Viewpoint Bank Mortgage Lending & HMDA Data, 2006
In 2006, Viewpoint Bank of Plano, TX reported 1,943 mortgage applications totaling $182.0 million. The average application was for $93,673, and applicants reported an average income of $83,839. 42% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,538), Fort Worth-Arlington, TX (78) and Houston-Sugar Land-Baytown, TX (45) (applications in parentheses).
| Mortgage Company & Address | Viewpoint Bank 1309 W 15th, Suite 302 Plano, TX 75075 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 1,943 |
| Total Mortgage Loan Application Amount | $182,008,000 |
| Average Mortgage Loan Application Amount | $93,673 |
| Highest Mortgage Loan Application Amount | $11,250,000 |
| Average Applicant Income | $83,839 |
| Highest Applicant Income | $1,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Viewpoint Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Collin, Texas | 758 | $ 60,754,000 | $ 80,150 | $ 96,000 |
| Dallas, Texas | 529 | $ 41,257,000 | $ 77,990 | $ 77,000 |
| Denton, Texas | 205 | $ 16,812,000 | $ 82,009 | $ 91,000 |
| Tarrant, Texas | 70 | $ 6,260,000 | $ 89,428 | $ 94,000 |
| Grayson, Texas | 25 | $ 2,329,000 | $ 93,160 | $ 78,000 |
| Harris, Texas | 21 | $ 2,548,000 | $ 121,333 | $ 20,000 |
| Bexar, Texas | 16 | $ 2,046,000 | $ 127,875 | $ 135,000 |
| Rockwall, Texas | 15 | $ 1,249,000 | $ 83,266 | $ 78,000 |
| Ellis, Texas | 14 | $ 1,484,000 | $ 106,000 | $ 76,000 |
| Kaufman, Texas | 12 | $ 1,065,000 | $ 88,750 | $ 54,000 |
| Fannin, Texas | 11 | $ 1,007,000 | $ 91,545 | $ 80,000 |
| Montgomery, Texas | 9 | $ 1,571,000 | $ 174,555 | $ 67,000 |
| Travis, Texas | 7 | $ 817,000 | $ 116,714 | $ 56,000 |
| Webb, Texas | 7 | $ 704,000 | $ 100,571 | $ 6,000 |
| Fort Bend, Texas | 6 | $ 611,000 | $ 101,833 | $ 17,000 |
| Williamson, Texas | 6 | $ 850,000 | $ 141,666 | $ 36,000 |
| Brazoria, Texas | 5 | $ 900,000 | $ 180,000 | $ 33,000 |
| Hays, Texas | 5 | $ 546,000 | $ 109,200 | $ 42,000 |
| Hunt, Texas | 5 | $ 483,000 | $ 96,600 | $ 126,000 |
| Galveston, Texas | 4 | $ 535,000 | $ 133,750 | $ 77,000 |
| Johnson, Texas | 4 | $ 227,000 | $ 56,750 | $ 105,000 |
| Henderson, Texas | 3 | $ 180,000 | $ 60,000 | $ 34,000 |
| Hidalgo, Texas | 3 | $ 514,000 | $ 171,333 | $ 80,000 |
| Brazos, Texas | 2 | $ 115,000 | $ 57,500 | $ 89,000 |
| Guadalupe, Texas | 2 | $ 139,000 | $ 69,500 | $ 8,000 |
| Kendall, Texas | 2 | $ 227,000 | $ 113,500 | $ 101,000 |
| McLennan, Texas | 2 | $ 85,000 | $ 42,500 | $ 53,000 |
| Parker, Texas | 2 | $ 468,000 | $ 234,000 | $ 128,000 |
| Smith, Texas | 2 | $ 456,000 | $ 228,000 | $ 126,000 |
| Wise, Texas | 2 | $ 30,000 | $ 15,000 | $ 47,000 |
| Maricopa, Arizona | 1 | $ 300,000 | $ 300,000 | $ 196,000 |
| Yuma, Arizona | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Douglas, Colorado | 1 | $ 136,000 | $ 136,000 | $ 375,000 |
| Clark, Nevada | 1 | $ 282,000 | $ 282,000 | $ 75,000 |
| Transylvania, North Carolina | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Warren, North Carolina | 1 | $ 360,000 | $ 360,000 | $ 67,000 |
| Fairfield, Ohio | 1 | $ 186,000 | $ 186,000 | $ 11,000 |
| Cleveland, Oklahoma | 1 | $ 73,000 | $ 73,000 | $ 100,000 |
| Oklahoma, Oklahoma | 1 | $ 11,250,000 | $ 11,250,000 | $ 0 |
| Cumberland, Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 74,000 |
| Aransas, Texas | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Bastrop, Texas | 1 | $ 143,000 | $ 143,000 | $ 45,000 |
