Westbound Bank Mortgage Lending & HMDA Data, 2009
In 2009, Westbound Bank of Katy, TX reported 2,095 mortgage applications totaling $492.7 million, up 7382% from 2008. The average application was for $235,200, and applicants reported an average income of $643. 1% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (339), Phoenix-Mesa-Scottsdale, AZ (223) and Edison-New Brunswick, NJ (214) (applications in parentheses).
| Mortgage Company & Address | Westbound Bank 655 West Grand Parkway South Katy, TX 77494 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 2,095 |
| Total Mortgage Loan Application Amount | $492,746,000 |
| Average Mortgage Loan Application Amount | $235,200 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $643 |
| Highest Applicant Income | $306,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Westbound Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 339 | $ 48,357,000 | $ 142,646 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 223 | $ 35,485,000 | $ 159,125 | $ 0 |
| Edison-New Brunswick, NJ | 214 | $ 63,788,000 | $ 298,074 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 160 | $ 55,584,000 | $ 347,400 | $ 0 |
| Newark-Union, NJ-PA | 151 | $ 49,494,000 | $ 327,774 | $ 0 |
| Salt Lake City, UT | 138 | $ 41,143,000 | $ 298,137 | $ 0 |
| Albuquerque, NM | 111 | $ 19,536,000 | $ 176,000 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 47 | $ 9,775,000 | $ 207,978 | $ 20,000 |
| Nassau-Suffolk, NY | 43 | $ 14,801,000 | $ 344,209 | $ 0 |
| Philadelphia, PA | 35 | $ 8,039,000 | $ 229,685 | $ 0 |
| Las Vegas-Paradise, NV | 32 | $ 5,433,000 | $ 169,781 | $ 3,000 |
| Peabody, MA | 28 | $ 7,782,000 | $ 277,928 | $ 0 |
| Camden, NJ | 26 | $ 5,707,000 | $ 219,500 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 25 | $ 6,569,000 | $ 262,760 | $ 0 |
| Tucson, AZ | 22 | $ 3,322,000 | $ 151,000 | $ 0 |
| Dallas-Plano-Irving, TX | 21 | $ 4,353,000 | $ 207,285 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 8,168,000 | $ 510,500 | $ 24,187 |
| Bethesda-Frederick-Rockville, MD | 14 | $ 5,418,000 | $ 387,000 | $ 0 |
| Colorado Springs, CO | 13 | $ 2,482,000 | $ 190,923 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 3,038,000 | $ 233,692 | $ 0 |
| Trenton-Ewing, NJ | 13 | $ 2,781,000 | $ 213,923 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 12 | $ 3,925,000 | $ 327,083 | $ 11,000 |
| Denver-Aurora-Broomfield, CO | 10 | $ 2,319,000 | $ 231,900 | $ 0 |
| Farmington, NM | 10 | $ 1,608,000 | $ 160,800 | $ 0 |
| Ogden-Clearfield, UT | 10 | $ 1,902,000 | $ 190,200 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 9 | $ 2,625,000 | $ 291,666 | $ 0 |
| Atlantic City-Hammonton, NJ | 8 | $ 1,510,000 | $ 188,750 | $ 0 |
| Baltimore-Towson, MD | 8 | $ 2,169,000 | $ 271,125 | $ 0 |
| Cambridge-Newton-Framingham, MA | 8 | $ 2,247,000 | $ 280,875 | $ 0 |
| College Station-Bryan, TX | 8 | $ 1,119,000 | $ 139,875 | $ 0 |
| Fort Worth-Arlington, TX | 8 | $ 1,120,000 | $ 140,000 | $ 0 |
| New Haven-Milford, CT | 8 | $ 1,440,000 | $ 180,000 | $ 0 |
| Santa Ana-Anaheim-Irvine, CA | 8 | $ 2,777,000 | $ 347,125 | $ 0 |
| Austin-Round Rock, TX | 7 | $ 1,095,000 | $ 156,428 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 2,028,000 | $ 289,714 | $ 0 |
| San Antonio, TX | 7 | $ 1,667,000 | $ 238,142 | $ 0 |
| Reno-Sparks, NV | 6 | $ 1,054,000 | $ 175,666 | $ 0 |
| Santa Fe, NM | 6 | $ 1,651,000 | $ 275,166 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 1,262,000 | $ 252,400 | $ 0 |
| Atlanta-Sandy Springs-Marietta, GA | 5 | $ 1,374,000 | $ 274,800 | $ 0 |
| Boston-Quincy, MA | 5 | $ 1,631,000 | $ 326,200 | $ 0 |
| Buffalo-Niagara Falls, NY | 5 | $ 587,000 | $ 117,400 | $ 0 |
| Chicago-Naperville-Joliet, IL | 5 | $ 1,463,000 | $ 292,600 | $ 61,000 |
| Pittsburgh, PA | 5 | $ 861,000 | $ 172,200 | $ 0 |
| Kingston, NY | 4 | $ 972,000 | $ 243,000 | $ 0 |
| Ocean City, NJ | 4 | $ 954,000 | $ 238,500 | $ 0 |
| Reading, PA | 4 | $ 692,000 | $ 173,000 | $ 0 |
| Rockingham County-Strafford County, NH | 4 | $ 998,000 | $ 249,500 | $ 0 |
| Wilmington, DE-MD-NJ | 4 | $ 634,000 | $ 158,500 | $ 0 |
| Albany-Schenectady-Troy, NY | 3 | $ 551,000 | $ 183,666 | $ 0 |
| Dover, DE | 3 | $ 685,000 | $ 228,333 | $ 0 |
| Fresno, CA | 3 | $ 581,000 | $ 193,666 | $ 0 |
| Jacksonville, FL | 3 | $ 679,000 | $ 226,333 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 924,000 | $ 308,000 | $ 30,000 |
| Orlando-Kissimmee, FL | 3 | $ 505,000 | $ 168,333 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,516,000 | $ 505,333 | $ 0 |
| Asheville, NC | 2 | $ 478,000 | $ 239,000 | $ 0 |
| Binghamton, NY | 2 | $ 413,000 | $ 206,500 | $ 0 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Corpus Christi, TX | 2 | $ 275,000 | $ 137,500 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 468,000 | $ 234,000 | $ 0 |
| El Paso, TX | 2 | $ 222,000 | $ 111,000 | $ 0 |
| Glens Falls, NY | 2 | $ 194,000 | $ 97,000 | $ 0 |
| Honolulu, HI | 2 | $ 1,206,000 | $ 603,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 569,000 | $ 284,500 | $ 0 |
| Lake County-Kenosha County, IL-WI | 2 | $ 485,000 | $ 242,500 | $ 0 |
| Lake Havasu City-Kingman, AZ | 2 | $ 232,000 | $ 116,000 | $ 0 |
| Las Cruces, NM | 2 | $ 367,000 | $ 183,500 | $ 0 |
