Plainscapital Bank Mortgage Lending & HMDA Data, 2014

In 2014, Plainscapital Bank of Dallas, TX reported 412 mortgage applications totaling $305.5 million, up 28% from 2013. The average application was for $741,614, and applicants reported an average income of $304,946. 57% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dallas-Plano-Irving, TX (88), Fort Worth-Arlington, TX (67) and Austin-Round Rock, TX (57) (applications in parentheses).

Mortgage Company & Address Plainscapital Bank
6565 Hillcrest Ave
Dallas, TX 75205
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 412
Total Mortgage Loan Application Amount $305,545,000
Average Mortgage Loan Application Amount $741,614
Highest Mortgage Loan Application Amount $33,370,000
Average Applicant Income $304,946
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Plainscapital Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Plainscapital Bank by County in 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Dallas, Texas 53 $ 40,617,000 $ 766,358 $ 577,000
Travis, Texas 51 $ 32,932,000 $ 645,725 $ 320,000
Tarrant, Texas 38 $ 20,174,000 $ 530,894 $ 84,000
Lubbock, Texas 32 $ 2,933,000 $ 91,656 $ 101,000
Collin, Texas 22 $ 10,118,000 $ 459,909 $ 245,000
Parker, Texas 19 $ 6,157,000 $ 324,052 $ 50,000
Hidalgo, Texas 16 $ 1,874,000 $ 117,125 $ 48,000
Cameron, Texas 11 $ 950,000 $ 86,363 $ 58,000
Denton, Texas 11 $ 4,669,000 $ 424,454 $ 311,000
Los Angeles, California 7 $ 8,940,000 $ 1,277,142 $ 174,000
Orange, California 7 $ 6,933,000 $ 990,428 $ 424,000
Johnson, Texas 7 $ 936,000 $ 133,714 $ 0
Harris, Texas 6 $ 19,762,000 $ 3,293,666 $ 175,000
Nueces, Texas 6 $ 1,259,000 $ 209,833 $ 374,000
Victoria, Texas 5 $ 18,825,000 $ 3,765,000 $ 31,000
Bexar, Texas 4 $ 1,710,000 $ 427,500 $ 390,000
Maricopa, Arizona 3 $ 2,806,000 $ 935,333 $ 2,368,000
Fairfield, Connecticut 3 $ 3,160,000 $ 1,053,333 $ 344,000
DuPage, Illinois 3 $ 3,326,000 $ 1,108,666 $ 384,000
Hennepin, Minnesota 3 $ 1,504,000 $ 501,333 $ 246,000
Williamson, Texas 3 $ 1,278,000 $ 426,000 $ 100,000
Wise, Texas 3 $ 427,000 $ 142,333 $ 0
King, Washington 3 $ 4,215,000 $ 1,405,000 $ 2,139,000
Contra Costa, California 2 $ 1,424,000 $ 712,000 $ 299,000
Riverside, California 2 $ 1,413,000 $ 706,500 $ 257,000
San Bernardino, California 2 $ 1,266,000 $ 633,000 $ 253,000
San Diego, California 2 $ 1,735,000 $ 867,500 $ 225,000
Arapahoe, Colorado 2 $ 1,280,000 $ 640,000 $ 214,000
Palm Beach, Florida 2 $ 998,000 $ 499,000 $ 302,000
Clay, Missouri 2 $ 1,239,000 $ 619,500 $ 240,000
El Paso, Texas 2 $ 983,000 $ 491,500 $ 227,000
Hall, Texas 2 $ 143,000 $ 71,500 $ 45,000
Hays, Texas 2 $ 293,000 $ 146,500 $ 0
Howard, Texas 2 $ 859,000 $ 429,500 $ 0
Maverick, Texas 2 $ 367,000 $ 183,500 $ 87,000
Chesterfield, Virginia 2 $ 1,095,000 $ 547,500 $ 269,000
Henrico, Virginia 2 $ 1,355,000 $ 677,500 $ 228,000
Pierce, Washington 2 $ 1,759,000 $ 879,500 $ 389,000
Alameda, California 1 $ 816,000 $ 816,000 $ 329,000
Monterey, California 1 $ 578,000 $ 578,000 $ 115,000
Placer, California 1 $ 2,133,000 $ 2,133,000 $ 3,115,000
Santa Clara, California 1 $ 1,436,000 $ 1,436,000 $ 1,935,000
Sonoma, California 1 $ 598,000 $ 598,000 $ 170,000
Broomfield, Colorado 1 $ 1,037,000 $ 1,037,000 $ 418,000
Denver, Colorado 1 $ 965,000 $ 965,000 $ 334,000
Eagle, Colorado 1 $ 330,000 $ 330,000 $ 78,000
Jefferson, Colorado 1 $ 595,000 $ 595,000 $ 160,000
Pitkin, Colorado 1 $ 620,000 $ 620,000 $ 5,000,000
Sussex, Delaware 1 $ 649,000 $ 649,000 $ 281,000
District of Columbia, District Of Columbia 1 $ 998,000 $ 998,000 $ 305,000
Monroe, Florida 1 $ 459,000 $ 459,000 $ 0
Okaloosa, Florida 1 $ 500,000 $ 500,000 $ 1,218,000
Walton, Florida 1 $ 850,000 $ 850,000 $ 0
Fulton, Georgia 1 $ 1,000,000 $ 1,000,000 $ 430,000
Cook, Illinois 1 $ 1,294,000 $ 1,294,000 $ 250,000
Lake, Illinois 1 $ 830,000 $ 830,000 $ 404,000
Monroe, Indiana 1 $ 624,000 $ 624,000 $ 446,000
Johnson, Kansas 1 $ 880,000 $ 880,000 $ 300,000
Anne Arundel, Maryland 1 $ 836,000 $ 836,000 $ 459,000
Plymouth, Massachusetts 1 $ 820,000 $ 820,000 $ 360,000
Benzie, Michigan 1 $ 85,000 $ 85,000 $ 0
Oakland, Michigan 1 $ 453,000 $ 453,000 $ 336,000
Wayne, Michigan 1 $ 825,000 $ 825,000 $ 268,000
Jackson, Missouri 1 $ 440,000 $ 440,000 $ 506,000
Newton, Missouri 1 $ 420,000 $ 420,000 $ 160,000
Clark, Nevada 1 $ 500,000 $ 500,000 $ 407,000
Dona Ana, New Mexico 1 $ 60,000 $ 60,000 $ 689,000
Santa Fe, New Mexico 1 $ 338,000 $ 338,000 $ 0
Buncombe, North Carolina 1 $ 556,000 $ 556,000 $ 640,000
Cabarrus, North Carolina 1 $ 501,000 $ 501,000 $ 287,000
Iredell, North Carolina 1 $ 593,000 $ 593,000 $ 225,000
Wake, North Carolina 1 $ 420,000 $ 420,000 $ 154,000
Montgomery, Ohio 1 $ 508,000 $ 508,000 $ 2,386,000
Washington, Oregon 1 $ 508,000 $ 508,000 $ 158,000
Chester, Pennsylvania 1 $ 634,000 $ 634,000 $ 590,000
Lancaster, Pennsylvania 1 $ 423,000 $ 423,000 $ 208,000
Montgomery, Pennsylvania 1 $ 438,000 $ 438,000 $ 165,000
Philadelphia, Pennsylvania 1 $ 1,045,000 $ 1,045,000 $ 249,000
Davidson, Tennessee 1 $ 33,370,000 $ 33,370,000 $ 0
Aransas, Texas 1 $ 1,525,000 $ 1,525,000 $ 0
Blanco, Texas 1 $ 210,000 $ 210,000 $ 972,000
Brazoria, Texas 1 $ 499,000 $ 499,000 $ 401,000
Brazos, Texas 1 $ 203,000 $ 203,000 $ 0
Caldwell, Texas 1 $ 449,000 $ 449,000 $ 509,000
Cooke, Texas 1 $ 877,000 $ 877,000 $ 1,067,000
Dickens, Texas 1 $ 35,000 $ 35,000 $ 55,000
Erath, Texas 1 $ 325,000 $ 325,000 $ 151,000
Fort Bend, Texas 1 $ 458,000 $ 458,000 $ 180,000
Garza, Texas 1 $ 1,694,000 $ 1,694,000 $ 0
Henderson, Texas 1 $ 450,000 $ 450,000 $ 0
Kaufman, Texas 1 $ 50,000 $ 50,000 $ 140,000
Kendall, Texas 1 $ 288,000 $ 288,000 $ 221,000
Live Oak, Texas 1 $ 43,000 $ 43,000 $ 106,000
McLennan, Texas 1 $ 16,180,000 $ 16,180,000 $ 0
Montgomery, Texas 1 $ 1,018,000 $ 1,018,000 $ 341,000
Potter, Texas 1 $ 48,000 $ 48,000 $ 201,000
Randall, Texas 1 $ 6,000,000 $ 6,000,000 $ 0
Rockwall, Texas 1 $ 216,000 $ 216,000 $ 0
Smith, Texas 1 $ 476,000 $ 476,000 $ 765,000
Starr, Texas 1 $ 36,000 $ 36,000 $ 45,000
Taylor, Texas 1 $ 75,000 $ 75,000 $ 0
Webb, Texas 1 $ 54,000 $ 54,000 $ 60,000
Fairfax, Virginia 1 $ 699,000 $ 699,000 $ 251,000
Milwaukee, Wisconsin 1 $ 958,000 $ 958,000 $ 317,000

