American State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
American State Bank 2006 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 1401 Avenue Q Lubbock, TX 79401 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,162 |
| Total Mortgage Loan Application Amount | $190,250,000 |
| Average Mortgage Loan Application Amount | $75,666 |
| Highest Mortgage Loan Application Amount | $4,187,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $5,539,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lubbock County Texas | 851 | $ 83,362,000 | $ 97,000 | $ 91,000 |
| Hale County Texas | 183 | $ 11,306,000 | $ 61,000 | $ 49,000 |
| Midland County Texas | 166 | $ 18,016,000 | $ 108,000 | $ 113,000 |
| Taylor County Texas | 121 | $ 8,993,000 | $ 74,000 | $ 75,000 |
| Ector County Texas | 74 | $ 7,168,000 | $ 96,000 | $ 224,000 |
| Scurry County Texas | 71 | $ 3,528,000 | $ 49,000 | $ 91,000 |
| Hockley County Texas | 43 | $ 2,766,000 | $ 64,000 | $ 59,000 |
| Brown County Texas | 40 | $ 1,375,000 | $ 34,000 | $ 53,000 |
| Lamb County Texas | 40 | $ 5,576,000 | $ 139,000 | $ 69,000 |
| Terry County Texas | 30 | $ 855,000 | $ 28,000 | $ 60,000 |
| Eastland County Texas | 29 | $ 1,223,000 | $ 42,000 | $ 70,000 |
| Howard County Texas | 25 | $ 1,004,000 | $ 40,000 | $ 85,000 |
| Parker County Texas | 21 | $ 2,876,000 | $ 136,000 | $ 82,000 |
| Floyd County Texas | 17 | $ 996,000 | $ 58,000 | $ 57,000 |
| Comanche County Texas | 16 | $ 763,000 | $ 47,000 | $ 59,000 |
| Tarrant County Texas | 9 | $ 1,120,000 | $ 124,000 | $ 94,000 |
| Dallas County Texas | 8 | $ 957,000 | $ 119,000 | $ 105,000 |
| Jones County Texas | 7 | $ 322,000 | $ 46,000 | $ 52,000 |
| Lincoln County New Mexico | 6 | $ 409,000 | $ 68,000 | $ 105,000 |
| Callahan County Texas | 6 | $ 389,000 | $ 64,000 | $ 86,000 |
| Dawson County Texas | 6 | $ 235,000 | $ 39,000 | $ 36,000 |
| Denton County Texas | 6 | $ 612,000 | $ 102,000 | $ 60,000 |
| Garza County Texas | 6 | $ 464,000 | $ 77,000 | $ 136,000 |
| Montgomery County Texas | 6 | $ 702,000 | $ 117,000 | $ 119,000 |
| Crosby County Texas | 5 | $ 281,000 | $ 56,000 | $ 35,000 |
| Gaines County Texas | 5 | $ 457,000 | $ 91,000 | $ 57,000 |
| Palo Pinto County Texas | 5 | $ 252,000 | $ 50,000 | $ 111,000 |
| Yoakum County Texas | 5 | $ 465,000 | $ 93,000 | $ 51,000 |
| Bailey County Texas | 4 | $ 169,000 | $ 42,000 | $ 116,000 |
| Cochran County Texas | 4 | $ 276,000 | $ 69,000 | $ 47,000 |
| Hutchinson County Texas | 4 | $ 229,000 | $ 57,000 | $ 40,000 |
| Mitchell County Texas | 4 | $ 212,000 | $ 53,000 | $ 74,000 |
| Smith County Texas | 4 | $ 403,000 | $ 100,000 | $ 68,000 |
| Swisher County Texas | 4 | $ 136,000 | $ 34,000 | $ 26,000 |
| Curry County New Mexico | 3 | $ 211,000 | $ 70,000 | $ 93,000 |
| Briscoe County Texas | 3 | $ 135,000 | $ 45,000 | $ 41,000 |
| Castro County Texas | 3 | $ 31,000 | $ 10,000 | $ 29,000 |
| Childress County Texas | 3 | $ 169,000 | $ 56,000 | $ 30,000 |
| Fisher County Texas | 3 | $ 95,000 | $ 31,000 | $ 75,000 |
| Lynn County Texas | 3 | $ 263,000 | $ 87,000 | $ 60,000 |
| Martin County Texas | 3 | $ 313,000 | $ 104,000 | $ 33,000 |
| Randall County Texas | 3 | $ 184,000 | $ 61,000 | $ 80,000 |
| Tom Green County Texas | 3 | $ 228,000 | $ 76,000 | $ 197,000 |
| Denver County Colorado | 2 | $ 961,000 | $ 480,000 | $ 500,000 |
| La Plata County Colorado | 2 | $ 431,000 | $ 215,000 | $ 229,000 |
| Bossier County Louisiana | 2 | $ 253,000 | $ 126,000 | $ 95,000 |
| Eddy County New Mexico | 2 | $ 125,000 | $ 62,000 | $ 48,000 |
| San Miguel County New Mexico | 2 | $ 180,000 | $ 90,000 | $ 553,000 |
| Santa Fe County New Mexico | 2 | $ 416,000 | $ 208,000 | $ 568,000 |
| Pitt County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 99,000 |
| York County Pennsylvania | 2 | $ 340,000 | $ 170,000 | $ 160,000 |
| Bexar County Texas | 2 | $ 123,000 | $ 61,000 | $ 39,000 |
| Brazos County Texas | 2 | $ 211,000 | $ 105,000 | $ 251,000 |
| Collin County Texas | 2 | $ 547,000 | $ 273,000 | $ 230,000 |
| Dickens County Texas | 2 | $ 131,000 | $ 65,000 | $ 150,000 |
| El Paso County Texas | 2 | $ 163,000 | $ 81,000 | $ 108,000 |
| Henderson County Texas | 2 | $ 157,000 | $ 78,000 | $ 0 |
| Kent County Texas | 2 | $ 310,000 | $ 155,000 | $ 600,000 |
| Shackelford County Texas | 2 | $ 95,000 | $ 47,000 | $ 42,000 |
