |
| FHA-insured (Federal Housing Administration) | 70 | $13,264,000 | $189,000 | $315,000 | $84,000 | $296,000 |
| VA-guaranteed (Veterans Administration) | 23 | $5,535,000 | $240,000 | $429,000 | $94,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $273,000 | $136,000 | $166,000 | $43,000 | $53,000 |
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 | 715 | $165,270,000 | $231,000 | $1,900,000 | $121,000 | $643,000 |
| Application Withdrawn By Applicant | 324 | $82,423,000 | $254,000 | $1,500,000 | $132,000 | $1,101,000 |
| Application Denied By Financial Institution | 148 | $34,579,000 | $233,000 | $900,000 | $95,000 | $323,000 |
| File Closed For Incompleteness | 93 | $21,652,000 | $232,000 | $740,000 | $144,000 | $1,740,000 |
| Application Approved But Not Accepted | 44 | $10,459,000 | $237,000 | $999,000 | $110,000 | $451,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Patriot Bank Mortgage's 2015 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 Patriot Bank Mortgage'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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