American State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
American State Bank 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | American State Bank 1116 Troup Hwy Arp, TX 75701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 324 |
| Total Mortgage Loan Application Amount | $321,080,000 |
| Average Mortgage Loan Application Amount | $600,000 |
| Highest Mortgage Loan Application Amount | $16,005,000 |
| Average Applicant Income | $205,800 |
| Highest Applicant Income | $4,727,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with American State Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing American State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down American State Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how American State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by American State Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at American State Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Smith County Texas | 49 | $ 23,175,000 | $ 472,000 | $ 356,000 |
| Lubbock County Texas | 43 | $ 24,845,000 | $ 577,000 | $ 306,000 |
| Montgomery County Texas | 32 | $ 34,220,000 | $ 1,069,000 | $ 325,000 |
| Harris County Texas | 20 | $ 24,210,000 | $ 1,210,000 | $ 495,000 |
| Nacogdoches County Texas | 13 | $ 3,955,000 | $ 304,000 | $ 323,000 |
| Randall County Texas | 13 | $ 12,585,000 | $ 968,000 | $ 191,000 |
| Angelina County Texas | 11 | $ 2,235,000 | $ 203,000 | $ 119,000 |
| Shelby County Texas | 11 | $ 1,255,000 | $ 114,000 | $ 71,000 |
| Tarrant County Texas | 9 | $ 11,875,000 | $ 1,319,000 | $ 158,000 |
| Collin County Texas | 7 | $ 14,045,000 | $ 2,006,000 | $ 411,000 |
| Potter County Texas | 7 | $ 9,375,000 | $ 1,339,000 | $ 55,000 |
| Travis County Texas | 6 | $ 5,100,000 | $ 850,000 | $ 518,000 |
| Henderson County Texas | 5 | $ 785,000 | $ 157,000 | $ 176,000 |
| Walton County Florida | 4 | $ 4,760,000 | $ 1,190,000 | $ 540,000 |
| Gregg County Texas | 4 | $ 14,710,000 | $ 3,677,000 | $ 2,508,000 |
| Dallas County Texas | 3 | $ 12,925,000 | $ 4,308,000 | $ 176,000 |
| Floyd County Texas | 3 | $ 205,000 | $ 68,000 | $ 0 |
| Galveston County Texas | 3 | $ 1,675,000 | $ 558,000 | $ 955,000 |
| Hale County Texas | 3 | $ 195,000 | $ 65,000 | $ 66,000 |
| Kerr County Texas | 3 | $ 1,225,000 | $ 408,000 | $ 272,000 |
| Tyler County Texas | 3 | $ 625,000 | $ 208,000 | $ 166,000 |
| Williamson County Texas | 3 | $ 1,505,000 | $ 501,000 | $ 147,000 |
| Jefferson County Colorado | 2 | $ 1,060,000 | $ 530,000 | $ 188,000 |
| Routt County Colorado | 2 | $ 8,930,000 | $ 4,465,000 | $ 2,400,000 |
| Tangipahoa County Louisiana | 2 | $ 3,150,000 | $ 1,575,000 | $ 0 |
| Anderson County Texas | 2 | $ 1,940,000 | $ 970,000 | $ 0 |
| Atascosa County Texas | 2 | $ 9,360,000 | $ 4,680,000 | $ 0 |
| Bexar County Texas | 2 | $ 460,000 | $ 230,000 | $ 26,000 |
| Calhoun County Texas | 2 | $ 180,000 | $ 90,000 | $ 401,000 |
| Fannin County Texas | 2 | $ 1,420,000 | $ 710,000 | $ 216,000 |
| Frio County Texas | 2 | $ 3,250,000 | $ 1,625,000 | $ 0 |
| Grimes County Texas | 2 | $ 840,000 | $ 420,000 | $ 189,000 |
| Hays County Texas | 2 | $ 2,150,000 | $ 1,075,000 | $ 393,000 |
| Kleberg County Texas | 2 | $ 3,610,000 | $ 1,805,000 | $ 0 |
| Lamb County Texas | 2 | $ 220,000 | $ 110,000 | $ 51,000 |
| Van Zandt County Texas | 2 | $ 660,000 | $ 330,000 | $ 151,000 |
| Walker County Texas | 2 | $ 2,560,000 | $ 1,280,000 | $ 296,000 |
| Wood County Texas | 2 | $ 1,650,000 | $ 825,000 | $ 82,000 |
| Los Angeles County California | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Orange County California | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| San Diego County California | 1 | $ 7,005,000 | $ 7,005,000 | $ 0 |
| El Paso County Colorado | 1 | $ 5,565,000 | $ 5,565,000 | $ 0 |
| Grand County Colorado | 1 | $ 3,825,000 | $ 3,825,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 655,000 | $ 655,000 | $ 245,000 |
| Pinellas County Florida | 1 | $ 475,000 | $ 475,000 | $ 179,000 |
| East Baton Rouge County Louisiana | 1 | $ 5,565,000 | $ 5,565,000 | $ 0 |
