Pointbank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Pointbank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Pointbank 200 S Highway 377 Pilot Point, TX 76258 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,097 |
| Total Mortgage Loan Application Amount | $100,915,000 |
| Average Mortgage Loan Application Amount | $105,848 |
| Highest Mortgage Loan Application Amount | $1,366,000 |
| Average Applicant Income | $77,030 |
| Highest Applicant Income | $1,020,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Pointbank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Pointbank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Pointbank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Pointbank serves its applicants.
Each category highlights the total number of mortgage applications processed by Pointbank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Pointbank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Denton County Texas | 225 | $ 23,335,000 | $ 103,000 | $ 82,000 |
| Tarrant County Texas | 112 | $ 8,530,000 | $ 76,000 | $ 77,000 |
| Grayson County Texas | 59 | $ 4,051,000 | $ 68,000 | $ 56,000 |
| Harris County Texas | 54 | $ 4,929,000 | $ 91,000 | $ 166,000 |
| Dallas County Texas | 41 | $ 3,474,000 | $ 84,000 | $ 79,000 |
| Scott County Iowa | 33 | $ 2,871,000 | $ 87,000 | $ 50,000 |
| St. Louis County Missouri | 30 | $ 2,861,000 | $ 95,000 | $ 53,000 |
| Ellis County Texas | 30 | $ 2,073,000 | $ 69,000 | $ 105,000 |
| Rock Island County Illinois | 25 | $ 1,754,000 | $ 70,000 | $ 51,000 |
| Collin County Texas | 24 | $ 2,822,000 | $ 117,000 | $ 86,000 |
| St. Louis City County Missouri | 22 | $ 1,669,000 | $ 75,000 | $ 65,000 |
| St. Charles County Missouri | 18 | $ 1,749,000 | $ 97,000 | $ 47,000 |
| Adams County Illinois | 17 | $ 1,509,000 | $ 88,000 | $ 34,000 |
| Fort Bend County Texas | 16 | $ 1,105,000 | $ 69,000 | $ 42,000 |
| Catoosa County Georgia | 13 | $ 1,124,000 | $ 86,000 | $ 121,000 |
| Henry County Illinois | 12 | $ 923,000 | $ 76,000 | $ 53,000 |
| Cooke County Texas | 11 | $ 686,000 | $ 62,000 | $ 90,000 |
| Smith County Texas | 11 | $ 1,347,000 | $ 122,000 | $ 77,000 |
| El Paso County Texas | 10 | $ 932,000 | $ 93,000 | $ 104,000 |
| LaSalle County Illinois | 9 | $ 906,000 | $ 100,000 | $ 59,000 |
| Rockwall County Texas | 9 | $ 722,000 | $ 80,000 | $ 53,000 |
| Lee County Florida | 8 | $ 1,081,000 | $ 135,000 | $ 121,000 |
| Stephenson County Illinois | 8 | $ 549,000 | $ 68,000 | $ 65,000 |
| Johnson County Texas | 8 | $ 748,000 | $ 93,000 | $ 101,000 |
| Kaufman County Texas | 8 | $ 429,000 | $ 53,000 | $ 195,000 |
| Clinton County Iowa | 7 | $ 594,000 | $ 84,000 | $ 35,000 |
| Erath County Texas | 7 | $ 671,000 | $ 95,000 | $ 85,000 |
| Madison County Illinois | 6 | $ 425,000 | $ 70,000 | $ 58,000 |
| St. Clair County Illinois | 6 | $ 617,000 | $ 102,000 | $ 43,000 |
| Winnebago County Illinois | 6 | $ 480,000 | $ 80,000 | $ 25,000 |
| DeSoto County Mississippi | 6 | $ 584,000 | $ 97,000 | $ 208,000 |
| Clark County Nevada | 6 | $ 1,127,000 | $ 187,000 | $ 67,000 |
| Hill County Texas | 6 | $ 513,000 | $ 85,000 | $ 74,000 |
| McLennan County Texas | 6 | $ 305,000 | $ 50,000 | $ 25,000 |
| Montgomery County Texas | 6 | $ 1,900,000 | $ 316,000 | $ 176,000 |
| Maricopa County Arizona | 5 | $ 515,000 | $ 103,000 | $ 68,000 |
| Kendall County Illinois | 5 | $ 636,000 | $ 127,000 | $ 36,000 |
| Parker County Texas | 5 | $ 631,000 | $ 126,000 | $ 92,000 |
| Manatee County Florida | 4 | $ 847,000 | $ 211,000 | $ 184,000 |
| Bureau County Illinois | 4 | $ 299,000 | $ 74,000 | $ 43,000 |
| DeKalb County Illinois | 4 | $ 564,000 | $ 141,000 | $ 70,000 |
| Jo Daviess County Illinois | 4 | $ 252,000 | $ 63,000 | $ 43,000 |
| Nelson County Kentucky | 4 | $ 216,000 | $ 54,000 | $ 64,000 |
| Brazoria County Texas | 4 | $ 355,000 | $ 88,000 | $ 66,000 |
| Montague County Texas | 4 | $ 329,000 | $ 82,000 | $ 167,000 |
| Navarro County Texas | 4 | $ 531,000 | $ 132,000 | $ 84,000 |
