Vista Bank Texas Mortgage Lending & HMDA Data, 2013
In 2013, Vista Bank Texas of Houston, TX reported 51 mortgage applications totaling $29.8 million, down 32% from 2012. The average application was for $584,784, and applicants reported an average income of $449,274. 94% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (46), Lubbock, TX (1) and San Antonio-New Braunfels, TX (1) (applications in parentheses).
| Mortgage Company & Address | Vista Bank Texas 1415 Louisiana St Houston, TX 77002 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 51 |
| Total Mortgage Loan Application Amount | $29,824,000 |
| Average Mortgage Loan Application Amount | $584,784 |
| Highest Mortgage Loan Application Amount | $7,700,000 |
| Average Applicant Income | $449,274 |
| Highest Applicant Income | $7,700,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Vista Bank Texas filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Harris, Texas | 35 | $ 25,442,000 | $ 726,914 | $ 568,000 |
| Fort Bend, Texas | 7 | $ 1,796,000 | $ 256,571 | $ 205,000 |
| Galveston, Texas | 3 | $ 399,000 | $ 133,000 | $ 0 |
| Cuming, Nebraska | 1 | $ 109,000 | $ 109,000 | $ 440,000 |
| Bandera, Texas | 1 | $ 855,000 | $ 855,000 | $ 266,000 |
| Brazoria, Texas | 1 | $ 103,000 | $ 103,000 | $ 118,000 |
| Grimes, Texas | 1 | $ 50,000 | $ 50,000 | $ 174,000 |
| Lubbock, Texas | 1 | $ 70,000 | $ 70,000 | $ 174,000 |
| Walker, Texas | 1 | $ 1,000,000 | $ 1,000,000 | $ 398,000 |
Mortgage Loan Application Detail Totals for Vista Bank Texas in 2013
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 | 42 | $28,276,000 | $673,000 | $7,700,000 | $501,000 | $7,700,000 |
| Home Improvement | 7 | $1,069,000 | $152,000 | $263,000 | $155,000 | $208,000 |
| Refinancing | 2 | $479,000 | $239,000 | $385,000 | $393,000 | $649,000 |
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 | 28 | $14,110,000 | $503,000 | $2,250,000 | $643,000 | $7,700,000 |
| Not applicable | 15 | $10,961,000 | $730,000 | $7,700,000 | $0 | $0 |
| Not Provided | 4 | $2,637,000 | $659,000 | $2,000,000 | $453,000 | $834,000 |
| Asian | 4 | $2,116,000 | $529,000 | $1,240,000 | $769,000 | $2,424,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 51 | $29,824,000 | $584,000 | $7,700,000 | $449,000 | $7,700,000 |
| 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 | 48 | $27,115,000 | $564,000 | $7,700,000 | $453,000 | $7,700,000 |
| Application Denied By Financial Institution | 3 | $2,709,000 | $903,000 | $2,000,000 | $389,000 | $834,000 |
| 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 | 3 | $2,709,000 | $903,000 | $2,000,000 | $389,000 | $834,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Vista Bank Texas's 2013 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 Vista 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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