Southwestern National Bank Mortgage Lending & HMDA Data, 2023
In 2023, Southwestern National Bank of Houston, TX reported 74 mortgage applications totaling $46.9 million. The average application was for $633,108, and applicants reported an average income of $61,194. 82% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Dallas-Plano-Irving, TX (34), Houston-The Woodlands-Sugar Land, TX (28) and Los Angeles-Long Beach-Glendale, CA (4) (applications in parentheses).
| Mortgage Company & Address | Southwestern National Bank 6901 Corporate Dr Houston, TX 77036 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 74 |
| Total Mortgage Loan Application Amount | $46,850,000 |
| Average Mortgage Loan Application Amount | $633,108 |
| Highest Mortgage Loan Application Amount | $8,005,000 |
| Average Applicant Income | $61,194 |
| Highest Applicant Income | $222,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Southwestern National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Southwestern National Bank in 2023
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 | 63 | $29,165,000 | $462,000 | $2,605,000 | $64,000 | $222,000 |
| Refinancing | 7 | $15,665,000 | $2,237,000 | $8,005,000 | $0 | $0 |
| Home Improvement | 4 | $2,020,000 | $505,000 | $815,000 | $17,000 | $17,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Asian | 39 | $19,185,000 | $491,000 | $2,205,000 | $66,000 | $222,000 |
| Not applicable | 31 | $27,005,000 | $871,000 | $8,005,000 | $0 | $0 |
| Hispanic | 4 | $660,000 | $165,000 | $215,000 | $35,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 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) | 74 | $46,850,000 | $633,000 | $8,005,000 | $63,000 | $222,000 |
| 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 | 61 | $39,145,000 | $641,000 | $8,005,000 | $61,000 | $222,000 |
| Application Withdrawn By Applicant | 12 | $5,400,000 | $450,000 | $1,315,000 | $73,000 | $192,000 |
| Application Denied By Financial Institution | 1 | $2,305,000 | $2,305,000 | $2,305,000 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 73 | $44,545,000 | $610,000 | $8,005,000 | $63,000 | $222,000 |
| Unverifiable Information | 1 | $2,305,000 | $2,305,000 | $2,305,000 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southwestern National Bank's 2023 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 Southwestern National Bank'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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