T Bank NA Mortgage Lending & HMDA Data, 2015
In 2015, T Bank NA of Dallas, TX reported 11 mortgage applications totaling $5.1 million, up 267% from 2014. The average application was for $462,363, and applicants reported an average income of $136,363. 36% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Dallas-Plano-Irving, TX (3), Austin-Round Rock, TX (2) and Fort Worth-Arlington, TX (2) (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 | 11 |
| Total Mortgage Loan Application Amount | $5,086,000 |
| Average Mortgage Loan Application Amount | $462,363 |
| Highest Mortgage Loan Application Amount | $2,800,000 |
| Average Applicant Income | $136,363 |
| Highest Applicant Income | $1,500,000 |
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Disclosure Act (HMDA) records T Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3 | $ 1,515,000 | $ 505,000 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 246,000 | $ 123,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 224,000 | $ 112,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 1 | $ 2,800,000 | $ 2,800,000 | $ 1,500,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 91,000 | $ 91,000 | $ 0 |
| Knoxville, TN | 1 | $ 48,000 | $ 48,000 | $ 0 |
Mortgage Loan Application Detail Totals for T Bank NA in 2015
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 |
|---|---|---|---|---|---|---|
| Refinancing | 6 | $3,320,000 | $553,000 | $2,800,000 | $250,000 | $1,500,000 |
| Home Purchase | 5 | $1,766,000 | $353,000 | $1,251,000 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| White | 5 | $3,256,000 | $651,000 | $2,800,000 | $300,000 | $1,500,000 |
| Not applicable | 3 | $1,475,000 | $491,000 | $1,251,000 | $0 | $0 |
| Hispanic | 2 | $181,000 | $90,000 | $91,000 | $0 | $0 |
| Not Provided | 1 | $174,000 | $174,000 | $174,000 | $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 |
| 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) | 9 | $4,876,000 | $541,000 | $2,800,000 | $166,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 2 | $210,000 | $105,000 | $162,000 | $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 Purchased By The Institution | 7 | $811,000 | $115,000 | $200,000 | $0 | $0 |
| Loan Originated | 4 | $4,275,000 | $1,068,000 | $2,800,000 | $375,000 | $1,500,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into T Bank NA's 2015 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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with aggregated HMDA statistics today.
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