| Washington County Texas | 2 | $ 291,000 | $ 145,000 | $ 120,000 |
| Pinal County Arizona | 1 | $ 400,000 | $ 400,000 | $ 240,000 |
| San Diego County California | 1 | $ 118,000 | $ 118,000 | $ 305,000 |
| Jefferson County Kentucky | 1 | $ 147,000 | $ 147,000 | $ 81,000 |
| Boone County Missouri | 1 | $ 119,000 | $ 119,000 | $ 53,000 |
| Bernalillo County New Mexico | 1 | $ 111,000 | $ 111,000 | $ 170,000 |
| Colfax County New Mexico | 1 | $ 363,000 | $ 363,000 | $ 209,000 |
| Durham County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Lorain County Ohio | 1 | $ 276,000 | $ 276,000 | $ 350,000 |
| Texas County Oklahoma | 1 | $ 40,000 | $ 40,000 | $ 97,000 |
| Washington County Pennsylvania | 1 | $ 196,000 | $ 196,000 | $ 70,000 |
| Austin County Texas | 1 | $ 134,000 | $ 134,000 | $ 71,000 |
| Baylor County Texas | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Bowie County Texas | 1 | $ 38,000 | $ 38,000 | $ 50,000 |
| Cooke County Texas | 1 | $ 144,000 | $ 144,000 | $ 134,000 |
| Deaf Smith County Texas | 1 | $ 98,000 | $ 98,000 | $ 187,000 |
| Erath County Texas | 1 | $ 36,000 | $ 36,000 | $ 139,000 |
| Gillespie County Texas | 1 | $ 524,000 | $ 524,000 | $ 316,000 |
| Harris County Texas | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Hays County Texas | 1 | $ 12,000 | $ 12,000 | $ 29,000 |
| Jack County Texas | 1 | $ 125,000 | $ 125,000 | $ 59,000 |
| Knox County Texas | 1 | $ 19,000 | $ 19,000 | $ 95,000 |
| Mason County Texas | 1 | $ 50,000 | $ 50,000 | $ 72,000 |
| Moore County Texas | 1 | $ 87,000 | $ 87,000 | $ 35,000 |
| Motley County Texas | 1 | $ 20,000 | $ 20,000 | $ 44,000 |
| Parmer County Texas | 1 | $ 112,000 | $ 112,000 | $ 98,000 |
| Somervell County Texas | 1 | $ 152,000 | $ 152,000 | $ 64,000 |
| Stonewall County Texas | 1 | $ 28,000 | $ 28,000 | $ 31,000 |
| Titus County Texas | 1 | $ 98,000 | $ 98,000 | $ 39,000 |
| Travis County Texas | 1 | $ 98,000 | $ 98,000 | $ 148,000 |
| Van Zandt County Texas | 1 | $ 71,000 | $ 71,000 | $ 34,000 |
| Ward County Texas | 1 | $ 121,000 | $ 121,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for American State Bank in 2006
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 | 1,642 | $149,434,000 | $91,000 | $920,000 | $85,000 | $5,539,000 |
| Refinancing | 330 | $35,014,000 | $106,000 | $4,187,000 | $96,000 | $848,000 |
| Home Improvement | 190 | $5,802,000 | $30,000 | $750,000 | $74,000 | $432,000 |
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 | 1,582 | $142,658,000 | $90,000 | $1,200,000 | $89,000 | $900,000 |
| Hispanic | 442 | $29,539,000 | $66,000 | $920,000 | $55,000 | $517,000 |
| Not applicable | 44 | $7,951,000 | $180,000 | $4,187,000 | $335,000 | $5,539,000 |
| Black or African American | 32 | $2,282,000 | $71,000 | $165,000 | $36,000 | $80,000 |
| Not Provided | 29 | $3,238,000 | $111,000 | $397,000 | $69,000 | $250,000 |
| Asian | 20 | $2,096,000 | $104,000 | $406,000 | $76,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,972,000 | $246,000 | $610,000 | $158,000 | $439,000 |
| American Indian or Alaskan Native | 5 | $514,000 | $102,000 | $173,000 | $53,000 | $90,000 |
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) | 1,684 | $148,902,000 | $88,000 | $4,187,000 | $97,000 | $5,539,000 |
| FHA-insured (Federal Housing Administration) | 440 | $37,828,000 | $85,000 | $186,000 | $47,000 | $400,000 |
| VA-guaranteed (Veterans Administration) | 38 | $3,520,000 | $92,000 | $257,000 | $48,000 | $139,000 |
| 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 Originated | 1,703 | $151,574,000 | $89,000 | $1,200,000 | $95,000 | $5,539,000 |
| Preapproval Denied by Financial Institution | 239 | $21,798,000 | $91,000 | $610,000 | $45,000 | $439,000 |
| Application Denied By Financial Institution | 149 | $10,860,000 | $72,000 | $4,187,000 | $47,000 | $360,000 |
| Application Approved But Not Accepted | 47 | $4,623,000 | $98,000 | $363,000 | $89,000 | $350,000 |
| Application Withdrawn By Applicant | 21 | $1,075,000 | $51,000 | $250,000 | $83,000 | $259,000 |
| File Closed For Incompleteness | 3 | $320,000 | $106,000 | $182,000 | $20,000 | $39,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 American State Bank's 2006 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.
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