| Bell, Texas | 1 | $ 5,000 | $ 5,000 | $ 43,000 |
| Bowie, Texas | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Burnet, Texas | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Cooke, Texas | 1 | $ 166,000 | $ 166,000 | $ 161,000 |
| Ector, Texas | 1 | $ 44,000 | $ 44,000 | $ 27,000 |
| El Paso, Texas | 1 | $ 115,000 | $ 115,000 | $ 82,000 |
| Llano, Texas | 1 | $ 60,000 | $ 60,000 | $ 37,000 |
| Lubbock, Texas | 1 | $ 71,000 | $ 71,000 | $ 121,000 |
| Nacogdoches, Texas | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Nueces, Texas | 1 | $ 98,000 | $ 98,000 | $ 52,000 |
| Palo Pinto, Texas | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Van Zandt, Texas | 1 | $ 52,000 | $ 52,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Viewpoint Bank 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 Improvement | 811 | $32,521,000 | $40,000 | $503,000 | $93,000 | $540,000 |
| Home Purchase | 723 | $99,564,000 | $137,000 | $1,300,000 | $78,000 | $1,600,000 |
| Refinancing | 409 | $49,923,000 | $122,000 | $11,250,000 | $76,000 | $450,000 |
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 | 1,016 | $86,584,000 | $85,000 | $503,000 | $93,000 | $553,000 |
| Not Provided | 441 | $30,202,000 | $68,000 | $460,000 | $85,000 | $720,000 |
| Hispanic | 160 | $13,249,000 | $82,000 | $300,000 | $63,000 | $265,000 |
| Not applicable | 122 | $31,070,000 | $254,000 | $11,250,000 | $51,000 | $1,600,000 |
| Black or African American | 95 | $9,429,000 | $99,000 | $354,000 | $69,000 | $504,000 |
| Asian | 89 | $9,068,000 | $101,000 | $350,000 | $75,000 | $231,000 |
| American Indian or Alaskan Native | 13 | $1,032,000 | $79,000 | $273,000 | $67,000 | $146,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,374,000 | $196,000 | $417,000 | $102,000 | $200,000 |
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 | $182,008,000 | $93,000 | $11,250,000 | $84,000 | $1,600,000 |
| 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 | 818 | $78,743,000 | $96,000 | $11,250,000 | $95,000 | $553,000 |
| Application Denied By Financial Institution | 527 | $34,763,000 | $65,000 | $500,000 | $79,000 | $540,000 |
| Application Approved But Not Accepted | 266 | $26,099,000 | $98,000 | $417,000 | $95,000 | $450,000 |
| Preapproval Denied by Financial Institution | 165 | $20,168,000 | $122,000 | $300,000 | $57,000 | $720,000 |
| Loan Purchased By The Institution | 121 | $19,820,000 | $163,000 | $1,300,000 | $52,000 | $1,600,000 |
| Application Withdrawn By Applicant | 46 | $2,415,000 | $52,000 | $210,000 | $54,000 | $400,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 245 | $20,107,000 | $82,000 | $300,000 | $71,000 | $720,000 |
| Debt-To-Income Ratio | 207 | $19,485,000 | $94,000 | $384,000 | $48,000 | $200,000 |
| Collateral | 153 | $7,859,000 | $51,000 | $300,000 | $108,000 | $540,000 |
| Other | 57 | $4,321,000 | $75,000 | $500,000 | $91,000 | $520,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $2,544,000 | $106,000 | $200,000 | $57,000 | $180,000 |
| Unverifiable Information | 5 | $482,000 | $96,000 | $260,000 | $77,000 | $130,000 |
| Employment History | 1 | $133,000 | $133,000 | $133,000 | $120,000 | $120,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Viewpoint Bank'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 Viewpoint 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.
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