Schertz Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Schertz Bank & Trust of Schertz, TX reported 40 mortgage applications totaling $15.6 million, up 33% from 2015. The average application was for $389,375, and applicants reported an average income of $29,175. 85% of its applications resulted in an originated loan and 10% were denied. Its largest markets were San Antonio-New Braunfels, TX (33), Austin-Round Rock, TX (4) and Houston-The Woodlands-Sugar Land, TX (1) (applications in parentheses).
| Mortgage Company & Address | Schertz Bank & Trust 519 Main Street Schertz, TX 78154 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 40 |
| Total Mortgage Loan Application Amount | $15,575,000 |
| Average Mortgage Loan Application Amount | $389,375 |
| Highest Mortgage Loan Application Amount | $2,838,000 |
| Average Applicant Income | $29,175 |
| Highest Applicant Income | $201,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Schertz Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Bexar, Texas | 18 | $ 7,920,000 | $ 440,000 | $ 17,000 |
| Guadalupe, Texas | 7 | $ 1,410,000 | $ 201,428 | $ 72,000 |
| Comal, Texas | 6 | $ 945,000 | $ 157,500 | $ 16,000 |
| Hays, Texas | 2 | $ 185,000 | $ 92,500 | $ 60,000 |
| Wilson, Texas | 2 | $ 160,000 | $ 80,000 | $ 76,000 |
| Bastrop, Texas | 1 | $ 591,000 | $ 591,000 | $ 0 |
| Brown, Texas | 1 | $ 940,000 | $ 940,000 | $ 0 |
| Harris, Texas | 1 | $ 236,000 | $ 236,000 | $ 0 |
| McLennan, Texas | 1 | $ 2,838,000 | $ 2,838,000 | $ 0 |
| Travis, Texas | 1 | $ 350,000 | $ 350,000 | $ 0 |
Mortgage Loan Application Detail Totals for Schertz Bank & Trust 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 Purchase | 27 | $12,012,000 | $444,000 | $2,838,000 | $23,000 | $201,000 |
| Refinancing | 7 | $3,399,000 | $485,000 | $950,000 | $12,000 | $85,000 |
| Home Improvement | 6 | $164,000 | $27,000 | $70,000 | $77,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 26 | $13,929,000 | $535,000 | $2,838,000 | $0 | $0 |
| White | 7 | $934,000 | $133,000 | $591,000 | $111,000 | $201,000 |
| Hispanic | 5 | $620,000 | $124,000 | $360,000 | $50,000 | $85,000 |
| Black or African American | 2 | $92,000 | $46,000 | $90,000 | $81,000 | $128,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 40 | $15,575,000 | $389,000 | $2,838,000 | $29,000 | $201,000 |
| 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 | 34 | $14,683,000 | $431,000 | $2,838,000 | $18,000 | $172,000 |
| Application Denied By Financial Institution | 4 | $185,000 | $46,000 | $70,000 | $93,000 | $120,000 |
| Application Approved But Not Accepted | 2 | $707,000 | $353,000 | $591,000 | $100,000 | $201,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Schertz Bank & Trust'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 Schertz Bank & Trust'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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