T Bank NA Mortgage Lending & HMDA Data, 2007
In 2007, T Bank NA of Dallas, TX reported 55 mortgage applications totaling $8.3 million, up 112% from 2006. The average application was for $151,672, and applicants reported an average income of $43,363. 85% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Dallas-Plano-Irving, TX (48), Fort Worth-Arlington, TX (4) and West Palm Beach-Boca Raton-Boynton Beach, FL (1) (applications in parentheses).
| Mortgage Company & Address | T Bank NA 16200 Dallas Parkway Suite 190 Dallas, TX 75248 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 55 |
| Total Mortgage Loan Application Amount | $8,342,000 |
| Average Mortgage Loan Application Amount | $151,672 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $43,363 |
| Highest Applicant Income | $916,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records T Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 48 | $ 4,573,000 | $ 95,270 | $ 5,000 |
| Fort Worth-Arlington, TX | 4 | $ 2,119,000 | $ 529,750 | $ 99,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 600,000 | $ 600,000 | $ 389,000 |
Mortgage Loan Application Detail Totals for T Bank NA 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 Purchase | 53 | $7,712,000 | $145,000 | $2,000,000 | $32,000 | $916,000 |
| Refinancing | 1 | $600,000 | $600,000 | $600,000 | $389,000 | $389,000 |
| Home Improvement | 1 | $30,000 | $30,000 | $30,000 | $300,000 | $300,000 |
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 | 47 | $6,218,000 | $132,000 | $2,000,000 | $0 | $0 |
| White | 3 | $1,080,000 | $360,000 | $800,000 | $548,000 | $916,000 |
| Asian | 3 | $244,000 | $81,000 | $155,000 | $48,000 | $48,000 |
| Hispanic | 1 | $200,000 | $200,000 | $200,000 | $220,000 | $220,000 |
| Not Provided | 1 | $600,000 | $600,000 | $600,000 | $389,000 | $389,000 |
| 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) | 55 | $8,342,000 | $151,000 | $2,000,000 | $43,000 | $916,000 |
| 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 | 47 | $5,190,000 | $110,000 | $800,000 | $27,000 | $916,000 |
| Application Withdrawn By Applicant | 4 | $2,385,000 | $596,000 | $2,000,000 | $107,000 | $429,000 |
| Application Approved But Not Accepted | 2 | $137,000 | $68,000 | $70,000 | $0 | $0 |
| Application Denied By Financial Institution | 1 | $30,000 | $30,000 | $30,000 | $300,000 | $300,000 |
| File Closed For Incompleteness | 1 | $600,000 | $600,000 | $600,000 | $389,000 | $389,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 1 | $30,000 | $30,000 | $30,000 | $300,000 | $300,000 |
| Unverifiable Information | 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 T Bank NA'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 T Bank NA'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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