Schertz Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Schertz Bank & Trust of Schertz, TX reported 41 mortgage applications totaling $3.8 million, up 37% from 2006. The average application was for $92,975, and applicants reported an average income of $151,926. 68% of its applications resulted in an originated loan and 17% were denied. Its largest markets were San Antonio, TX (35) and Corpus Christi, TX (3).
| 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 | 41 |
| Total Mortgage Loan Application Amount | $3,812,000 |
| Average Mortgage Loan Application Amount | $92,975 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $151,926 |
| Highest Applicant Income | $2,148,000 |
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Act (HMDA) records Schertz Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 2,124,000 | $ 60,685 | $ 81,000 |
| Corpus Christi, TX | 3 | $ 593,000 | $ 197,666 | $ 744,000 |
Mortgage Loan Application Detail Totals for Schertz Bank & Trust in 2007
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 | 25 | $581,000 | $23,000 | $138,000 | $60,000 | $169,000 |
| Home Purchase | 13 | $1,977,000 | $152,000 | $348,000 | $283,000 | $2,148,000 |
| Refinancing | 3 | $1,254,000 | $418,000 | $1,000,000 | $350,000 | $1,012,000 |
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 | 26 | $2,120,000 | $81,000 | $1,000,000 | $183,000 | $2,148,000 |
| Hispanic | 7 | $853,000 | $121,000 | $325,000 | $112,000 | $282,000 |
| Not applicable | 5 | $819,000 | $163,000 | $240,000 | $113,000 | $240,000 |
| Black or African American | 3 | $20,000 | $6,000 | $13,000 | $45,000 | $70,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian 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) | 41 | $3,812,000 | $92,000 | $1,000,000 | $152,000 | $2,148,000 |
| 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 | 28 | $1,684,000 | $60,000 | $275,000 | $84,000 | $273,000 |
| Application Denied By Financial Institution | 7 | $1,201,000 | $171,000 | $1,000,000 | $175,000 | $1,012,000 |
| Application Withdrawn By Applicant | 4 | $472,000 | $118,000 | $325,000 | $106,000 | $282,000 |
| Application Approved But Not Accepted | 2 | $455,000 | $227,000 | $348,000 | $1,116,000 | $2,148,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $178,000 | $44,000 | $138,000 | $30,000 | $44,000 |
| Credit History | 3 | $1,023,000 | $341,000 | $1,000,000 | $369,000 | $1,012,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2007 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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