Viewpoint Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Viewpoint Bank 2008 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 2,710 |
| Total Mortgage Loan Application Amount | $398,099,000 |
| Average Mortgage Loan Application Amount | $140,333 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $119,333 |
| Highest Applicant Income | $8,964,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Viewpoint Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Viewpoint Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Viewpoint Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Viewpoint Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Viewpoint Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Viewpoint Bank's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Collin County Texas | 809 | $ 96,773,000 | $ 119,000 | $ 115,000 |
| Dallas County Texas | 768 | $ 130,483,000 | $ 169,000 | $ 141,000 |
| Tarrant County Texas | 325 | $ 54,413,000 | $ 167,000 | $ 104,000 |
| Denton County Texas | 284 | $ 36,827,000 | $ 129,000 | $ 115,000 |
| Ellis County Texas | 67 | $ 8,723,000 | $ 130,000 | $ 77,000 |
| Rockwall County Texas | 51 | $ 8,829,000 | $ 173,000 | $ 161,000 |
| Hunt County Texas | 43 | $ 4,061,000 | $ 94,000 | $ 66,000 |
| Grayson County Texas | 33 | $ 3,351,000 | $ 101,000 | $ 87,000 |
| Bexar County Texas | 30 | $ 5,009,000 | $ 166,000 | $ 66,000 |
| Kaufman County Texas | 29 | $ 3,314,000 | $ 114,000 | $ 81,000 |
| Parker County Texas | 28 | $ 4,703,000 | $ 167,000 | $ 96,000 |
| Harris County Texas | 20 | $ 5,098,000 | $ 254,000 | $ 135,000 |
| Johnson County Texas | 17 | $ 2,870,000 | $ 168,000 | $ 128,000 |
| Henderson County Texas | 15 | $ 1,909,000 | $ 127,000 | $ 93,000 |
| Nueces County Texas | 15 | $ 2,056,000 | $ 137,000 | $ 75,000 |
| Palo Pinto County Texas | 15 | $ 1,504,000 | $ 100,000 | $ 68,000 |
| Travis County Texas | 12 | $ 4,133,000 | $ 344,000 | $ 144,000 |
| Hood County Texas | 11 | $ 2,858,000 | $ 259,000 | $ 176,000 |
| Navarro County Texas | 9 | $ 1,000,000 | $ 111,000 | $ 56,000 |
| Hays County Texas | 6 | $ 1,014,000 | $ 169,000 | $ 192,000 |
| Fannin County Texas | 5 | $ 413,000 | $ 82,000 | $ 77,000 |
| Fort Bend County Texas | 5 | $ 548,000 | $ 109,000 | $ 88,000 |
| Montgomery County Texas | 5 | $ 1,407,000 | $ 281,000 | $ 101,000 |
| Wood County Texas | 5 | $ 609,000 | $ 121,000 | $ 146,000 |
| Hopkins County Texas | 4 | $ 483,000 | $ 120,000 | $ 92,000 |
| Van Zandt County Texas | 4 | $ 357,000 | $ 89,000 | $ 110,000 |
| Cameron County Texas | 3 | $ 431,000 | $ 143,000 | $ 129,000 |
| Cooke County Texas | 3 | $ 258,000 | $ 86,000 | $ 46,000 |
| Lubbock County Texas | 3 | $ 458,000 | $ 152,000 | $ 127,000 |
| Rains County Texas | 3 | $ 207,000 | $ 69,000 | $ 72,000 |
| San Patricio County Texas | 3 | $ 623,000 | $ 207,000 | $ 101,000 |
| Wise County Texas | 3 | $ 630,000 | $ 210,000 | $ 86,000 |
| Bowie County Texas | 2 | $ 309,000 | $ 154,000 | $ 84,000 |
| Erath County Texas | 2 | $ 131,000 | $ 65,000 | $ 73,000 |
| Guadalupe County Texas | 2 | $ 287,000 | $ 143,000 | $ 64,000 |
| Hill County Texas | 2 | $ 320,000 | $ 160,000 | $ 91,000 |
| Medina County Texas | 2 | $ 404,000 | $ 202,000 | $ 95,000 |
| Mills County Texas | 2 | $ 100,000 | $ 50,000 | $ 180,000 |
| Smith County Texas | 2 | $ 289,000 | $ 144,000 | $ 80,000 |
| Taylor County Texas | 2 | $ 133,000 | $ 66,000 | $ 51,000 |
| Jefferson County Alabama | 1 | $ 248,000 | $ 248,000 | $ 84,000 |
| Union County Arkansas | 1 | $ 106,000 | $ 106,000 | $ 55,000 |
| Washington County Arkansas | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| San Bernardino County California | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 516,000 | $ 516,000 | $ 195,000 |
| Williamson County Illinois | 1 | $ 174,000 | $ 174,000 | $ 217,000 |
| Bernalillo County New Mexico | 1 | $ 207,000 | $ 207,000 | $ 87,000 |
| Cleveland County Oklahoma | 1 | $ 117,000 | $ 117,000 | $ 56,000 |
| Grady County Oklahoma | 1 | $ 117,000 | $ 117,000 | $ 47,000 |
| Marshall County Oklahoma | 1 | $ 54,000 | $ 54,000 | $ 131,000 |
| Austin County Texas | 1 | $ 124,000 | $ 124,000 | $ 83,000 |
| Bastrop County Texas | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Baylor County Texas | 1 | $ 63,000 | $ 63,000 | $ 1,451,000 |
