Pointbank Mortgage Lending & HMDA Data, 2006
In 2006, Pointbank of Pilot Point, TX reported 3,719 mortgage applications totaling $395.8 million, up 239% from 2005. The average application was for $106,422, and applicants reported an average income of $73,508. 49% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Dallas-Plano-Irving, TX (690), St. Louis, MO-IL (371) and Fort Worth-Arlington, TX (271) (applications in parentheses).
| 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 | 3,719 |
| Total Mortgage Loan Application Amount | $395,787,000 |
| Average Mortgage Loan Application Amount | $106,422 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $73,508 |
| Highest Applicant Income | $6,030,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pointbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 690 | $ 77,504,000 | $ 112,324 | $ 88,000 |
| St. Louis, MO-IL | 371 | $ 36,783,000 | $ 99,145 | $ 80,234 |
| Fort Worth-Arlington, TX | 271 | $ 28,159,000 | $ 103,907 | $ 78,000 |
| Phoenix-Mesa-Scottsdale, AZ | 224 | $ 31,715,000 | $ 141,584 | $ 80,000 |
| Davenport-Moline-Rock Island, IA-IL | 184 | $ 14,450,000 | $ 78,532 | $ 41,782 |
| Sherman-Denison, TX | 128 | $ 11,097,000 | $ 86,695 | $ 60,000 |
| Houston-Sugar Land-Baytown, TX | 79 | $ 7,399,000 | $ 93,658 | $ 62,000 |
| Tucson, AZ | 76 | $ 10,071,000 | $ 132,513 | $ 68,000 |
| Tyler, TX | 48 | $ 4,754,000 | $ 99,041 | $ 92,000 |
| Louisville-Jefferson County, KY-IN | 30 | $ 1,449,000 | $ 48,300 | $ 220,000 |
| Peoria, IL | 20 | $ 1,627,000 | $ 81,350 | $ 28,000 |
| El Paso, TX | 17 | $ 1,405,000 | $ 82,647 | $ 37,000 |
| Memphis, TN-MS-AR | 17 | $ 1,170,000 | $ 68,823 | $ 253,235 |
| Decatur, IL | 14 | $ 1,247,000 | $ 89,071 | $ 119,000 |
| Riverside-San Bernardino-Ontario, CA | 14 | $ 3,432,000 | $ 245,142 | $ 153,000 |
| Indianapolis-Carmel, IN | 12 | $ 1,741,000 | $ 145,083 | $ 259,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 1,720,000 | $ 172,000 | $ 82,000 |
| Waco, TX | 10 | $ 724,000 | $ 72,400 | $ 52,000 |
| Las Vegas-Paradise, NV | 9 | $ 1,122,000 | $ 124,666 | $ 112,000 |
| Longview, TX | 8 | $ 461,000 | $ 57,625 | $ 57,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,898,000 | $ 237,250 | $ 178,000 |
| San Angelo, TX | 8 | $ 692,000 | $ 86,500 | $ 52,000 |
| Texarkana, Tx-Texarkana, AR | 8 | $ 577,000 | $ 72,125 | $ 46,250 |
| Chicago-Naperville-Joliet, IL | 7 | $ 1,724,000 | $ 246,285 | $ 163,000 |
| Gary, IN | 7 | $ 366,000 | $ 52,285 | $ 158,000 |
| Las Cruces, NM | 7 | $ 1,017,000 | $ 145,285 | $ 146,000 |
| Abilene, TX | 6 | $ 1,417,000 | $ 236,166 | $ 122,000 |
| Anderson, IN | 6 | $ 347,000 | $ 57,833 | $ 89,000 |
| Cincinnati-Middletown, OH-KY-IN | 6 | $ 498,000 | $ 83,000 | $ 58,000 |
| Chattanooga, TN-GA | 5 | $ 273,000 | $ 54,600 | $ 167,400 |
| Kansas City, MO-KS | 5 | $ 792,000 | $ 158,400 | $ 80,000 |
| Rockford, IL | 5 | $ 646,000 | $ 129,200 | $ 29,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 618,000 | $ 123,600 | $ 53,000 |
| Santa Ana-Anaheim-Irvine, CA | 5 | $ 1,331,000 | $ 266,200 | $ 702,000 |
| Springfield, IL | 5 | $ 747,000 | $ 149,400 | $ 82,000 |
| Charlotte-Gastonia-Concord, NC-SC | 4 | $ 339,000 | $ 84,750 | $ 147,000 |
| Jackson, MS | 4 | $ 315,000 | $ 78,750 | $ 47,000 |
| Cedar Rapids, IA | 3 | $ 283,000 | $ 94,333 | $ 35,000 |
| Iowa City, IA | 3 | $ 294,000 | $ 98,000 | $ 16,000 |
| Jacksonville, FL | 3 | $ 203,000 | $ 67,666 | $ 62,000 |
| Lafayette, IN | 3 | $ 392,000 | $ 130,666 | $ 40,000 |
| Lexington-Fayette, KY | 3 | $ 289,000 | $ 96,333 | $ 38,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 277,000 | $ 92,333 | $ 214,000 |
| Yuma, AZ | 3 | $ 620,000 | $ 206,666 | $ 73,000 |
| Baton Rouge, LA | 2 | $ 143,000 | $ 71,500 | $ 110,000 |
| Beaumont-Port Arthur, TX | 2 | $ 135,000 | $ 67,500 | $ 0 |
| Bloomington-Normal, IL | 2 | $ 348,000 | $ 174,000 | $ 67,000 |
| Columbia, SC | 2 | $ 92,000 | $ 46,000 | $ 180,000 |
| Denver-Aurora, CO | 2 | $ 485,000 | $ 242,500 | $ 120,000 |
| Fort Collins-Loveland, CO | 2 | $ 233,000 | $ 116,500 | $ 105,000 |
| Gainesville, FL | 2 | $ 392,000 | $ 196,000 | $ 83,000 |
| Janesville, WI | 2 | $ 225,000 | $ 112,500 | $ 22,000 |
| Kankakee-Bradley, IL | 2 | $ 144,000 | $ 72,000 | $ 24,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 140,000 | $ 70,000 | $ 28,000 |
| Knoxville, TN | 2 | $ 224,000 | $ 112,000 | $ 66,000 |
| Michigan City-La Porte, IN | 2 | $ 166,000 | $ 83,000 | $ 193,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 180,000 | $ 90,000 | $ 182,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 275,000 | $ 137,500 | $ 835,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 180,000 | $ 90,000 | $ 240,000 |
