American State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
American State Bank 2009 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 | 2,686 |
| Total Mortgage Loan Application Amount | $284,999,000 |
| Average Mortgage Loan Application Amount | $91,666 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $1,611,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 1,054 | $ 120,839,000 | $ 114,000 | $ 95,000 |
| Midland County Texas | 223 | $ 33,839,000 | $ 151,000 | $ 103,000 |
| Hale County Texas | 176 | $ 13,218,000 | $ 75,000 | $ 55,000 |
| Taylor County Texas | 140 | $ 14,385,000 | $ 102,000 | $ 83,000 |
| Ector County Texas | 121 | $ 11,876,000 | $ 98,000 | $ 84,000 |
| Scurry County Texas | 67 | $ 4,907,000 | $ 73,000 | $ 82,000 |
| Hockley County Texas | 52 | $ 3,569,000 | $ 68,000 | $ 106,000 |
| Terry County Texas | 52 | $ 2,875,000 | $ 55,000 | $ 69,000 |
| Lamb County Texas | 50 | $ 2,705,000 | $ 54,000 | $ 72,000 |
| Howard County Texas | 41 | $ 2,895,000 | $ 70,000 | $ 53,000 |
| Eastland County Texas | 36 | $ 1,863,000 | $ 51,000 | $ 62,000 |
| Brown County Texas | 34 | $ 1,941,000 | $ 57,000 | $ 89,000 |
| Somervell County Texas | 16 | $ 1,966,000 | $ 122,000 | $ 96,000 |
| Floyd County Texas | 15 | $ 1,225,000 | $ 81,000 | $ 100,000 |
| Parker County Texas | 15 | $ 2,186,000 | $ 145,000 | $ 86,000 |
| Tarrant County Texas | 12 | $ 1,803,000 | $ 150,000 | $ 64,000 |
| Gaines County Texas | 11 | $ 1,245,000 | $ 113,000 | $ 105,000 |
| Comanche County Texas | 10 | $ 998,000 | $ 99,000 | $ 71,000 |
| Lincoln County New Mexico | 7 | $ 774,000 | $ 110,000 | $ 113,000 |
| Dallas County Texas | 7 | $ 2,049,000 | $ 292,000 | $ 203,000 |
| Garza County Texas | 7 | $ 1,454,000 | $ 207,000 | $ 162,000 |
| Lynn County Texas | 7 | $ 840,000 | $ 120,000 | $ 73,000 |
| Swisher County Texas | 7 | $ 227,000 | $ 32,000 | $ 46,000 |
| Crosby County Texas | 6 | $ 585,000 | $ 97,000 | $ 69,000 |
| Jones County Texas | 6 | $ 463,000 | $ 77,000 | $ 73,000 |
| Callahan County Texas | 5 | $ 830,000 | $ 166,000 | $ 157,000 |
| Denton County Texas | 5 | $ 644,000 | $ 128,000 | $ 78,000 |
| Mitchell County Texas | 5 | $ 286,000 | $ 57,000 | $ 114,000 |
| Palo Pinto County Texas | 5 | $ 712,000 | $ 142,000 | $ 158,000 |
| Maricopa County Arizona | 4 | $ 452,000 | $ 113,000 | $ 0 |
| Coleman County Texas | 4 | $ 844,000 | $ 211,000 | $ 686,000 |
| Collin County Texas | 4 | $ 752,000 | $ 188,000 | $ 152,000 |
| Erath County Texas | 4 | $ 739,000 | $ 184,000 | $ 63,000 |
| Llano County Texas | 4 | $ 1,019,000 | $ 254,000 | $ 164,000 |
| Travis County Texas | 4 | $ 768,000 | $ 192,000 | $ 138,000 |
| Bexar County Texas | 3 | $ 537,000 | $ 179,000 | $ 279,000 |
| Bosque County Texas | 3 | $ 580,000 | $ 193,000 | $ 71,000 |
| Brewster County Texas | 3 | $ 250,000 | $ 83,000 | $ 81,000 |
| Dawson County Texas | 3 | $ 265,000 | $ 88,000 | $ 471,000 |
| Hood County Texas | 3 | $ 369,000 | $ 123,000 | $ 116,000 |
| Motley County Texas | 3 | $ 119,000 | $ 39,000 | $ 58,000 |
