Vision Bank - Texas Mortgage Lending & HMDA Data, 2012
In 2012, Vision Bank - Texas of Richardson, TX reported 22 mortgage applications totaling $8.0 million, down 12% from 2011. The average application was for $362,181, and applicants reported an average income of $221,181. 59% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dallas-Plano-Irving, TX (19), Fort Worth-Arlington, TX (1) and San Antonio-New Braunfels, TX (1) (applications in parentheses).
| Mortgage Company & Address | Vision Bank - Texas 401 W. George Bush Freeway, Suite 101 Richardson, TX 75080 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 22 |
| Total Mortgage Loan Application Amount | $7,968,000 |
| Average Mortgage Loan Application Amount | $362,181 |
| Highest Mortgage Loan Application Amount | $1,371,000 |
| Average Applicant Income | $221,181 |
| Highest Applicant Income | $1,515,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vision Bank - Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 11 | $ 2,663,000 | $ 242,090 | $ 119,000 |
| Collin, Texas | 5 | $ 1,942,000 | $ 388,400 | $ 281,000 |
| Denton, Texas | 2 | $ 1,093,000 | $ 546,500 | $ 285,000 |
| Comal, Texas | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Palo Pinto, Texas | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Rockwall, Texas | 1 | $ 89,000 | $ 89,000 | $ 66,000 |
| Tarrant, Texas | 1 | $ 1,371,000 | $ 1,371,000 | $ 1,515,000 |
Mortgage Loan Application Detail Totals for Vision Bank - Texas 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 | 13 | $4,651,000 | $357,000 | $931,000 | $181,000 | $699,000 |
| Home Purchase | 7 | $3,129,000 | $447,000 | $1,371,000 | $293,000 | $1,515,000 |
| Home Improvement | 2 | $188,000 | $94,000 | $110,000 | $231,000 | $300,000 |
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 | 11 | $5,815,000 | $528,000 | $1,371,000 | $371,000 | $1,515,000 |
| Not applicable | 9 | $1,436,000 | $159,000 | $600,000 | $0 | $0 |
| Asian | 1 | $565,000 | $565,000 | $565,000 | $699,000 | $699,000 |
| Hispanic | 1 | $152,000 | $152,000 | $152,000 | $96,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 22 | $7,968,000 | $362,000 | $1,371,000 | $221,000 | $1,515,000 |
| 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 | 13 | $1,757,000 | $135,000 | $462,000 | $66,000 | $340,000 |
| Loan Purchased By The Institution | 8 | $6,101,000 | $762,000 | $1,371,000 | $464,000 | $1,515,000 |
| Application Denied By Financial Institution | 1 | $110,000 | $110,000 | $110,000 | $300,000 | $300,000 |
| Application Withdrawn By Applicant | 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 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 1 | $110,000 | $110,000 | $110,000 | $300,000 | $300,000 |
| 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 Vision Bank - Texas'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 Vision Bank - Texas'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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