Vision Bank - Texas Mortgage Lending & HMDA Data, 2011
In 2011, Vision Bank - Texas of Richardson, TX reported 25 mortgage applications totaling $4.6 million, up 14% from 2010. The average application was for $185,880, and applicants reported an average income of $110,120. 88% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Dallas-Plano-Irving, TX (24) and Fort Worth-Arlington, TX (1).
| 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 | 25 |
| Total Mortgage Loan Application Amount | $4,647,000 |
| Average Mortgage Loan Application Amount | $185,880 |
| Highest Mortgage Loan Application Amount | $1,492,000 |
| Average Applicant Income | $110,120 |
| Highest Applicant Income | $1,020,000 |
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Act (HMDA) records Vision Bank - Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Vision Bank - Texas in 2011
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 | 18 | $3,745,000 | $208,000 | $1,492,000 | $139,000 | $1,020,000 |
| Refinancing | 4 | $450,000 | $112,000 | $300,000 | $47,000 | $191,000 |
| Home Improvement | 3 | $452,000 | $150,000 | $400,000 | $21,000 | $65,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 17 | $1,139,000 | $67,000 | $400,000 | $0 | $0 |
| White | 5 | $2,733,000 | $546,000 | $1,492,000 | $426,000 | $1,020,000 |
| Not Provided | 1 | $300,000 | $300,000 | $300,000 | $250,000 | $250,000 |
| Asian | 1 | $25,000 | $25,000 | $25,000 | $65,000 | $65,000 |
| Black or African American | 1 | $450,000 | $450,000 | $450,000 | $325,000 | $325,000 |
| Hispanic | 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 |
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) | 25 | $4,647,000 | $185,000 | $1,492,000 | $110,000 | $1,020,000 |
| 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 | 22 | $3,647,000 | $165,000 | $1,492,000 | $110,000 | $1,020,000 |
| Application Denied By Financial Institution | 3 | $1,000,000 | $333,000 | $400,000 | $111,000 | $250,000 |
| 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 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $600,000 | $300,000 | $300,000 | $167,000 | $250,000 |
| Credit History | 1 | $400,000 | $400,000 | $400,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2011 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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