Woodforest Bank, FSB Mortgage Lending & HMDA Data, 2010
In 2010, Woodforest Bank, FSB of The Woodlands, TX reported 390 mortgage applications totaling $40.1 million, up 177% from 2009. The average application was for $102,925, and applicants reported an average income of $71,261. 0% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (20), Columbia, SC (19) and Huntsville, AL (18) (applications in parentheses).
| Mortgage Company & Address | Woodforest Bank, FSB 25231 Grogans Mill Road The Woodlands, TX 77380 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 |
| Total Number of Mortgage Applications | 390 |
| Total Mortgage Loan Application Amount | $40,141,000 |
| Average Mortgage Loan Application Amount | $102,925 |
| Highest Mortgage Loan Application Amount | $418,000 |
| Average Applicant Income | $71,261 |
| Highest Applicant Income | $540,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Woodforest Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Jefferson, Kentucky | 18 | $ 2,189,000 | $ 121,611 | $ 71,000 |
| Madison, Alabama | 13 | $ 2,316,000 | $ 178,153 | $ 95,000 |
| Jefferson, Alabama | 12 | $ 1,129,000 | $ 94,083 | $ 71,000 |
| Albany, New York | 10 | $ 1,509,000 | $ 150,900 | $ 91,000 |
| East Baton Rouge, Louisiana | 9 | $ 1,266,000 | $ 140,666 | $ 96,000 |
| Fayette, Kentucky | 8 | $ 1,025,000 | $ 128,125 | $ 76,000 |
| Onondaga, New York | 8 | $ 980,000 | $ 122,500 | $ 101,000 |
| Greenville, South Carolina | 8 | $ 1,494,000 | $ 186,750 | $ 95,000 |
| Richland, South Carolina | 8 | $ 895,000 | $ 111,875 | $ 119,000 |
| York, South Carolina | 8 | $ 1,243,000 | $ 155,375 | $ 75,000 |
| Nueces, Texas | 8 | $ 1,317,000 | $ 164,625 | $ 111,000 |
| Erie, New York | 7 | $ 973,000 | $ 139,000 | $ 85,000 |
| Monroe, New York | 7 | $ 1,019,000 | $ 145,571 | $ 105,000 |
| Lexington, South Carolina | 7 | $ 1,006,000 | $ 143,714 | $ 66,000 |
| Anderson, South Carolina | 6 | $ 495,000 | $ 82,500 | $ 73,000 |
| Spartanburg, South Carolina | 6 | $ 599,000 | $ 99,833 | $ 66,000 |
| Limestone, Alabama | 5 | $ 726,000 | $ 145,200 | $ 69,000 |
| Marshall, Alabama | 5 | $ 363,000 | $ 72,600 | $ 54,000 |
| Aiken, South Carolina | 5 | $ 480,000 | $ 96,000 | $ 105,000 |
| Mobile, Alabama | 4 | $ 240,000 | $ 60,000 | $ 47,000 |
| Morgan, Alabama | 4 | $ 394,000 | $ 98,500 | $ 70,000 |
| Morehouse, Louisiana | 4 | $ 102,000 | $ 25,500 | $ 36,000 |
| Montgomery, New York | 4 | $ 35,000 | $ 8,750 | $ 33,000 |
| Union, South Carolina | 4 | $ 97,000 | $ 24,250 | $ 32,000 |
| Elmore, Alabama | 3 | $ 190,000 | $ 63,333 | $ 61,000 |
| Shelby, Alabama | 3 | $ 786,000 | $ 262,000 | $ 139,000 |
| Tuscaloosa, Alabama | 3 | $ 353,000 | $ 117,666 | $ 50,000 |
| DeKalb, Georgia | 3 | $ 534,000 | $ 178,000 | $ 71,000 |
| Jessamine, Kentucky | 3 | $ 429,000 | $ 143,000 | $ 66,000 |
| Calcasieu, Louisiana | 3 | $ 62,000 | $ 20,666 | $ 80,000 |
| Alcorn, Mississippi | 3 | $ 135,000 | $ 45,000 | $ 19,000 |
| DeSoto, Mississippi | 3 | $ 417,000 | $ 139,000 | $ 44,000 |
| Lamar, Mississippi | 3 | $ 424,000 | $ 141,333 | $ 73,000 |
| Lincoln, Mississippi | 3 | $ 85,000 | $ 28,333 | $ 32,000 |
| Pearl River, Mississippi | 3 | $ 478,000 | $ 159,333 | $ 90,000 |
| Cayuga, New York | 3 | $ 55,000 | $ 18,333 | $ 19,000 |
| Nassau, New York | 3 | $ 390,000 | $ 130,000 | $ 82,000 |
| Oneida, New York | 3 | $ 181,000 | $ 60,333 | $ 70,000 |
| Colleton, South Carolina | 3 | $ 65,000 | $ 21,666 | $ 27,000 |
| Oconee, South Carolina | 3 | $ 345,000 | $ 115,000 | $ 64,000 |
