Pointbank Mortgage Lending & HMDA Data, 2018
In 2018, Pointbank of Pilot Point, TX reported 84 mortgage applications totaling $27.4 million, up 1% from 2017. The average application was for $325,714, and applicants reported an average income of $211,408. 49% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Dallas-Plano-Irving, TX (63), Fort Worth-Arlington, TX (11) and Sherman-Denison, TX (7) (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 | 84 |
| Total Mortgage Loan Application Amount | $27,360,000 |
| Average Mortgage Loan Application Amount | $325,714 |
| Highest Mortgage Loan Application Amount | $2,665,000 |
| Average Applicant Income | $211,408 |
| Highest Applicant Income | $918,000 |
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Disclosure Act (HMDA) records Pointbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Pointbank in 2018
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 | 53 | $22,055,000 | $416,000 | $2,665,000 | $242,000 | $918,000 |
| Not Applicable | 13 | $1,495,000 | $115,000 | $375,000 | $0 | $0 |
| Refinancing | 12 | $3,360,000 | $280,000 | $795,000 | $106,000 | $305,000 |
| Home Improvement | 4 | $160,000 | $40,000 | $65,000 | $121,000 | $156,000 |
| Other Purpose | 2 | $290,000 | $145,000 | $185,000 | $214,000 | $214,000 |
| Cash-out Refinancing | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 38 | $9,150,000 | $240,000 | $1,905,000 | $0 | $0 |
| White | 33 | $13,715,000 | $415,000 | $2,665,000 | $203,000 | $918,000 |
| Hispanic | 6 | $1,130,000 | $188,000 | $325,000 | $107,000 | $165,000 |
| Not Provided | 4 | $2,500,000 | $625,000 | $1,505,000 | $408,000 | $727,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $112,000 | $112,000 |
| Black or African American | 1 | $245,000 | $245,000 | $245,000 | $302,000 | $302,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 84 | $27,360,000 | $325,000 | $2,665,000 | $204,000 | $918,000 |
| 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 | 41 | $17,005,000 | $414,000 | $2,665,000 | $241,000 | $918,000 |
| Loan Purchased By The Institution | 13 | $1,495,000 | $115,000 | $375,000 | $0 | $0 |
| Application Approved But Not Accepted | 9 | $3,215,000 | $357,000 | $1,505,000 | $340,000 | $727,000 |
| Application Denied By Financial Institution | 8 | $2,420,000 | $302,000 | $1,005,000 | $84,000 | $188,000 |
| File Closed For Incompleteness | 7 | $1,835,000 | $262,000 | $675,000 | $0 | $0 |
| Application Withdrawn By Applicant | 6 | $1,390,000 | $231,000 | $415,000 | $82,000 | $204,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 76 | $24,940,000 | $328,000 | $2,665,000 | $238,000 | $918,000 |
| Debt-To-Income Ratio | 7 | $2,335,000 | $333,000 | $1,005,000 | $93,000 | $188,000 |
| Credit History | 1 | $85,000 | $85,000 | $85,000 | $32,000 | $32,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pointbank's 2018 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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