| Longview, TX | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Manchester-Nashua, NH | 2 | $ 430,000 | $ 215,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 2 | $ 292,000 | $ 146,000 | $ 0 |
| Memphis, TN-MS-AR | 2 | $ 372,000 | $ 186,000 | $ 0 |
| Norwich-New London, CT | 2 | $ 494,000 | $ 247,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 2 | $ 1,333,000 | $ 666,500 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 555,000 | $ 277,500 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 655,000 | $ 327,500 | $ 0 |
| Portland-South Portland-Biddeford, ME | 2 | $ 412,000 | $ 206,000 | $ 0 |
| Raleigh-Cary, NC | 2 | $ 297,000 | $ 148,500 | $ 13,000 |
| Redding, CA | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Rochester, NY | 2 | $ 256,000 | $ 128,000 | $ 0 |
| Syracuse, NY | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Utica-Rome, NY | 2 | $ 197,000 | $ 98,500 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 575,000 | $ 287,500 | $ 31,000 |
| Anderson, SC | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Bakersfield, CA | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Bangor, ME | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Billings, MT | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Columbus, OH | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Eugene-Springfield, OR | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Fayetteville, NC | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 137,000 | $ 137,000 | $ 93,000 |
| Flagstaff, AZ | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Grand Junction, CO | 1 | $ 422,000 | $ 422,000 | $ 0 |
| Greeley, CO | 1 | $ 196,000 | $ 196,000 | $ 44,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Indianapolis-Carmel, IN | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Ithaca, NY | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Jackson, MI | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Joplin, MO | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Kokomo, IN | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Lafayette, LA | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Logan, UT-ID | 1 | $ 263,000 | $ 263,000 | $ 263,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 317,000 | $ 317,000 | $ 0 |
| Montgomery, AL | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 174,000 | $ 174,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Ocala, FL | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Olympia, WA | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 276,000 | $ 276,000 | $ 110,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Prescott, AZ | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 208,000 | $ 208,000 | $ 0 |
| Pueblo, CO | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 207,000 | $ 207,000 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 658,000 | $ 658,000 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 183,000 | $ 183,000 | $ 65,000 |
| Sioux City, IA-NE-SD | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Spartanburg, SC | 1 | $ 174,000 | $ 174,000 | $ 0 |
| St. George, UT | 1 | $ 123,000 | $ 123,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Stockton, CA | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Sumter, SC | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Toledo, OH | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Tyler, TX | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 134,000 | $ 134,000 | $ 0 |
Mortgage Loan Application Detail Totals for Westbound Bank in 2009
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 | 1,099 | $293,013,000 | $266,000 | $812,000 | $0 | $300,000 |
| Home Purchase | 985 | $198,488,000 | $201,000 | $1,000,000 | $1,000 | $306,000 |
| Home Improvement | 11 | $1,245,000 | $113,000 | $425,000 | $33,000 | $180,000 |
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 | 2,048 | $479,413,000 | $234,000 | $1,000,000 | $0 | $263,000 |
| White | 27 | $8,358,000 | $309,000 | $898,000 | $81,000 | $306,000 |
| Not Provided | 14 | $3,695,000 | $263,000 | $617,000 | $24,000 | $110,000 |
| Black or African American | 3 | $502,000 | $167,000 | $180,000 | $59,000 | $66,000 |
| Hispanic | 2 | $494,000 | $247,000 | $326,000 | $0 | $0 |
| Asian | 1 | $284,000 | $284,000 | $284,000 | $108,000 | $108,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 998 | $262,160,000 | $262,000 | $800,000 | $1,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 939 | $186,397,000 | $198,000 | $724,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 158 | $44,189,000 | $279,000 | $1,000,000 | $12,000 | $306,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 Purchased By The Institution | 2,066 | $485,661,000 | $235,000 | $1,000,000 | $0 | $306,000 |
| Loan Originated | 27 | $6,885,000 | $255,000 | $800,000 | $81,000 | $300,000 |
| Application Withdrawn By Applicant | 2 | $200,000 | $100,000 | $150,000 | $90,000 | $114,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Westbound Bank's 2009 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 Westbound 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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