| Autauga, Alabama | 2 | $ 278,000 | $ 139,000 | $ 74,000 |
| Baldwin, Alabama | 2 | $ 121,000 | $ 60,500 | $ 56,000 |
| Butler, Alabama | 2 | $ 20,000 | $ 10,000 | $ 38,000 |
| Escambia, Alabama | 2 | $ 212,000 | $ 106,000 | $ 139,000 |
| Montgomery, Alabama | 2 | $ 40,000 | $ 20,000 | $ 75,000 |
| Pickens, Alabama | 2 | $ 15,000 | $ 7,500 | $ 53,000 |
| Broward, Florida | 2 | $ 228,000 | $ 114,000 | $ 103,000 |
| Anderson, Kentucky | 2 | $ 40,000 | $ 20,000 | $ 60,000 |
| Franklin, Kentucky | 2 | $ 242,000 | $ 121,000 | $ 41,000 |
| Madison, Kentucky | 2 | $ 175,000 | $ 87,500 | $ 29,000 |
| Oldham, Kentucky | 2 | $ 359,000 | $ 179,500 | $ 61,000 |
| Caddo, Louisiana | 2 | $ 265,000 | $ 132,500 | $ 189,000 |
| Ouachita, Louisiana | 2 | $ 355,000 | $ 177,500 | $ 40,000 |
| Rapides, Louisiana | 2 | $ 106,000 | $ 53,000 | $ 71,000 |
| St. Landry, Louisiana | 2 | $ 86,000 | $ 43,000 | $ 39,000 |
| Harrison, Mississippi | 2 | $ 546,000 | $ 273,000 | $ 299,000 |
| Hinds, Mississippi | 2 | $ 23,000 | $ 11,500 | $ 59,000 |
| Lowndes, Mississippi | 2 | $ 149,000 | $ 74,500 | $ 55,000 |
| Pontotoc, Mississippi | 2 | $ 333,000 | $ 166,500 | $ 146,000 |
| Tallahatchie, Mississippi | 2 | $ 30,000 | $ 15,000 | $ 54,000 |
| Warren, Mississippi | 2 | $ 15,000 | $ 7,500 | $ 29,000 |
| Washington, Mississippi | 2 | $ 100,000 | $ 50,000 | $ 62,000 |
| Allegany, New York | 2 | $ 20,000 | $ 10,000 | $ 48,000 |
| Niagara, New York | 2 | $ 20,000 | $ 10,000 | $ 36,000 |
| Oswego, New York | 2 | $ 222,000 | $ 111,000 | $ 78,000 |
| St. Lawrence, New York | 2 | $ 20,000 | $ 10,000 | $ 25,000 |
| Wayne, New York | 2 | $ 11,000 | $ 5,500 | $ 25,000 |
| Beaufort, South Carolina | 2 | $ 262,000 | $ 131,000 | $ 55,000 |
| Charleston, South Carolina | 2 | $ 185,000 | $ 92,500 | $ 46,000 |
| Cherokee, South Carolina | 2 | $ 30,000 | $ 15,000 | $ 18,000 |
| Horry, South Carolina | 2 | $ 499,000 | $ 249,500 | $ 76,000 |
| Kershaw, South Carolina | 2 | $ 161,000 | $ 80,500 | $ 84,000 |
| Laurens, South Carolina | 2 | $ 20,000 | $ 10,000 | $ 22,000 |
| Barbour, Alabama | 1 | $ 168,000 | $ 168,000 | $ 80,000 |
| Calhoun, Alabama | 1 | $ 80,000 | $ 80,000 | $ 19,000 |
| Coffee, Alabama | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Conecuh, Alabama | 1 | $ 5,000 | $ 5,000 | $ 19,000 |
| Covington, Alabama | 1 | $ 30,000 | $ 30,000 | $ 28,000 |
| Cullman, Alabama | 1 | $ 263,000 | $ 263,000 | $ 89,000 |
| Etowah, Alabama | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Geneva, Alabama | 1 | $ 5,000 | $ 5,000 | $ 35,000 |
| Greene, Alabama | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Lawrence, Alabama | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Lee, Alabama | 1 | $ 212,000 | $ 212,000 | $ 94,000 |
| Lowndes, Alabama | 1 | $ 10,000 | $ 10,000 | $ 23,000 |
| Talladega, Alabama | 1 | $ 2,000 | $ 2,000 | $ 30,000 |
| Alachua, Florida | 1 | $ 147,000 | $ 147,000 | $ 191,000 |
| Escambia, Florida | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Marion, Florida | 1 | $ 136,000 | $ 136,000 | $ 66,000 |
| Palm Beach, Florida | 1 | $ 146,000 | $ 146,000 | $ 80,000 |
| Bibb, Georgia | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
| Coweta, Georgia | 1 | $ 10,000 | $ 10,000 | $ 82,000 |
| Gwinnett, Georgia | 1 | $ 118,000 | $ 118,000 | $ 56,000 |
| Henry, Georgia | 1 | $ 190,000 | $ 190,000 | $ 82,000 |
| Monroe, Georgia | 1 | $ 10,000 | $ 10,000 | $ 13,000 |
| Stephens, Georgia | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Adair, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| Boone, Kentucky | 1 | $ 127,000 | $ 127,000 | $ 43,000 |
