Texstar Bank / Fnb Monahans Mortgage Lending & HMDA Data, 2006
In 2006, Texstar Bank / Fnb Monahans of Midland, TX reported 525 mortgage applications totaling $59.1 million, up 35% from 2005. The average application was for $112,518, and applicants reported an average income of $116,607. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Midland, TX (135), Lubbock, TX (79) and San Antonio, TX (79) (applications in parentheses).
| Mortgage Company & Address | Texstar Bank / Fnb Monahans 600 N Marienfeld Ste 100 Midland, TX 79701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 525 |
| Total Mortgage Loan Application Amount | $59,072,000 |
| Average Mortgage Loan Application Amount | $112,518 |
| Highest Mortgage Loan Application Amount | $930,000 |
| Average Applicant Income | $116,607 |
| Highest Applicant Income | $1,005,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texstar Bank / Fnb Monahans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Midland, Texas | 135 | $ 8,987,000 | $ 66,570 | $ 142,000 |
| Lubbock, Texas | 79 | $ 10,170,000 | $ 128,734 | $ 114,000 |
| Ward, Texas | 78 | $ 2,630,000 | $ 33,717 | $ 55,000 |
| Comal, Texas | 63 | $ 14,301,000 | $ 227,000 | $ 124,000 |
| Ector, Texas | 48 | $ 2,741,000 | $ 57,104 | $ 154,000 |
| Bexar, Texas | 9 | $ 2,066,000 | $ 229,555 | $ 158,000 |
| Howard, Texas | 7 | $ 293,000 | $ 41,857 | $ 0 |
| Winkler, Texas | 6 | $ 258,000 | $ 43,000 | $ 40,000 |
| Blanco, Texas | 5 | $ 834,000 | $ 166,800 | $ 81,000 |
| Gaines, Texas | 5 | $ 297,000 | $ 59,400 | $ 175,000 |
| Andrews, Texas | 3 | $ 466,000 | $ 155,333 | $ 95,000 |
| Gillespie, Texas | 3 | $ 387,000 | $ 129,000 | $ 81,000 |
| Hale, Texas | 3 | $ 423,000 | $ 141,000 | $ 99,000 |
| Kendall, Texas | 3 | $ 963,000 | $ 321,000 | $ 101,000 |
| Taylor, Texas | 3 | $ 236,000 | $ 78,666 | $ 41,000 |
| Guadalupe, Texas | 2 | $ 161,000 | $ 80,500 | $ 91,000 |
| Harris, Texas | 2 | $ 354,000 | $ 177,000 | $ 104,000 |
| Hays, Texas | 2 | $ 325,000 | $ 162,500 | $ 102,000 |
| Hockley, Texas | 2 | $ 155,000 | $ 77,500 | $ 20,000 |
| Palo Pinto, Texas | 2 | $ 495,000 | $ 247,500 | $ 275,000 |
| Swisher, Texas | 2 | $ 82,000 | $ 41,000 | $ 100,000 |
| Atascosa, Texas | 1 | $ 63,000 | $ 63,000 | $ 204,000 |
| Bandera, Texas | 1 | $ 130,000 | $ 130,000 | $ 89,000 |
| Collin, Texas | 1 | $ 140,000 | $ 140,000 | $ 53,000 |
| Crane, Texas | 1 | $ 49,000 | $ 49,000 | $ 47,000 |
| Denton, Texas | 1 | $ 176,000 | $ 176,000 | $ 85,000 |
| Garza, Texas | 1 | $ 20,000 | $ 20,000 | $ 193,000 |
| Grayson, Texas | 1 | $ 70,000 | $ 70,000 | $ 45,000 |
| Llano, Texas | 1 | $ 319,000 | $ 319,000 | $ 149,000 |
| Mitchell, Texas | 1 | $ 155,000 | $ 155,000 | $ 202,000 |
Mortgage Loan Application Detail Totals for Texstar Bank / Fnb Monahans 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 Purchase | 413 | $46,315,000 | $112,000 | $930,000 | $113,000 | $1,000,000 |
| Refinancing | 69 | $11,125,000 | $161,000 | $575,000 | $166,000 | $1,005,000 |
| Home Improvement | 43 | $1,632,000 | $37,000 | $600,000 | $72,000 | $260,000 |
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 | 380 | $49,228,000 | $129,000 | $930,000 | $116,000 | $1,005,000 |
| Hispanic | 73 | $5,875,000 | $80,000 | $575,000 | $77,000 | $630,000 |
| Not applicable | 60 | $3,306,000 | $55,000 | $383,000 | $141,000 | $1,000,000 |
| Black or African American | 5 | $61,000 | $12,000 | $19,000 | $486,000 | $783,000 |
| Asian | 3 | $302,000 | $100,000 | $212,000 | $136,000 | $193,000 |
| American Indian or Alaskan Native | 2 | $246,000 | $123,000 | $220,000 | $61,000 | $75,000 |
| Not Provided | 2 | $54,000 | $27,000 | $50,000 | $37,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 514 | $58,095,000 | $113,000 | $930,000 | $118,000 | $1,005,000 |
| FHA-insured (Federal Housing Administration) | 9 | $780,000 | $86,000 | $161,000 | $47,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 2 | $197,000 | $98,000 | $100,000 | $57,000 | $85,000 |
| 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 | 450 | $50,836,000 | $112,000 | $802,000 | $126,000 | $1,005,000 |
| Application Denied By Financial Institution | 35 | $3,763,000 | $107,000 | $930,000 | $42,000 | $200,000 |
| Application Withdrawn By Applicant | 22 | $2,881,000 | $130,000 | $575,000 | $105,000 | $529,000 |
| Loan Purchased By The Institution | 16 | $1,403,000 | $87,000 | $150,000 | $54,000 | $139,000 |
| Application Approved But Not Accepted | 2 | $189,000 | $94,000 | $120,000 | $47,000 | $50,000 |
| File Closed For Incompleteness | 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 | 30 | $2,386,000 | $79,000 | $930,000 | $36,000 | $82,000 |
| Debt-To-Income Ratio | 2 | $863,000 | $431,000 | $825,000 | $108,000 | $200,000 |
| Other | 2 | $358,000 | $179,000 | $208,000 | $41,000 | $75,000 |
| Collateral | 1 | $156,000 | $156,000 | $156,000 | $95,000 | $95,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 Texstar Bank / Fnb Monahans'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 Texstar Bank / Fnb Monahans'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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