Texasbank Mortgage Lending & HMDA Data, 2005
In 2005, Texasbank of Fort Worth, TX reported 2,077 mortgage applications totaling $236.0 million, up 11% from 2004. The average application was for $113,603, and applicants reported an average income of $85,421. 71% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Fort Worth-Arlington, TX (1,263), Dallas-Plano-Irving, TX (269) and Oklahoma City, OK (100) (applications in parentheses).
| Mortgage Company & Address | Texasbank 2525 Ridgmar Blvd Fort Worth, TX 76116 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,077 |
| Total Mortgage Loan Application Amount | $235,955,000 |
| Average Mortgage Loan Application Amount | $113,603 |
| Highest Mortgage Loan Application Amount | $1,950,000 |
| Average Applicant Income | $85,421 |
| Highest Applicant Income | $2,280,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texasbank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Fort Worth-Arlington, TX | 1,263 | $ 136,598,000 | $ 108,153 | $ 81,000 |
| Dallas-Plano-Irving, TX | 269 | $ 32,913,000 | $ 122,353 | $ 89,000 |
| Oklahoma City, OK | 100 | $ 10,173,000 | $ 101,730 | $ 59,000 |
| Austin-Round Rock, TX | 6 | $ 1,059,000 | $ 176,500 | $ 101,000 |
| Houston-Baytown-Sugar Land, TX | 5 | $ 815,000 | $ 163,000 | $ 84,000 |
| San Antonio, TX | 4 | $ 515,000 | $ 128,750 | $ 56,000 |
| Newark-Union, NJ-PA | 3 | $ 2,676,000 | $ 892,000 | $ 2,040,000 |
| Abilene, TX | 2 | $ 340,000 | $ 170,000 | $ 95,000 |
| Lafayette, LA | 2 | $ 225,000 | $ 112,500 | $ 126,000 |
| Naples-Marco Island, FL | 2 | $ 825,000 | $ 412,500 | $ 222,000 |
| Nassau-Suffolk, NY | 2 | $ 228,000 | $ 114,000 | $ 85,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 76,000 | $ 38,000 | $ 68,000 |
| Rapid City, SD | 2 | $ 219,000 | $ 109,500 | $ 55,000 |
| Tyler, TX | 2 | $ 341,000 | $ 170,500 | $ 62,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 200,000 | $ 200,000 | $ 272,000 |
| Brownsville-Harlingen, TX | 1 | $ 238,000 | $ 238,000 | $ 156,000 |
| Colorado Springs, CO | 1 | $ 600,000 | $ 600,000 | $ 660,000 |
| Denver-Aurora, CO | 1 | $ 308,000 | $ 308,000 | $ 99,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 100,000 | $ 100,000 | $ 100,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 30,000 | $ 30,000 | $ 100,000 |
| Las Vegas-Paradise, NV | 1 | $ 752,000 | $ 752,000 | $ 133,000 |
| Longview, TX | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Lubbock, TX | 1 | $ 110,000 | $ 110,000 | $ 30,000 |
| Modesto, CA | 1 | $ 260,000 | $ 260,000 | $ 112,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 175,000 | $ 175,000 | $ 116,000 |
| Sherman-Denison, TX | 1 | $ 472,000 | $ 472,000 | $ 207,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 90,000 | $ 90,000 | $ 70,000 |
| Topeka, KS | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Vero Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 80,000 | $ 80,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for Texasbank in 2005
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 | 1,233 | $163,612,000 | $256,400 | $1,950,000 | $241,600 | $2,280,000 |
| Home Improvement | 486 | $18,878,000 | $40,750 | $520,000 | $68,250 | $540,000 |
| Refinancing | 358 | $53,465,000 | $183,000 | $976,000 | $143,833 | $1,774,000 |
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 | 1,389 | $163,000,000 | $302,000 | $1,326,000 | $298,461 | $2,280,000 |
| Not Provided | 302 | $42,146,000 | $255,500 | $1,076,000 | $304,375 | $1,800,000 |
| Hispanic | 276 | $17,151,000 | $72,000 | $404,000 | $72,000 | $540,000 |
| Black or African American | 63 | $4,041,000 | $98,666 | $624,000 | $49,666 | $175,000 |
| Not applicable | 20 | $4,719,000 | $235,000 | $1,950,000 | $0 | $0 |
| American Indian or Alaskan Native | 14 | $2,831,000 | $131,333 | $813,000 | $74,666 | $480,000 |
| Asian | 12 | $2,051,000 | $131,500 | $614,000 | $76,000 | $352,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $16,000 | $16,000 | $16,000 | $85,000 | $85,000 |
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) | 1,943 | $222,244,000 | $243,500 | $1,950,000 | $230,437 | $2,280,000 |
| FHA-insured (Federal Housing Administration) | 104 | $9,731,000 | $95,666 | $181,000 | $49,333 | $168,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,548,000 | $134,666 | $304,000 | $46,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $432,000 | $86,000 | $163,000 | $34,000 | $55,000 |
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 | 1,469 | $178,988,000 | $241,076 | $1,950,000 | $235,384 | $1,800,000 |
| Application Denied By Financial Institution | 219 | $10,963,000 | $32,250 | $376,000 | $63,500 | $240,000 |
| Application Approved But Not Accepted | 165 | $19,076,000 | $523,666 | $1,326,000 | $813,333 | $2,280,000 |
| File Closed For Incompleteness | 120 | $16,437,000 | $286,000 | $1,000,000 | $230,000 | $660,000 |
| Preapproval Denied by Financial Institution | 97 | $9,504,000 | $97,000 | $480,000 | $40,000 | $183,000 |
| Application Withdrawn By Applicant | 6 | $864,000 | $190,000 | $260,000 | $116,500 | $240,000 |
| Loan Purchased By The Institution | 1 | $123,000 | $123,000 | $123,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 Texasbank's 2005 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 Texasbank'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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