| Boyle, Kentucky | 1 | $ 162,000 | $ 162,000 | $ 154,000 |
| Bracken, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 23,000 |
| Breckinridge, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 17,000 |
| Calloway, Kentucky | 1 | $ 20,000 | $ 20,000 | $ 20,000 |
| Campbell, Kentucky | 1 | $ 93,000 | $ 93,000 | $ 39,000 |
| Carroll, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| Daviess, Kentucky | 1 | $ 107,000 | $ 107,000 | $ 156,000 |
| Edmonson, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 19,000 |
| Greenup, Kentucky | 1 | $ 156,000 | $ 156,000 | $ 97,000 |
| Hardin, Kentucky | 1 | $ 146,000 | $ 146,000 | $ 153,000 |
| Kenton, Kentucky | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Knox, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 26,000 |
| Laurel, Kentucky | 1 | $ 133,000 | $ 133,000 | $ 70,000 |
| Logan, Kentucky | 1 | $ 151,000 | $ 151,000 | $ 49,000 |
| Marion, Kentucky | 1 | $ 6,000 | $ 6,000 | $ 54,000 |
| McCracken, Kentucky | 1 | $ 150,000 | $ 150,000 | $ 223,000 |
| Pulaski, Kentucky | 1 | $ 109,000 | $ 109,000 | $ 48,000 |
| Rockcastle, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Rowan, Kentucky | 1 | $ 109,000 | $ 109,000 | $ 62,000 |
| Whitley, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Allen, Louisiana | 1 | $ 50,000 | $ 50,000 | $ 34,000 |
| Ascension, Louisiana | 1 | $ 216,000 | $ 216,000 | $ 162,000 |
| Grant, Louisiana | 1 | $ 156,000 | $ 156,000 | $ 116,000 |
| Lafourche, Louisiana | 1 | $ 168,000 | $ 168,000 | $ 119,000 |
| Orleans, Louisiana | 1 | $ 193,000 | $ 193,000 | $ 73,000 |
| St. John the Baptist, Louisiana | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Tangipahoa, Louisiana | 1 | $ 208,000 | $ 208,000 | $ 81,000 |
| Tensas, Louisiana | 1 | $ 10,000 | $ 10,000 | $ 64,000 |
| Washington, Louisiana | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Amite, Mississippi | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Clay, Mississippi | 1 | $ 10,000 | $ 10,000 | $ 165,000 |
| Coahoma, Mississippi | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| Copiah, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 31,000 |
| Forrest, Mississippi | 1 | $ 121,000 | $ 121,000 | $ 90,000 |
| Franklin, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Grenada, Mississippi | 1 | $ 30,000 | $ 30,000 | $ 40,000 |
| Hancock, Mississippi | 1 | $ 202,000 | $ 202,000 | $ 82,000 |
| Jones, Mississippi | 1 | $ 118,000 | $ 118,000 | $ 58,000 |
| Lafayette, Mississippi | 1 | $ 2,000 | $ 2,000 | $ 19,000 |
| Lauderdale, Mississippi | 1 | $ 132,000 | $ 132,000 | $ 86,000 |
| Madison, Mississippi | 1 | $ 130,000 | $ 130,000 | $ 77,000 |
| Monroe, Mississippi | 1 | $ 163,000 | $ 163,000 | $ 131,000 |
| Perry, Mississippi | 1 | $ 180,000 | $ 180,000 | $ 121,000 |
| Rankin, Mississippi | 1 | $ 116,000 | $ 116,000 | $ 60,000 |
| Wayne, Mississippi | 1 | $ 178,000 | $ 178,000 | $ 71,000 |
| Cattaraugus, New York | 1 | $ 27,000 | $ 27,000 | $ 17,000 |
| Chautauqua, New York | 1 | $ 72,000 | $ 72,000 | $ 122,000 |
| Chemung, New York | 1 | $ 60,000 | $ 60,000 | $ 28,000 |
| Fulton, New York | 1 | $ 10,000 | $ 10,000 | $ 14,000 |
| Herkimer, New York | 1 | $ 80,000 | $ 80,000 | $ 98,000 |
| Jefferson, New York | 1 | $ 10,000 | $ 10,000 | $ 17,000 |
| Madison, New York | 1 | $ 10,000 | $ 10,000 | $ 46,000 |
| Ontario, New York | 1 | $ 10,000 | $ 10,000 | $ 42,000 |
| Orange, New York | 1 | $ 123,000 | $ 123,000 | $ 57,000 |
