Texas Capital Bank Mortgage Lending & HMDA Data, 2004
In 2004, Texas Capital Bank of Dallas, TX reported 1,333 mortgage applications totaling $241.9 million, up 378% from 2003. The average application was for $181,500, and applicants reported an average income of $98,288. 78% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Dallas-Plano-Irving, TX (245), Las Vegas-Paradise, NV (164) and Sherman-Denison, TX (100) (applications in parentheses).
| Mortgage Company & Address | Texas Capital Bank 2000 McKinney Ave, Suite 700 Dallas, TX 75201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,333 |
| Total Mortgage Loan Application Amount | $241,940,000 |
| Average Mortgage Loan Application Amount | $181,500 |
| Highest Mortgage Loan Application Amount | $9,500,000 |
| Average Applicant Income | $98,288 |
| Highest Applicant Income | $7,336,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texas Capital Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 245 | $ 66,653,000 | $ 272,053 | $ 119,000 |
| Las Vegas-Paradise, NV | 164 | $ 25,680,000 | $ 156,585 | $ 63,000 |
| Sherman-Denison, TX | 100 | $ 8,131,000 | $ 81,310 | $ 61,000 |
| Fort Worth-Arlington, TX | 91 | $ 11,981,000 | $ 131,659 | $ 142,000 |
| Atlanta-Sandy Springs-Marietta, GA | 86 | $ 12,831,000 | $ 149,197 | $ 68,000 |
| Houston-Baytown-Sugar Land, TX | 58 | $ 19,989,000 | $ 344,637 | $ 156,000 |
| San Antonio, TX | 51 | $ 8,136,000 | $ 159,529 | $ 140,000 |
| Fargo, ND-MN | 26 | $ 2,915,000 | $ 112,115 | $ 74,000 |
| Laredo, TX | 25 | $ 2,044,000 | $ 81,760 | $ 48,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 22 | $ 2,908,000 | $ 132,181 | $ 64,000 |
| Austin-Round Rock, TX | 21 | $ 13,446,000 | $ 640,285 | $ 97,000 |
| Flint, MI | 19 | $ 2,101,000 | $ 110,578 | $ 55,000 |
| St. Louis, MO-IL | 19 | $ 2,236,000 | $ 117,684 | $ 67,000 |
| Boston-Quincy, MA | 18 | $ 6,224,000 | $ 345,777 | $ 102,000 |
| Seattle-Bellevue-Everett, WA | 17 | $ 3,223,000 | $ 189,588 | $ 81,000 |
| Gulfport-Biloxi, MS | 15 | $ 1,403,000 | $ 93,533 | $ 55,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 13 | $ 2,776,000 | $ 213,538 | $ 81,000 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 1,733,000 | $ 133,307 | $ 79,000 |
| Cambridge-Newton-Framingham, MA | 6 | $ 2,007,000 | $ 334,500 | $ 967,000 |
| Jackson, MS | 6 | $ 706,000 | $ 117,666 | $ 70,000 |
| Pascagoula, MS | 6 | $ 523,000 | $ 87,166 | $ 56,000 |
| Providence-New Bedford-Fall River, RI-MA | 6 | $ 1,072,000 | $ 178,666 | $ 247,000 |
| Richmond, VA | 6 | $ 648,000 | $ 108,000 | $ 60,000 |
| Warren-Farmington Hills-Troy, MI | 5 | $ 961,000 | $ 192,200 | $ 81,000 |
| Abilene, TX | 4 | $ 387,000 | $ 96,750 | $ 115,000 |
| Bellingham, WA | 4 | $ 591,000 | $ 147,750 | $ 153,000 |
| Bismarck, ND | 4 | $ 567,000 | $ 141,750 | $ 69,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 292,000 | $ 73,000 | $ 154,000 |
| Indianapolis, IN | 4 | $ 653,000 | $ 163,250 | $ 128,000 |
| Lubbock, TX | 4 | $ 322,000 | $ 80,500 | $ 33,000 |
| Memphis, TN-MS-AR | 4 | $ 258,000 | $ 64,500 | $ 154,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 217,000 | $ 54,250 | $ 117,000 |
| Tacoma, WA | 4 | $ 412,000 | $ 103,000 | $ 75,000 |
| Yakima, WA | 4 | $ 581,000 | $ 145,250 | $ 78,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 657,000 | $ 219,000 | $ 163,000 |