| Nolan County Texas | 4 | $ 721,000 | $ 180,000 | $ 136,000 |
| Walker County Georgia | 3 | $ 235,000 | $ 78,000 | $ 141,000 |
| Cass County Illinois | 3 | $ 170,000 | $ 56,000 | $ 33,000 |
| Knox County Illinois | 3 | $ 123,000 | $ 41,000 | $ 63,000 |
| Macoupin County Illinois | 3 | $ 208,000 | $ 69,000 | $ 35,000 |
| Des Moines County Iowa | 3 | $ 260,000 | $ 86,000 | $ 37,000 |
| Jefferson County Missouri | 3 | $ 478,000 | $ 159,000 | $ 163,000 |
| Bryan County Oklahoma | 3 | $ 256,000 | $ 85,000 | $ 24,000 |
| Fisher County Texas | 3 | $ 307,000 | $ 102,000 | $ 78,000 |
| Henderson County Texas | 3 | $ 161,000 | $ 53,000 | $ 64,000 |
| Wise County Texas | 3 | $ 338,000 | $ 112,000 | $ 38,000 |
| Santa Rosa County Florida | 2 | $ 147,000 | $ 73,000 | $ 180,000 |
| Fulton County Illinois | 2 | $ 129,000 | $ 64,000 | $ 77,000 |
| McDonough County Illinois | 2 | $ 116,000 | $ 58,000 | $ 36,000 |
| Warren County Illinois | 2 | $ 133,000 | $ 66,000 | $ 36,000 |
| Hardin County Kentucky | 2 | $ 91,000 | $ 45,000 | $ 30,000 |
| Warren County Kentucky | 2 | $ 108,000 | $ 54,000 | $ 65,000 |
| Hancock County Mississippi | 2 | $ 185,000 | $ 92,000 | $ 143,000 |
| Franklin County Missouri | 2 | $ 80,000 | $ 40,000 | $ 216,000 |
| Greene County Missouri | 2 | $ 114,000 | $ 57,000 | $ 36,000 |
| Ste. Genevieve County Missouri | 2 | $ 113,000 | $ 56,000 | $ 41,000 |
| Warren County Missouri | 2 | $ 135,000 | $ 67,000 | $ 37,000 |
| Canadian County Oklahoma | 2 | $ 114,000 | $ 57,000 | $ 240,000 |
| Oklahoma County Oklahoma | 2 | $ 95,000 | $ 47,000 | $ 0 |
| Shelby County Tennessee | 2 | $ 135,000 | $ 67,000 | $ 94,000 |
| Fannin County Texas | 2 | $ 117,000 | $ 58,000 | $ 52,000 |
| Galveston County Texas | 2 | $ 139,000 | $ 69,000 | $ 120,000 |
| Hamilton County Texas | 2 | $ 55,000 | $ 27,000 | $ 29,000 |
| Hunt County Texas | 2 | $ 175,000 | $ 87,000 | $ 55,000 |
| Somervell County Texas | 2 | $ 449,000 | $ 224,000 | $ 88,000 |
| Walker County Texas | 2 | $ 107,000 | $ 53,000 | $ 0 |
| Salt Lake County Utah | 2 | $ 223,000 | $ 111,000 | $ 52,000 |
| Rock County Wisconsin | 2 | $ 83,000 | $ 41,000 | $ 18,000 |
| Cochise County Arizona | 1 | $ 40,000 | $ 40,000 | $ 74,000 |
| Pima County Arizona | 1 | $ 21,000 | $ 21,000 | $ 72,000 |
| Faulkner County Arkansas | 1 | $ 141,000 | $ 141,000 | $ 52,000 |
| Hillsborough County Florida | 1 | $ 168,000 | $ 168,000 | $ 240,000 |
| Orange County Florida | 1 | $ 167,000 | $ 167,000 | $ 59,000 |
| Palm Beach County Florida | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Brown County Illinois | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| DuPage County Illinois | 1 | $ 400,000 | $ 400,000 | $ 100,000 |
| Hancock County Illinois | 1 | $ 128,000 | $ 128,000 | $ 91,000 |
| Kane County Illinois | 1 | $ 400,000 | $ 400,000 | $ 73,000 |
| Mason County Illinois | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Monroe County Illinois | 1 | $ 178,000 | $ 178,000 | $ 86,000 |
| Ogle County Illinois | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Peoria County Illinois | 1 | $ 84,000 | $ 84,000 | $ 35,000 |
| Sangamon County Illinois | 1 | $ 111,000 | $ 111,000 | $ 91,000 |
| Whiteside County Illinois | 1 | $ 68,000 | $ 68,000 | $ 27,000 |
| Cedar County Iowa | 1 | $ 81,000 | $ 81,000 | $ 49,000 |
| Dubuque County Iowa | 1 | $ 67,000 | $ 67,000 | $ 48,000 |
| Greene County Iowa | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Jasper County Iowa | 1 | $ 80,000 | $ 80,000 | $ 14,000 |
| Lee County Iowa | 1 | $ 30,000 | $ 30,000 | $ 29,000 |
| Louisa County Iowa | 1 | $ 48,000 | $ 48,000 | $ 25,000 |
| Polk County Iowa | 1 | $ 162,000 | $ 162,000 | $ 48,000 |
| Greenup County Kentucky | 1 | $ 81,000 | $ 81,000 | $ 61,000 |
| Jefferson County Kentucky | 1 | $ 62,000 | $ 62,000 | $ 48,000 |
| McCracken County Kentucky | 1 | $ 58,000 | $ 58,000 | $ 21,000 |
| Scott County Kentucky | 1 | $ 164,000 | $ 164,000 | $ 72,000 |