| Schenectady, New York | 1 | $ 118,000 | $ 118,000 | $ 39,000 |
| Tioga, New York | 1 | $ 111,000 | $ 111,000 | $ 43,000 |
| Berkeley, South Carolina | 1 | $ 221,000 | $ 221,000 | $ 64,000 |
| Calhoun, South Carolina | 1 | $ 25,000 | $ 25,000 | $ 70,000 |
| Chester, South Carolina | 1 | $ 5,000 | $ 5,000 | $ 42,000 |
| Chesterfield, South Carolina | 1 | $ 5,000 | $ 5,000 | $ 21,000 |
| Dillon, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 15,000 |
| Fairfield, South Carolina | 1 | $ 183,000 | $ 183,000 | $ 65,000 |
| Florence, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Greenwood, South Carolina | 1 | $ 114,000 | $ 114,000 | $ 43,000 |
| Hampton, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 20,000 |
| Lancaster, South Carolina | 1 | $ 10,000 | $ 10,000 | $ 17,000 |
| Marlboro, South Carolina | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Orangeburg, South Carolina | 1 | $ 92,000 | $ 92,000 | $ 32,000 |
| Pickens, South Carolina | 1 | $ 102,000 | $ 102,000 | $ 77,000 |
| Brazoria, Texas | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| Montgomery, Texas | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Refugio, Texas | 1 | $ 10,000 | $ 10,000 | $ 14,000 |
| Richmond City, Virginia | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Woodforest Bank, FSB in 2010
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 | 204 | $29,858,000 | $146,000 | $418,000 | $85,000 | $540,000 |
| Home Improvement | 141 | $3,589,000 | $25,000 | $250,000 | $47,000 | $450,000 |
| Home Purchase | 45 | $6,694,000 | $148,000 | $309,000 | $85,000 | $247,000 |
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 | 278 | $30,321,000 | $109,000 | $409,000 | $72,000 | $540,000 |
| Black or African American | 49 | $1,914,000 | $39,000 | $273,000 | $55,000 | $304,000 |
| Not Provided | 35 | $4,323,000 | $123,000 | $418,000 | $77,000 | $249,000 |
| Asian | 15 | $2,601,000 | $173,000 | $273,000 | $99,000 | $172,000 |
| Hispanic | 9 | $567,000 | $63,000 | $156,000 | $44,000 | $116,000 |
| American Indian or Alaskan Native | 2 | $167,000 | $83,000 | $162,000 | $93,000 | $154,000 |
| Not applicable | 2 | $248,000 | $124,000 | $127,000 | $74,000 | $106,000 |
| 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) | 358 | $36,466,000 | $101,000 | $418,000 | $73,000 | $540,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,484,000 | $116,000 | $249,000 | $52,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 2 | $191,000 | $95,000 | $109,000 | $42,000 | $48,000 |
| 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 | 241 | $37,103,000 | $153,000 | $418,000 | $91,000 | $540,000 |
| Application Denied By Financial Institution | 146 | $3,018,000 | $20,000 | $250,000 | $39,000 | $165,000 |
| Application Withdrawn By Applicant | 2 | $10,000 | $5,000 | $5,000 | $25,000 | $28,000 |
| Loan Originated | 1 | $10,000 | $10,000 | $10,000 | $63,000 | $63,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 132 | $2,773,000 | $21,000 | $250,000 | $39,000 | $165,000 |
| Collateral | 10 | $222,000 | $22,000 | $80,000 | $37,000 | $98,000 |
| Debt-To-Income Ratio | 3 | $18,000 | $6,000 | $10,000 | $25,000 | $46,000 |
| Other | 1 | $5,000 | $5,000 | $5,000 | $10,000 | $10,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Woodforest Bank, FSB's 2010 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 Woodforest Bank, FSB'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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