| Hattiesburg, MS | 3 | $ 319,000 | $ 106,333 | $ 41,000 |
| Jacksonville, FL | 3 | $ 653,000 | $ 217,666 | $ 67,000 |
| Longview, TX | 3 | $ 224,000 | $ 74,666 | $ 48,000 |
| Springfield, MA | 3 | $ 351,000 | $ 117,000 | $ 71,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 143,000 | $ 71,500 | $ 49,000 |
| Baltimore-Towson, MD | 2 | $ 245,000 | $ 122,500 | $ 46,000 |
| Barnstable Town, MA | 2 | $ 974,000 | $ 487,000 | $ 155,000 |
| Boise City-Nampa, ID | 2 | $ 388,000 | $ 194,000 | $ 104,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 521,000 | $ 260,500 | $ 147,000 |
| Corpus Christi, TX | 2 | $ 365,000 | $ 182,500 | $ 171,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 284,000 | $ 142,000 | $ 49,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 435,000 | $ 217,500 | $ 90,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 215,000 | $ 107,500 | $ 102,000 |
| Norwich-New London, CT | 2 | $ 368,000 | $ 184,000 | $ 219,000 |
| Odessa, TX | 2 | $ 225,000 | $ 112,500 | $ 162,000 |
| Reno-Sparks, NV | 2 | $ 228,000 | $ 114,000 | $ 150,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 111,000 | $ 55,500 | $ 20,000 |
| Salinas, CA | 2 | $ 225,000 | $ 112,500 | $ 49,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 166,000 | $ 83,000 | $ 78,000 |
| Worcester, MA | 2 | $ 436,000 | $ 218,000 | $ 175,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 182,000 | $ 91,000 | $ 50,000 |
| Yuma, AZ | 2 | $ 236,000 | $ 118,000 | $ 46,000 |
| Albuquerque, NM | 1 | $ 47,000 | $ 47,000 | $ 110,000 |
| Athens-Clarke County, GA | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Bakersfield, CA | 1 | $ 176,000 | $ 176,000 | $ 173,000 |
| Baton Rouge, LA | 1 | $ 128,000 | $ 128,000 | $ 126,000 |
| Boulder, CO | 1 | $ 322,000 | $ 322,000 | $ 114,000 |
| Bremerton-Silverdale, WA | 1 | $ 149,000 | $ 149,000 | $ 53,000 |
| Brunswick, GA | 1 | $ 65,000 | $ 65,000 | $ 92,000 |
| Camden, NJ | 1 | $ 333,000 | $ 333,000 | $ 111,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 259,000 | $ 259,000 | $ 71,000 |
| College Station-Bryan, TX | 1 | $ 89,000 | $ 89,000 | $ 197,000 |
| Dalton, GA | 1 | $ 209,000 | $ 209,000 | $ 99,000 |
| Duluth, MN-WI | 1 | $ 151,000 | $ 151,000 | $ 25,000 |
| El Paso, TX | 1 | $ 91,000 | $ 91,000 | $ 60,000 |
| Essex County, MA | 1 | $ 250,000 | $ 250,000 | $ 249,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 112,000 | $ 112,000 | $ 53,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 224,000 | $ 224,000 | $ 114,000 |
| Lake Charles, LA | 1 | $ 91,000 | $ 91,000 | $ 100,000 |
| Las Cruces, NM | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Macon, GA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 194,000 | $ 194,000 | $ 112,000 |
| Naples-Marco Island, FL | 1 | $ 429,000 | $ 429,000 | $ 240,000 |
| Nassau-Suffolk, NY | 1 | $ 185,000 | $ 185,000 | $ 134,000 |
| New Haven-Milford, CT | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 59,000 | $ 59,000 | $ 39,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 450,000 | $ 450,000 | $ 128,000 |
| Oshkosh-Neenah, WI | 1 | $ 77,000 | $ 77,000 | $ 48,000 |
| Philadelphia, PA | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 50,000 | $ 50,000 | $ 48,000 |
| Pocatello, ID | 1 | $ 290,000 | $ 290,000 | $ 66,000 |
| Raleigh-Cary, NC | 1 | $ 112,000 | $ 112,000 | $ 96,000 |
