Schertz Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Schertz Bank & Trust of Schertz, TX reported 37 mortgage applications totaling $7.8 million, up 68% from 2012. The average application was for $211,729, and applicants reported an average income of $65,351. 65% of its applications resulted in an originated loan and 27% were denied. Its largest markets were San Antonio-New Braunfels, TX (29), Austin-Round Rock-San Marcos, TX (3) and Corpus Christi, TX (2) (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 | 37 |
| Total Mortgage Loan Application Amount | $7,834,000 |
| Average Mortgage Loan Application Amount | $211,729 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $65,351 |
| Highest Applicant Income | $357,000 |
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Act (HMDA) records Schertz Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-New Braunfels, TX | 29 | $ 5,183,000 | $ 178,724 | $ 69,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 2,177,000 | $ 725,666 | $ 0 |
| Corpus Christi, TX | 2 | $ 255,000 | $ 127,500 | $ 95,000 |
Mortgage Loan Application Detail Totals for Schertz Bank & Trust in 2013
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 | 18 | $2,617,000 | $145,000 | $350,000 | $84,000 | $357,000 |
| Home Improvement | 10 | $936,000 | $93,000 | $410,000 | $69,000 | $213,000 |
| Refinancing | 9 | $4,281,000 | $475,000 | $1,300,000 | $24,000 | $119,000 |
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 | 20 | $2,222,000 | $111,000 | $410,000 | $88,000 | $357,000 |
| Not applicable | 11 | $4,682,000 | $425,000 | $1,300,000 | $0 | $0 |
| Asian | 4 | $507,000 | $126,000 | $334,000 | $91,000 | $138,000 |
| Hispanic | 1 | $300,000 | $300,000 | $300,000 | $63,000 | $63,000 |
| Not Provided | 1 | $123,000 | $123,000 | $123,000 | $230,000 | $230,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 37 | $7,834,000 | $211,000 | $1,300,000 | $65,000 | $357,000 |
| 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 | 24 | $5,708,000 | $237,000 | $864,000 | $72,000 | $357,000 |
| Application Denied By Financial Institution | 10 | $1,977,000 | $197,000 | $1,300,000 | $45,000 | $230,000 |
| Application Approved But Not Accepted | 3 | $149,000 | $49,000 | $95,000 | $76,000 | $84,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $378,000 | $94,000 | $196,000 | $23,000 | $42,000 |
| Credit History | 3 | $1,308,000 | $436,000 | $1,300,000 | $12,000 | $23,000 |
| Credit Application Incomplete | 1 | $123,000 | $123,000 | $123,000 | $230,000 | $230,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $123,000 | $123,000 | $123,000 | $43,000 | $43,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $54,000 | $54,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Schertz Bank & Trust's 2013 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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