Texstar Bank / Fnb Monahans Mortgage Lending & HMDA Data, 2007
In 2007, Texstar Bank / Fnb Monahans of Midland, TX reported 459 mortgage applications totaling $52.9 million, down 13% from 2006. The average application was for $115,278, and applicants reported an average income of $251,468. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Midland, TX (138), San Antonio, TX (71) and Odessa, TX (54) (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 | 459 |
| Total Mortgage Loan Application Amount | $52,913,000 |
| Average Mortgage Loan Application Amount | $115,278 |
| Highest Mortgage Loan Application Amount | $640,000 |
| Average Applicant Income | $251,468 |
| Highest Applicant Income | $1,914,000 |
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records Texstar Bank / Fnb Monahans filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 138 | $ 12,504,000 | $ 90,608 | $ 543,000 |
| Ward, Texas | 68 | $ 3,073,000 | $ 45,191 | $ 87,000 |
| Ector, Texas | 54 | $ 4,146,000 | $ 76,777 | $ 125,000 |
| Comal, Texas | 45 | $ 10,356,000 | $ 230,133 | $ 117,000 |
| Lubbock, Texas | 30 | $ 2,917,000 | $ 97,233 | $ 127,000 |
| Bexar, Texas | 21 | $ 3,091,000 | $ 147,190 | $ 167,000 |
| Llano, Texas | 6 | $ 1,370,000 | $ 228,333 | $ 219,000 |
| Winkler, Texas | 5 | $ 319,000 | $ 63,800 | $ 60,000 |
| Lincoln, New Mexico | 3 | $ 268,000 | $ 89,333 | $ 96,000 |
| Blanco, Texas | 3 | $ 830,000 | $ 276,666 | $ 151,000 |
| Kendall, Texas | 3 | $ 604,000 | $ 201,333 | $ 77,000 |
| Tom Green, Texas | 3 | $ 148,000 | $ 49,333 | $ 272,000 |
| Gaines, Texas | 2 | $ 65,000 | $ 32,500 | $ 47,000 |
| Tarrant, Texas | 2 | $ 190,000 | $ 95,000 | $ 140,000 |
| Oklahoma, Oklahoma | 1 | $ 107,000 | $ 107,000 | $ 177,000 |
| Andrews, Texas | 1 | $ 137,000 | $ 137,000 | $ 36,000 |
| Brazos, Texas | 1 | $ 60,000 | $ 60,000 | $ 69,000 |
| Calhoun, Texas | 1 | $ 122,000 | $ 122,000 | $ 88,000 |
| Cameron, Texas | 1 | $ 116,000 | $ 116,000 | $ 117,000 |
| Childress, Texas | 1 | $ 40,000 | $ 40,000 | $ 51,000 |
| Coleman, Texas | 1 | $ 26,000 | $ 26,000 | $ 66,000 |
| Collin, Texas | 1 | $ 43,000 | $ 43,000 | $ 68,000 |
| Crane, Texas | 1 | $ 135,000 | $ 135,000 | $ 178,000 |
| Dawson, Texas | 1 | $ 22,000 | $ 22,000 | $ 272,000 |
| Gillespie, Texas | 1 | $ 148,000 | $ 148,000 | $ 34,000 |
| Guadalupe, Texas | 1 | $ 130,000 | $ 130,000 | $ 65,000 |
| Hale, Texas | 1 | $ 40,000 | $ 40,000 | $ 516,000 |
| Haskell, Texas | 1 | $ 22,000 | $ 22,000 | $ 0 |
| Hays, Texas | 1 | $ 417,000 | $ 417,000 | $ 141,000 |
| Jeff Davis, Texas | 1 | $ 128,000 | $ 128,000 | $ 730,000 |
| Martin, Texas | 1 | $ 28,000 | $ 28,000 | $ 63,000 |
| McLennan, Texas | 1 | $ 224,000 | $ 224,000 | $ 83,000 |
| Presidio, Texas | 1 | $ 160,000 | $ 160,000 | $ 730,000 |
| Reagan, Texas | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Swisher, Texas | 1 | $ 30,000 | $ 30,000 | $ 39,000 |
| Taylor, Texas | 1 | $ 73,000 | $ 73,000 | $ 22,000 |
| Upton, Texas | 1 | $ 38,000 | $ 38,000 | $ 110,000 |
| Wilson, Texas | 1 | $ 150,000 | $ 150,000 | $ 115,000 |
| Yoakum, Texas | 1 | $ 41,000 | $ 41,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Texstar Bank / Fnb Monahans in 2007
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 | 382 | $46,204,000 | $120,000 | $640,000 | $282,000 | $1,914,000 |
| Refinancing | 44 | $5,272,000 | $119,000 | $360,000 | $115,000 | $528,000 |
| Home Improvement | 33 | $1,437,000 | $43,000 | $291,000 | $80,000 | $214,000 |
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 | 316 | $41,479,000 | $131,000 | $640,000 | $126,000 | $651,000 |
| Hispanic | 77 | $7,318,000 | $95,000 | $612,000 | $85,000 | $528,000 |
| Not applicable | 59 | $3,283,000 | $55,000 | $280,000 | $1,156,000 | $1,914,000 |
| Black or African American | 6 | $538,000 | $89,000 | $153,000 | $134,000 | $314,000 |
| American Indian or Alaskan Native | 1 | $295,000 | $295,000 | $295,000 | $114,000 | $114,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 433 | $50,347,000 | $116,000 | $640,000 | $262,000 | $1,914,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,525,000 | $101,000 | $193,000 | $77,000 | $232,000 |
| VA-guaranteed (Veterans Administration) | 1 | $41,000 | $41,000 | $41,000 | $44,000 | $44,000 |
| 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 | 402 | $47,387,000 | $117,000 | $640,000 | $271,000 | $1,914,000 |
| Application Withdrawn By Applicant | 26 | $2,424,000 | $93,000 | $400,000 | $140,000 | $780,000 |
| Application Denied By Financial Institution | 20 | $1,281,000 | $64,000 | $300,000 | $60,000 | $290,000 |
| Application Approved But Not Accepted | 11 | $1,821,000 | $165,000 | $417,000 | $130,000 | $311,000 |
| 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 | 11 | $397,000 | $36,000 | $122,000 | $58,000 | $102,000 |
| Employment History | 5 | $210,000 | $42,000 | $117,000 | $35,000 | $56,000 |
| Other | 2 | $437,000 | $218,000 | $300,000 | $163,000 | $290,000 |
| Debt-To-Income Ratio | 1 | $57,000 | $57,000 | $57,000 | $45,000 | $45,000 |
| Collateral | 1 | $180,000 | $180,000 | $180,000 | $24,000 | $24,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2007 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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