| Queen Anne's County Maryland | 1 | $ 504,000 | $ 504,000 | $ 242,000 |
| Clay County Missouri | 1 | $ 204,000 | $ 204,000 | $ 240,000 |
| Cole County Missouri | 1 | $ 54,000 | $ 54,000 | $ 61,000 |
| Perry County Missouri | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Dona Ana County New Mexico | 1 | $ 94,000 | $ 94,000 | $ 31,000 |
| Franklin County Ohio | 1 | $ 122,000 | $ 122,000 | $ 240,000 |
| Cleveland County Oklahoma | 1 | $ 106,000 | $ 106,000 | $ 59,000 |
| Grady County Oklahoma | 1 | $ 36,000 | $ 36,000 | $ 52,000 |
| McCurtain County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 216,000 |
| Brazos County Texas | 1 | $ 19,000 | $ 19,000 | $ 66,000 |
| Callahan County Texas | 1 | $ 580,000 | $ 580,000 | $ 195,000 |
| Hood County Texas | 1 | $ 118,000 | $ 118,000 | $ 36,000 |
| Nueces County Texas | 1 | $ 56,000 | $ 56,000 | $ 67,000 |
| Taylor County Texas | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Travis County Texas | 1 | $ 120,000 | $ 120,000 | $ 182,000 |
| Williamson County Texas | 1 | $ 122,000 | $ 122,000 | $ 181,000 |
| Green County Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Lafayette County Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 18,000 |
| Walworth County Wisconsin | 1 | $ 16,000 | $ 16,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Pointbank in 2005
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 | 800 | $69,653,000 | $119,941 | $1,366,000 | $92,529 | $720,000 |
| Refinancing | 270 | $29,148,000 | $99,090 | $949,000 | $68,181 | $1,020,000 |
| Home Improvement | 27 | $2,114,000 | $72,800 | $311,000 | $43,800 | $168,000 |
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 | 799 | $74,706,000 | $121,722 | $1,366,000 | $93,611 | $1,020,000 |
| Not Provided | 102 | $10,357,000 | $90,416 | $413,000 | $82,083 | $341,000 |
| Hispanic | 79 | $6,156,000 | $80,500 | $233,000 | $40,750 | $224,000 |
| Black or African American | 68 | $5,389,000 | $63,000 | $1,000,000 | $34,750 | $372,000 |
| Asian | 28 | $2,479,000 | $134,333 | $412,000 | $101,333 | $300,000 |
| American Indian or Alaskan Native | 8 | $476,000 | $60,750 | $156,000 | $29,750 | $40,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $585,000 | $69,000 | $130,000 | $56,500 | $183,000 |
| Not applicable | 5 | $767,000 | $153,000 | $300,000 | $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) | 1,081 | $99,042,000 | $117,947 | $1,366,000 | $90,894 | $1,020,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,526,000 | $124,333 | $179,000 | $28,333 | $82,000 |
| VA-guaranteed (Veterans Administration) | 2 | $271,000 | $135,000 | $153,000 | $80,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $76,000 | $76,000 | $76,000 | $23,000 | $23,000 |
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 | 856 | $72,675,000 | $96,705 | $960,000 | $94,235 | $580,000 |
| Application Withdrawn By Applicant | 154 | $18,710,000 | $144,500 | $1,000,000 | $76,500 | $1,020,000 |
| Application Denied By Financial Institution | 76 | $8,341,000 | $103,000 | $1,366,000 | $43,285 | $249,000 |
| Application Approved But Not Accepted | 9 | $1,112,000 | $79,333 | $300,000 | $118,333 | $720,000 |
| File Closed For Incompleteness | 2 | $77,000 | $38,000 | $62,000 | $59,000 | $59,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 52 | $4,596,000 | $78,000 | $400,000 | $39,857 | $92,000 |
| Debt-To-Income Ratio | 9 | $2,049,000 | $210,800 | $1,366,000 | $32,600 | $50,000 |
| Collateral | 7 | $547,000 | $79,500 | $100,000 | $38,500 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $302,000 | $105,500 | $162,000 | $60,000 | $72,000 |
| Other | 3 | $650,000 | $216,000 | $471,000 | $220,000 | $249,000 |
| Employment History | 2 | $197,000 | $98,500 | $143,000 | $29,000 | $38,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pointbank's 2005 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 Pointbank'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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.