Pioneer Bank, SSB Mortgage Lending & HMDA Data, 2016
In 2016, Pioneer Bank, SSB of Austin, TX reported 1,324 mortgage applications totaling $131.4 million, up 1309% from 2015. The average application was for $99,229, and applicants reported an average income of $161,942. 47% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (616), Dallas-Plano-Irving, TX (383) and San Antonio-New Braunfels, TX (142) (applications in parentheses).
| Mortgage Company & Address | Pioneer Bank, SSB 623 W 38th Street Austin, TX 78705 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 1,324 |
| Total Mortgage Loan Application Amount | $131,380,000 |
| Average Mortgage Loan Application Amount | $99,229 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $161,942 |
| Highest Applicant Income | $6,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pioneer Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 278 | $ 24,855,000 | $ 89,406 | $ 145,000 |
| Collin, Texas | 174 | $ 12,547,000 | $ 72,109 | $ 166,000 |
| Fort Bend, Texas | 165 | $ 10,141,000 | $ 61,460 | $ 171,000 |
| Montgomery, Texas | 125 | $ 9,225,000 | $ 73,800 | $ 170,000 |
| Denton, Texas | 112 | $ 8,484,000 | $ 75,750 | $ 180,000 |
| Bexar, Texas | 104 | $ 6,652,000 | $ 63,961 | $ 140,000 |
| Travis, Texas | 69 | $ 25,463,000 | $ 369,028 | $ 299,000 |
| Dallas, Texas | 63 | $ 9,315,000 | $ 147,857 | $ 151,000 |
| Hays, Texas | 32 | $ 10,801,000 | $ 337,531 | $ 139,000 |
| Brazoria, Texas | 28 | $ 1,450,000 | $ 51,785 | $ 145,000 |
| Williamson, Texas | 18 | $ 1,634,000 | $ 90,777 | $ 151,000 |
| Rockwall, Texas | 16 | $ 951,000 | $ 59,437 | $ 122,000 |
| Galveston, Texas | 15 | $ 892,000 | $ 59,466 | $ 97,000 |
| Kaufman, Texas | 15 | $ 1,114,000 | $ 74,266 | $ 145,000 |
| Tarrant, Texas | 14 | $ 1,567,000 | $ 111,928 | $ 182,000 |
| Comal, Texas | 13 | $ 860,000 | $ 66,153 | $ 156,000 |
| Guadalupe, Texas | 11 | $ 553,000 | $ 50,272 | $ 156,000 |
| McLennan, Texas | 9 | $ 456,000 | $ 50,666 | $ 121,000 |
| Houston, Texas | 7 | $ 322,000 | $ 46,000 | $ 46,000 |
| Medina, Texas | 6 | $ 317,000 | $ 52,833 | $ 173,000 |
| Bosque, Texas | 5 | $ 41,000 | $ 8,200 | $ 41,000 |
| Bell, Texas | 4 | $ 188,000 | $ 47,000 | $ 119,000 |
| Kendall, Texas | 4 | $ 255,000 | $ 63,750 | $ 207,000 |
| Trinity, Texas | 4 | $ 159,000 | $ 39,750 | $ 73,000 |
| Waller, Texas | 4 | $ 208,000 | $ 52,000 | $ 200,000 |
| Atascosa, Texas | 3 | $ 141,000 | $ 47,000 | $ 168,000 |
| Hunt, Texas | 3 | $ 146,000 | $ 48,666 | $ 158,000 |
| Kerr, Texas | 3 | $ 234,000 | $ 78,000 | $ 25,000 |
| Fayette, Texas | 2 | $ 131,000 | $ 65,500 | $ 32,000 |
| Smith, Texas | 2 | $ 106,000 | $ 53,000 | $ 194,000 |
| Shelby, Alabama | 1 | $ 250,000 | $ 250,000 | $ 106,000 |
| Austin, Texas | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Blanco, Texas | 1 | $ 40,000 | $ 40,000 | $ 285,000 |
| Brazos, Texas | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Burnet, Texas | 1 | $ 60,000 | $ 60,000 | $ 130,000 |
| Colorado, Texas | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| Fannin, Texas | 1 | $ 122,000 | $ 122,000 | $ 53,000 |
| Hill, Texas | 1 | $ 38,000 | $ 38,000 | $ 50,000 |
| Limestone, Texas | 1 | $ 44,000 | $ 44,000 | $ 95,000 |
