The Bank of San Antonio Mortgage Lending & HMDA Data, 2016
In 2016, The Bank of San Antonio of San Antonio, TX reported 80 mortgage applications totaling $30.0 million, up 43% from 2015. The average application was for $375,375, and applicants reported an average income of $265,750. 84% of its applications resulted in an originated loan and 8% were denied. Its largest markets were San Antonio-New Braunfels, TX (66), Austin-Round Rock, TX (2) and Boulder, CO (1) (applications in parentheses).
| Mortgage Company & Address | The Bank of San Antonio 1900 Nw Loop 410 San Antonio, TX 78249 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 80 |
| Total Mortgage Loan Application Amount | $30,030,000 |
| Average Mortgage Loan Application Amount | $375,375 |
| Highest Mortgage Loan Application Amount | $5,260,000 |
| Average Applicant Income | $265,750 |
| Highest Applicant Income | $3,775,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Bank of San Antonio filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 The Bank of San Antonio in 2016
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 | 44 | $20,909,000 | $475,000 | $5,260,000 | $304,000 | $3,775,000 |
| Refinancing | 36 | $9,121,000 | $253,000 | $898,000 | $219,000 | $2,195,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 31 | $14,926,000 | $481,000 | $5,260,000 | $429,000 | $3,775,000 |
| Not applicable | 25 | $7,721,000 | $308,000 | $2,880,000 | $0 | $0 |
| Not Provided | 14 | $4,627,000 | $330,000 | $917,000 | $435,000 | $2,195,000 |
| Hispanic | 8 | $2,508,000 | $313,000 | $840,000 | $222,000 | $704,000 |
| American Indian or Alaskan Native | 1 | $100,000 | $100,000 | $100,000 | $52,000 | $52,000 |
| Black or African American | 1 | $148,000 | $148,000 | $148,000 | $30,000 | $30,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 80 | $30,030,000 | $375,000 | $5,260,000 | $266,000 | $3,775,000 |
| 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 | 67 | $25,205,000 | $376,000 | $5,260,000 | $273,000 | $3,775,000 |
| Application Denied By Financial Institution | 6 | $2,242,000 | $373,000 | $625,000 | $164,000 | $444,000 |
| Application Withdrawn By Applicant | 3 | $1,979,000 | $659,000 | $917,000 | $538,000 | $1,078,000 |
| Loan Purchased By The Institution | 3 | $372,000 | $124,000 | $148,000 | $37,000 | $42,000 |
| Application Approved But Not Accepted | 1 | $232,000 | $232,000 | $232,000 | $230,000 | $230,000 |
| 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 | 2 | $217,000 | $108,000 | $117,000 | $67,000 | $82,000 |
| Unverifiable Information | 2 | $1,175,000 | $587,000 | $625,000 | $108,000 | $217,000 |
| Other | 1 | $400,000 | $400,000 | $400,000 | $191,000 | $191,000 |
| Collateral | 1 | $450,000 | $450,000 | $450,000 | $444,000 | $444,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank of San Antonio's 2016 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 The Bank of San Antonio'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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