Schertz Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Schertz Bank & Trust of Schertz, TX reported 40 mortgage applications totaling $2.2 million, down 2% from 2003. The average application was for $55,350, and applicants reported an average income of $88,100. 88% of its applications resulted in an originated loan and 10% were denied. Its largest markets were San Antonio, TX (35), Corpus Christi, TX (2) and Brownsville-Harlingen, 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 | $2,214,000 |
| Average Mortgage Loan Application Amount | $55,350 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $88,100 |
| Highest Applicant Income | $235,000 |
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Act (HMDA) records Schertz Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Antonio, TX | 35 | $ 1,987,000 | $ 56,771 | $ 88,000 |
| Corpus Christi, TX | 2 | $ 74,000 | $ 37,000 | $ 95,000 |
| Brownsville-Harlingen, TX | 1 | $ 60,000 | $ 60,000 | $ 216,000 |
| Oklahoma City, OK | 1 | $ 3,000 | $ 3,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Schertz Bank & Trust in 2004
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 Improvement | 21 | $248,000 | $7,500 | $79,000 | $54,500 | $235,000 |
| Home Purchase | 12 | $1,095,000 | $91,000 | $300,000 | $93,000 | $194,000 |
| Refinancing | 7 | $871,000 | $124,000 | $200,000 | $114,000 | $216,000 |
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 | 22 | $1,499,000 | $68,000 | $300,000 | $96,000 | $235,000 |
| Hispanic | 11 | $366,000 | $19,500 | $220,000 | $63,500 | $216,000 |
| Black or African American | 5 | $145,000 | $29,000 | $71,000 | $65,000 | $90,000 |
| American Indian or Alaskan Native | 1 | $4,000 | $4,000 | $4,000 | $88,000 | $88,000 |
| Asian | 1 | $200,000 | $200,000 | $200,000 | $156,000 | $156,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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 | $2,214,000 | $29,500 | $300,000 | $62,000 | $235,000 |
| 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 | 35 | $1,524,000 | $23,500 | $220,000 | $58,500 | $216,000 |
| Application Denied By Financial Institution | 4 | $611,000 | $152,000 | $300,000 | $92,000 | $194,000 |
| Application Approved But Not Accepted | 1 | $79,000 | $79,000 | $79,000 | $235,000 | $235,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $40,000 | $40,000 | $40,000 | $35,000 | $35,000 |
| Debt-To-Income Ratio | 1 | $71,000 | $71,000 | $71,000 | $90,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $200,000 | $200,000 | $200,000 | $51,000 | $51,000 |
| Other | 1 | $300,000 | $300,000 | $300,000 | $194,000 | $194,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 Schertz Bank & Trust's 2004 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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