Texas First Bank - Winnie Mortgage Lending & HMDA Data, 2006
In 2006, Texas First Bank - Winnie of Lamarque, TX reported 27 mortgage applications totaling $641,000, down 31% from 2005. The average application was for $23,740, and applicants reported an average income of $57,222. 56% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (14) and Beaumont-Port Arthur, TX (13).
| Mortgage Company & Address | Texas First Bank - Winnie 3000 Fm 1764 Lamarque, TX 77568 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 27 |
| Total Mortgage Loan Application Amount | $641,000 |
| Average Mortgage Loan Application Amount | $23,740 |
| Highest Mortgage Loan Application Amount | $108,000 |
| Average Applicant Income | $57,222 |
| Highest Applicant Income | $235,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texas First Bank - Winnie filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Texas First Bank - Winnie in 2006
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 Improvement | 14 | $96,000 | $6,000 | $25,000 | $45,000 | $146,000 |
| Home Purchase | 10 | $332,000 | $33,000 | $80,000 | $75,000 | $235,000 |
| Refinancing | 3 | $213,000 | $71,000 | $108,000 | $55,000 | $105,000 |
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 | $595,000 | $29,000 | $108,000 | $67,000 | $235,000 |
| Hispanic | 5 | $40,000 | $8,000 | $18,000 | $26,000 | $34,000 |
| Black or African American | 2 | $6,000 | $3,000 | $3,000 | $33,000 | $36,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 27 | $641,000 | $23,000 | $108,000 | $57,000 | $235,000 |
| 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 | 15 | $501,000 | $33,000 | $108,000 | $74,000 | $235,000 |
| Application Denied By Financial Institution | 10 | $117,000 | $11,000 | $43,000 | $37,000 | $76,000 |
| Application Approved But Not Accepted | 2 | $23,000 | $11,000 | $20,000 | $25,000 | $31,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $101,000 | $14,000 | $43,000 | $38,000 | $76,000 |
| Debt-To-Income Ratio | 3 | $16,000 | $5,000 | $10,000 | $36,000 | $58,000 |
| 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 |
| Collateral | 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 First Bank - Winnie's 2006 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 First Bank - Winnie'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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