| Roanoke, VA | 1 | $ 98,000 | $ 98,000 | $ 34,000 |
| Rochester, MN | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 1,100,000 | $ 1,100,000 | $ 970,000 |
| Springfield, MO | 1 | $ 185,000 | $ 185,000 | $ 78,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 330,000 | $ 330,000 | $ 589,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 43,000 | $ 43,000 | $ 33,000 |
| Tyler, TX | 1 | $ 108,000 | $ 108,000 | $ 149,000 |
| Waco, TX | 1 | $ 146,000 | $ 146,000 | $ 76,000 |
| Wichita Falls, TX | 1 | $ 174,000 | $ 174,000 | $ 90,000 |
| Winston-Salem, NC | 1 | $ 152,000 | $ 152,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Texas Capital Bank in 2004
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 | 845 | $150,179,000 | $187,586 | $8,000,000 | $113,862 | $7,336,000 |
| Refinancing | 476 | $88,843,000 | $161,551 | $9,500,000 | $102,517 | $3,634,000 |
| Home Improvement | 12 | $2,918,000 | $243,000 | $800,000 | $258,000 | $800,000 |
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 | 878 | $159,036,000 | $174,705 | $5,550,000 | $121,647 | $7,336,000 |
| Hispanic | 165 | $19,971,000 | $148,666 | $450,000 | $73,400 | $296,000 |
| Not Provided | 111 | $17,669,000 | $180,866 | $1,250,000 | $113,800 | $970,000 |
| Black or African American | 77 | $10,015,000 | $115,933 | $474,000 | $60,533 | $166,000 |
| Not applicable | 64 | $28,236,000 | $309,500 | $9,500,000 | $0 | $0 |
| Asian | 35 | $6,579,000 | $242,375 | $675,000 | $105,875 | $315,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $370,000 | $185,000 | $301,000 | $79,500 | $159,000 |
| American Indian or Alaskan Native | 1 | $64,000 | $64,000 | $64,000 | $26,000 | $26,000 |
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) | 1,228 | $230,563,000 | $173,714 | $9,500,000 | $107,000 | $7,336,000 |
| FHA-insured (Federal Housing Administration) | 92 | $9,738,000 | $130,800 | $243,000 | $42,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,639,000 | $128,500 | $259,000 | $61,500 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,041 | $191,408,000 | $177,121 | $9,500,000 | $111,000 | $7,336,000 |
| Application Withdrawn By Applicant | 218 | $40,995,000 | $198,809 | $3,323,000 | $142,714 | $3,634,000 |
| Application Denied By Financial Institution | 35 | $3,686,000 | $100,692 | $320,000 | $69,076 | $217,000 |
| Application Approved But Not Accepted | 27 | $5,059,000 | $176,625 | $650,000 | $77,625 | $350,000 |
| Loan Purchased By The Institution | 12 | $792,000 | $66,000 | $267,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 10 | $1,160,000 | $97,000 | $320,000 | $67,000 | $217,000 |
| Credit History | 9 | $817,000 | $94,285 | $158,000 | $47,714 | $57,000 |
| Other | 8 | $966,000 | $110,800 | $316,000 | $76,000 | $108,000 |
| Debt-To-Income Ratio | 4 | $217,000 | $80,500 | $133,000 | $75,000 | $194,000 |
| Unverifiable Information | 2 | $267,000 | $133,500 | $157,000 | $66,000 | $78,000 |
| Employment History | 1 | $198,000 | $198,000 | $198,000 | $53,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $61,000 | $61,000 | $61,000 | $39,000 | $39,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Texas Capital Bank's 2004 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 Texas Capital 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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