| Llano, Texas | 1 | $ 417,000 | $ 417,000 | $ 417,000 |
| Nueces, Texas | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Walker, Texas | 1 | $ 120,000 | $ 120,000 | $ 28,000 |
| Wharton, Texas | 1 | $ 43,000 | $ 43,000 | $ 126,000 |
| Wilson, Texas | 1 | $ 84,000 | $ 84,000 | $ 135,000 |
| Wise, Texas | 1 | $ 100,000 | $ 100,000 | $ 125,000 |
| Nelson, Virginia | 1 | $ 300,000 | $ 300,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pioneer Bank, SSB 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 Improvement | 1,047 | $59,858,000 | $57,000 | $175,000 | $170,000 | $1,032,000 |
| Home Purchase | 182 | $39,460,000 | $216,000 | $2,150,000 | $126,000 | $6,600,000 |
| Refinancing | 95 | $32,062,000 | $337,000 | $3,500,000 | $142,000 | $1,280,000 |
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 | 792 | $78,143,000 | $98,000 | $2,240,000 | $169,000 | $1,336,000 |
| Hispanic | 181 | $13,077,000 | $72,000 | $638,000 | $139,000 | $540,000 |
| Not Provided | 160 | $18,969,000 | $118,000 | $3,500,000 | $218,000 | $6,600,000 |
| Black or African American | 75 | $6,582,000 | $87,000 | $1,152,000 | $146,000 | $650,000 |
| Asian | 54 | $4,921,000 | $91,000 | $240,000 | $152,000 | $708,000 |
| Not applicable | 53 | $9,313,000 | $175,000 | $1,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $325,000 | $40,000 | $69,000 | $184,000 | $300,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $240,000 | $240,000 |
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) | 1,317 | $130,043,000 | $98,000 | $3,500,000 | $163,000 | $6,600,000 |
| FHA-insured (Federal Housing Administration) | 5 | $647,000 | $129,000 | $147,000 | $48,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 2 | $690,000 | $345,000 | $440,000 | $96,000 | $106,000 |
| 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 | 623 | $66,220,000 | $106,000 | $2,150,000 | $173,000 | $1,336,000 |
| Application Denied By Financial Institution | 548 | $42,850,000 | $78,000 | $3,500,000 | $157,000 | $1,032,000 |
| Loan Purchased By The Institution | 102 | $11,208,000 | $109,000 | $264,000 | $47,000 | $146,000 |
| Application Approved But Not Accepted | 34 | $3,396,000 | $99,000 | $417,000 | $185,000 | $708,000 |
| Application Withdrawn By Applicant | 16 | $7,218,000 | $451,000 | $2,240,000 | $627,000 | $6,600,000 |
| File Closed For Incompleteness | 1 | $488,000 | $488,000 | $488,000 | $522,000 | $522,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 286 | $22,448,000 | $78,000 | $3,500,000 | $126,000 | $421,000 |
| Credit History | 119 | $6,319,000 | $53,000 | $144,000 | $179,000 | $540,000 |
| Collateral | 62 | $6,231,000 | $100,000 | $1,875,000 | $205,000 | $660,000 |
| Unverifiable Information | 44 | $3,362,000 | $76,000 | $300,000 | $219,000 | $1,032,000 |
| Other | 20 | $1,384,000 | $69,000 | $264,000 | $198,000 | $450,000 |
| Credit Application Incomplete | 2 | $125,000 | $62,000 | $65,000 | $122,000 | $132,000 |
| Employment History | 1 | $53,000 | $53,000 | $53,000 | $161,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pioneer Bank, SSB'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 Pioneer 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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