| Hancock County Mississippi | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Lorain County Ohio | 1 | $ 465,000 | $ 465,000 | $ 222,000 |
| Lexington County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Austin County Texas | 1 | $ 555,000 | $ 555,000 | $ 160,000 |
| Cass County Texas | 1 | $ 245,000 | $ 245,000 | $ 213,000 |
| Castro County Texas | 1 | $ 285,000 | $ 285,000 | $ 94,000 |
| Cherokee County Texas | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Coleman County Texas | 1 | $ 215,000 | $ 215,000 | $ 0 |
| El Paso County Texas | 1 | $ 16,005,000 | $ 16,005,000 | $ 0 |
| Ellis County Texas | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Erath County Texas | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Fort Bend County Texas | 1 | $ 605,000 | $ 605,000 | $ 203,000 |
| Grayson County Texas | 1 | $ 225,000 | $ 225,000 | $ 71,000 |
| Hood County Texas | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Hunt County Texas | 1 | $ 255,000 | $ 255,000 | $ 58,000 |
| Johnson County Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Kaufman County Texas | 1 | $ 6,265,000 | $ 6,265,000 | $ 0 |
| Kimble County Texas | 1 | $ 3,135,000 | $ 3,135,000 | $ 0 |
| Liberty County Texas | 1 | $ 205,000 | $ 205,000 | $ 212,000 |
| Maverick County Texas | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Moore County Texas | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Orange County Texas | 1 | $ 205,000 | $ 205,000 | $ 432,000 |
| Palo Pinto County Texas | 1 | $ 965,000 | $ 965,000 | $ 0 |
| Polk County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Swisher County Texas | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Upshur County Texas | 1 | $ 585,000 | $ 585,000 | $ 154,000 |
| Wichita County Texas | 1 | $ 9,255,000 | $ 9,255,000 | $ 0 |
| Wilson County Texas | 1 | $ 455,000 | $ 455,000 | $ 283,000 |
| Sheridan County Wyoming | 1 | $ 2,455,000 | $ 2,455,000 | $ 0 |
Mortgage Loan Application Detail Totals for American State Bank in 2022
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 | 199 | $203,175,000 | $1,020,000 | $9,965,000 | $379,000 | $4,727,000 |
| Cash-out Refinancing | 77 | $101,205,000 | $1,314,000 | $16,005,000 | $227,000 | $858,000 |
| Refinancing | 37 | $15,285,000 | $413,000 | $2,825,000 | $170,000 | $628,000 |
| Other Purpose | 6 | $890,000 | $148,000 | $255,000 | $74,000 | $93,000 |
| Home Improvement | 5 | $525,000 | $105,000 | $185,000 | $179,000 | $401,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 147 | $80,035,000 | $544,000 | $4,005,000 | $333,000 | $4,727,000 |
| Not applicable | 127 | $216,805,000 | $1,707,000 | $16,005,000 | $0 | $0 |
| Not Provided | 21 | $9,475,000 | $451,000 | $1,425,000 | $197,000 | $478,000 |
| Hispanic | 16 | $5,710,000 | $356,000 | $1,855,000 | $323,000 | $1,317,000 |
| Black or African American | 9 | $3,875,000 | $430,000 | $1,035,000 | $245,000 | $565,000 |
| Asian | 1 | $405,000 | $405,000 | $405,000 | $325,000 | $325,000 |
| 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) | 323 | $320,865,000 | $993,000 | $16,005,000 | $321,000 | $4,727,000 |
| VA-guaranteed (Veterans Administration) | 1 | $215,000 | $215,000 | $215,000 | $57,000 | $57,000 |
| 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 |
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 | 261 | $290,125,000 | $1,111,000 | $16,005,000 | $363,000 | $4,727,000 |
| Application Withdrawn By Applicant | 32 | $12,650,000 | $395,000 | $2,005,000 | $250,000 | $1,243,000 |
| Application Denied By Financial Institution | 21 | $9,815,000 | $467,000 | $3,285,000 | $134,000 | $595,000 |
| Application Approved But Not Accepted | 6 | $6,830,000 | $1,138,000 | $2,825,000 | $472,000 | $1,728,000 |
| File Closed For Incompleteness | 4 | $1,660,000 | $415,000 | $505,000 | $212,000 | $364,000 |
| 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 | 324 | $321,080,000 | $990,000 | $16,005,000 | $319,000 | $4,727,000 |
| 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 |
| Not applicable | 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 American State Bank's 2022 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 American State 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.