United Texas Bank Mortgage Lending & HMDA Data, 2012
In 2012, United Texas Bank of Dallas, TX reported 40 mortgage applications totaling $9.0 million, up 567% from 2011. The average application was for $224,275, and applicants reported an average income of $81,400. 2% of its applications resulted in an originated loan and 55% were denied. Its largest markets were Dallas-Plano-Irving, TX (14), Houston-Sugar Land-Baytown, TX (10) and Austin-Round Rock-San Marcos, TX (4) (applications in parentheses).
| Mortgage Company & Address | United Texas Bank 13101 Preston Road, Suite 100 Dallas, TX 75240 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 40 |
| Total Mortgage Loan Application Amount | $8,971,000 |
| Average Mortgage Loan Application Amount | $224,275 |
| Highest Mortgage Loan Application Amount | $2,948,000 |
| Average Applicant Income | $81,400 |
| Highest Applicant Income | $230,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Texas Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas, Texas | 7 | $ 1,674,000 | $ 239,142 | $ 129,000 |
| Harris, Texas | 7 | $ 941,000 | $ 134,428 | $ 75,000 |
| Tarrant, Texas | 4 | $ 3,352,000 | $ 838,000 | $ 66,000 |
| Ellis, Texas | 3 | $ 341,000 | $ 113,666 | $ 59,000 |
| Collin, Texas | 2 | $ 349,000 | $ 174,500 | $ 63,000 |
| Denton, Texas | 2 | $ 233,000 | $ 116,500 | $ 77,000 |
| Guadalupe, Texas | 2 | $ 228,000 | $ 114,000 | $ 100,000 |
| Hays, Texas | 2 | $ 264,000 | $ 132,000 | $ 79,000 |
| Travis, Texas | 2 | $ 250,000 | $ 125,000 | $ 52,000 |
| Warren, New Jersey | 1 | $ 263,000 | $ 263,000 | $ 122,000 |
| Bexar, Texas | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Brazoria, Texas | 1 | $ 146,000 | $ 146,000 | $ 77,000 |
| Cameron, Texas | 1 | $ 135,000 | $ 135,000 | $ 26,000 |
| Fort Bend, Texas | 1 | $ 210,000 | $ 210,000 | $ 64,000 |
| Kerr, Texas | 1 | $ 103,000 | $ 103,000 | $ 58,000 |
| Montgomery, Texas | 1 | $ 119,000 | $ 119,000 | $ 96,000 |
| Smith, Texas | 1 | $ 102,000 | $ 102,000 | $ 105,000 |
| Van Zandt, Texas | 1 | $ 76,000 | $ 76,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for United Texas Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 36 | $5,316,000 | $147,000 | $564,000 | $80,000 | $230,000 |
| Home Purchase | 4 | $3,655,000 | $913,000 | $2,948,000 | $94,000 | $179,000 |
| 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 | 25 | $3,841,000 | $153,000 | $564,000 | $89,000 | $230,000 |
| Hispanic | 9 | $1,356,000 | $150,000 | $417,000 | $78,000 | $170,000 |
| Black or African American | 5 | $826,000 | $165,000 | $210,000 | $71,000 | $93,000 |
| Not applicable | 1 | $2,948,000 | $2,948,000 | $2,948,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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 | $7,005,000 | $259,000 | $2,948,000 | $84,000 | $230,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,756,000 | $146,000 | $177,000 | $78,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 1 | $210,000 | $210,000 | $210,000 | $64,000 | $64,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 22 | $3,370,000 | $153,000 | $564,000 | $82,000 | $230,000 |
| Application Withdrawn By Applicant | 17 | $2,653,000 | $156,000 | $417,000 | $87,000 | $179,000 |
| Loan Originated | 1 | $2,948,000 | $2,948,000 | $2,948,000 | $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 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 United Texas Bank's 2012 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 United Texas Bank'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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