| Bell County Texas | 1 | $ 100,000 | $ 100,000 | $ 39,000 |
| Brazos County Texas | 1 | $ 2,050,000 | $ 2,050,000 | $ 0 |
| Caldwell County Texas | 1 | $ 102,000 | $ 102,000 | $ 30,000 |
| Chambers County Texas | 1 | $ 147,000 | $ 147,000 | $ 87,000 |
| Comanche County Texas | 1 | $ 88,000 | $ 88,000 | $ 80,000 |
| Duval County Texas | 1 | $ 15,000 | $ 15,000 | $ 10,000 |
| Ector County Texas | 1 | $ 109,000 | $ 109,000 | $ 53,000 |
| El Paso County Texas | 1 | $ 60,000 | $ 60,000 | $ 442,000 |
| Galveston County Texas | 1 | $ 184,000 | $ 184,000 | $ 154,000 |
| Harrison County Texas | 1 | $ 56,000 | $ 56,000 | $ 53,000 |
| Houston County Texas | 1 | $ 59,000 | $ 59,000 | $ 39,000 |
| Kendall County Texas | 1 | $ 66,000 | $ 66,000 | $ 114,000 |
| Midland County Texas | 1 | $ 211,000 | $ 211,000 | $ 100,000 |
| Montague County Texas | 1 | $ 96,000 | $ 96,000 | $ 77,000 |
| Morris County Texas | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| Oldham County Texas | 1 | $ 73,000 | $ 73,000 | $ 64,000 |
| Pecos County Texas | 1 | $ 87,000 | $ 87,000 | $ 75,000 |
| Randall County Texas | 1 | $ 146,000 | $ 146,000 | $ 84,000 |
| Upshur County Texas | 1 | $ 563,000 | $ 563,000 | $ 1,457,000 |
| Williamson County Texas | 1 | $ 131,000 | $ 131,000 | $ 72,000 |
| Young County Texas | 1 | $ 84,000 | $ 84,000 | $ 109,000 |
| King County Washington | 1 | $ 520,000 | $ 520,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Viewpoint Bank in 2008
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 | 1,211 | $234,144,000 | $193,000 | $2,050,000 | $117,000 | $8,964,000 |
| Home Improvement | 805 | $39,586,000 | $49,000 | $380,000 | $117,000 | $594,000 |
| Refinancing | 694 | $124,369,000 | $179,000 | $6,000,000 | $124,000 | $1,451,000 |
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 | 1,987 | $310,975,000 | $156,000 | $1,460,000 | $130,000 | $8,964,000 |
| Hispanic | 283 | $32,241,000 | $113,000 | $1,000,000 | $79,000 | $259,000 |
| Not Provided | 193 | $17,194,000 | $89,000 | $975,000 | $96,000 | $506,000 |
| Black or African American | 119 | $14,257,000 | $119,000 | $516,000 | $72,000 | $250,000 |
| Asian | 107 | $13,614,000 | $127,000 | $947,000 | $109,000 | $900,000 |
| American Indian or Alaskan Native | 15 | $1,463,000 | $97,000 | $234,000 | $135,000 | $370,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $305,000 | $76,000 | $120,000 | $62,000 | $115,000 |
| Not applicable | 2 | $8,050,000 | $4,025,000 | $6,000,000 | $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) | 1,891 | $284,382,000 | $150,000 | $6,000,000 | $140,000 | $8,964,000 |
| FHA-insured (Federal Housing Administration) | 819 | $113,717,000 | $138,000 | $298,000 | $69,000 | $670,000 |
| 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 | 1,474 | $160,501,000 | $108,000 | $6,000,000 | $95,000 | $900,000 |
| Loan Purchased By The Institution | 645 | $195,042,000 | $302,000 | $1,460,000 | $195,000 | $8,964,000 |
| Application Denied By Financial Institution | 370 | $21,992,000 | $59,000 | $498,000 | $94,000 | $594,000 |
| Application Approved But Not Accepted | 194 | $16,705,000 | $86,000 | $900,000 | $101,000 | $400,000 |
| Preapproval Denied by Financial Institution | 26 | $3,809,000 | $146,000 | $400,000 | $59,000 | $137,000 |
| Application Withdrawn By Applicant | 1 | $50,000 | $50,000 | $50,000 | $25,000 | $25,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 161 | $8,959,000 | $55,000 | $498,000 | $130,000 | $594,000 |
| Debt-To-Income Ratio | 105 | $7,375,000 | $70,000 | $400,000 | $51,000 | $204,000 |
| Credit History | 92 | $6,430,000 | $69,000 | $285,000 | $77,000 | $226,000 |
| Other | 18 | $1,530,000 | $85,000 | $309,000 | $91,000 | $289,000 |
| Unverifiable Information | 10 | $673,000 | $67,000 | $163,000 | $49,000 | $144,000 |
| Employment History | 8 | $615,000 | $76,000 | $186,000 | $82,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $219,000 | $109,000 | $122,000 | $54,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Viewpoint Bank's 2008 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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with aggregated HMDA statistics today.