| Prescott, AZ | 2 | $ 260,000 | $ 130,000 | $ 69,000 |
| Salem, OR | 2 | $ 193,000 | $ 96,500 | $ 180,000 |
| Terre Haute, IN | 2 | $ 99,000 | $ 49,500 | $ 43,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 58,000 | $ 29,000 | $ 42,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 492,000 | $ 246,000 | $ 660,000 |
| Albuquerque, NM | 1 | $ 350,000 | $ 350,000 | $ 103,000 |
| Austin-Round Rock, TX | 1 | $ 220,000 | $ 220,000 | $ 158,000 |
| Bloomington, IN | 1 | $ 158,000 | $ 158,000 | $ 60,000 |
| Champaign-Urbana, IL | 1 | $ 68,000 | $ 68,000 | $ 31,000 |
| Columbus, OH | 1 | $ 33,000 | $ 33,000 | $ 174,000 |
| Corpus Christi, TX | 1 | $ 80,000 | $ 80,000 | $ 180,000 |
| Danville, IL | 1 | $ 59,000 | $ 59,000 | $ 44,000 |
| Des Moines-West Des Moines, IA | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| Dubuque, IA | 1 | $ 104,000 | $ 104,000 | $ 10,000 |
| Flagstaff, AZ | 1 | $ 130,000 | $ 130,000 | $ 27,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 288,000 | $ 288,000 | $ 96,000 |
| Fort Wayne, IN | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Madison, WI | 1 | $ 38,000 | $ 38,000 | $ 48,000 |
| Muncie, IN | 1 | $ 66,000 | $ 66,000 | $ 22,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 410,000 | $ 410,000 | $ 82,000 |
| Panama City-Lynn Haven, FL | 1 | $ 142,000 | $ 142,000 | $ 25,000 |
| Reno-Sparks, NV | 1 | $ 350,000 | $ 350,000 | $ 60,000 |
| Spartanburg, SC | 1 | $ 133,000 | $ 133,000 | $ 242,000 |
| Springfield, MO | 1 | $ 43,000 | $ 43,000 | $ 28,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 110,000 | $ 110,000 | $ 126,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 153,000 | $ 153,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pointbank in 2006
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 | 2,425 | $235,456,000 | $97,000 | $1,621,000 | $69,000 | $6,030,000 |
| Refinancing | 1,263 | $157,825,000 | $124,000 | $2,000,000 | $81,000 | $1,141,000 |
| Home Improvement | 31 | $2,506,000 | $80,000 | $360,000 | $121,000 | $739,000 |
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 | 2,278 | $246,931,000 | $108,000 | $1,000,000 | $80,000 | $1,212,000 |
| Not Provided | 788 | $78,835,000 | $100,000 | $2,000,000 | $62,000 | $6,030,000 |
| Hispanic | 392 | $39,538,000 | $100,000 | $900,000 | $59,000 | $480,000 |
| Black or African American | 190 | $21,175,000 | $111,000 | $1,280,000 | $77,000 | $300,000 |
| Asian | 36 | $3,732,000 | $103,000 | $288,000 | $84,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $2,476,000 | $137,000 | $336,000 | $82,000 | $210,000 |
| American Indian or Alaskan Native | 13 | $1,294,000 | $99,000 | $283,000 | $53,000 | $104,000 |
| Not applicable | 4 | $1,806,000 | $451,000 | $1,621,000 | $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) | 3,482 | $371,781,000 | $106,000 | $2,000,000 | $75,000 | $6,030,000 |
| FHA-insured (Federal Housing Administration) | 172 | $17,655,000 | $102,000 | $412,000 | $48,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $3,969,000 | $84,000 | $156,000 | $37,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,382,000 | $132,000 | $295,000 | $53,000 | $107,000 |
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 | 1,821 | $185,198,000 | $101,000 | $2,000,000 | $93,000 | $1,141,000 |
| Application Withdrawn By Applicant | 1,390 | $158,076,000 | $113,000 | $1,280,000 | $61,000 | $6,030,000 |
| Application Denied By Financial Institution | 499 | $50,539,000 | $101,000 | $808,000 | $41,000 | $413,000 |
| Application Approved But Not Accepted | 9 | $1,974,000 | $219,000 | $1,621,000 | $70,000 | $218,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 323 | $30,979,000 | $95,000 | $400,000 | $36,000 | $323,000 |
| Debt-To-Income Ratio | 38 | $4,689,000 | $123,000 | $390,000 | $38,000 | $119,000 |
| Collateral | 38 | $3,998,000 | $105,000 | $385,000 | $79,000 | $413,000 |
| Other | 22 | $2,656,000 | $120,000 | $808,000 | $55,000 | $182,000 |
| Employment History | 9 | $1,029,000 | $114,000 | $325,000 | $58,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $840,000 | $140,000 | $230,000 | $37,000 | $138,000 |
| Unverifiable Information | 3 | $260,000 | $86,000 | $125,000 | $39,000 | $46,000 |
| Credit Application Incomplete | 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 2006 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.
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