Mortgage Loan Application Detail Totals for Plainscapital Bank in 2014

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 293 $212,095,000 $723,000 $33,370,000 $314,000 $9,999,000
Refinancing 99 $86,744,000 $876,000 $17,550,000 $284,000 $6,627,000
Home Improvement 20 $6,706,000 $335,000 $1,211,000 $276,000 $1,092,000

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 196 $124,010,000 $632,000 $4,000,000 $551,000 $9,999,000
Not applicable 135 $144,820,000 $1,072,000 $33,370,000 $0 $0
Hispanic 36 $6,100,000 $169,000 $853,000 $101,000 $307,000
Not Provided 30 $21,039,000 $701,000 $1,880,000 $349,000 $1,050,000
Asian 8 $5,528,000 $691,000 $994,000 $262,000 $406,000
Black or African American 5 $3,618,000 $723,000 $1,040,000 $273,000 $460,000
American Indian or Alaskan Native 2 $430,000 $215,000 $330,000 $143,000 $208,000
Native Hawaiian or Other Pacific Islander 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) 412 $305,545,000 $741,000 $33,370,000 $305,000 $9,999,000
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 234 $179,591,000 $767,000 $33,370,000 $177,000 $3,879,000
Loan Purchased By The Institution 140 $105,075,000 $750,000 $2,895,000 $434,000 $6,627,000
Application Denied By Financial Institution 22 $13,115,000 $596,000 $4,000,000 $620,000 $9,999,000
Application Withdrawn By Applicant 8 $3,963,000 $495,000 $1,286,000 $958,000 $5,000,000
Application Approved But Not Accepted 7 $2,901,000 $414,000 $1,400,000 $200,000 $530,000
File Closed For Incompleteness 1 $900,000 $900,000 $900,000 $896,000 $896,000
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 Plainscapital Bank's 2014 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 Plainscapital Bank'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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