| Nolan County Texas | 3 | $ 171,000 | $ 57,000 | $ 104,000 |
| Randall County Texas | 3 | $ 385,000 | $ 128,000 | $ 63,000 |
| Tom Green County Texas | 3 | $ 367,000 | $ 122,000 | $ 112,000 |
| San Mateo County California | 2 | $ 148,000 | $ 74,000 | $ 0 |
| Denver County Colorado | 2 | $ 936,000 | $ 468,000 | $ 468,000 |
| Eddy County New Mexico | 2 | $ 311,000 | $ 155,000 | $ 110,000 |
| Bailey County Texas | 2 | $ 108,000 | $ 54,000 | $ 75,000 |
| Crane County Texas | 2 | $ 145,000 | $ 72,000 | $ 24,000 |
| Dickens County Texas | 2 | $ 62,000 | $ 31,000 | $ 59,000 |
| Fannin County Texas | 2 | $ 461,000 | $ 230,000 | $ 151,000 |
| Hemphill County Texas | 2 | $ 248,000 | $ 124,000 | $ 263,000 |
| Hutchinson County Texas | 2 | $ 176,000 | $ 88,000 | $ 57,000 |
| Martin County Texas | 2 | $ 424,000 | $ 212,000 | $ 243,000 |
| McCulloch County Texas | 2 | $ 30,000 | $ 15,000 | $ 97,000 |
| McLennan County Texas | 2 | $ 301,000 | $ 150,000 | $ 98,000 |
| Potter County Texas | 2 | $ 480,000 | $ 240,000 | $ 160,000 |
| San Saba County Texas | 2 | $ 116,000 | $ 58,000 | $ 28,000 |
| Williamson County Texas | 2 | $ 273,000 | $ 136,000 | $ 54,000 |
| Graham County Arizona | 1 | $ 60,000 | $ 60,000 | $ 63,000 |
| Adams County Colorado | 1 | $ 240,000 | $ 240,000 | $ 74,000 |
| Mesa County Colorado | 1 | $ 190,000 | $ 190,000 | $ 77,000 |
| Lake County Indiana | 1 | $ 155,000 | $ 155,000 | $ 143,000 |
| McDonald County Missouri | 1 | $ 59,000 | $ 59,000 | $ 25,000 |
| Bernalillo County New Mexico | 1 | $ 2,500,000 | $ 2,500,000 | $ 785,000 |
| San Miguel County New Mexico | 1 | $ 170,000 | $ 170,000 | $ 458,000 |
| Nassau County New York | 1 | $ 250,000 | $ 250,000 | $ 124,000 |
| Jackson County Oklahoma | 1 | $ 200,000 | $ 200,000 | $ 45,000 |
| Tillman County Oklahoma | 1 | $ 67,000 | $ 67,000 | $ 96,000 |
| Andrews County Texas | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| Aransas County Texas | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Briscoe County Texas | 1 | $ 61,000 | $ 61,000 | $ 88,000 |
| Castro County Texas | 1 | $ 32,000 | $ 32,000 | $ 25,000 |
| Cochran County Texas | 1 | $ 77,000 | $ 77,000 | $ 61,000 |
| El Paso County Texas | 1 | $ 136,000 | $ 136,000 | $ 103,000 |
| Ellis County Texas | 1 | $ 136,000 | $ 136,000 | $ 74,000 |
| Fayette County Texas | 1 | $ 178,000 | $ 178,000 | $ 46,000 |
| Fisher County Texas | 1 | $ 43,000 | $ 43,000 | $ 18,000 |
| Gillespie County Texas | 1 | $ 476,000 | $ 476,000 | $ 143,000 |
| Grayson County Texas | 1 | $ 13,000 | $ 13,000 | $ 108,000 |
| Guadalupe County Texas | 1 | $ 192,000 | $ 192,000 | $ 106,000 |
| Harris County Texas | 1 | $ 135,000 | $ 135,000 | $ 59,000 |
| Hays County Texas | 1 | $ 232,000 | $ 232,000 | $ 81,000 |
| Hidalgo County Texas | 1 | $ 193,000 | $ 193,000 | $ 110,000 |
| Jack County Texas | 1 | $ 150,000 | $ 150,000 | $ 190,000 |
| Kaufman County Texas | 1 | $ 276,000 | $ 276,000 | $ 180,000 |
| Mason County Texas | 1 | $ 41,000 | $ 41,000 | $ 63,000 |
| Mills County Texas | 1 | $ 64,000 | $ 64,000 | $ 31,000 |
| Nueces County Texas | 1 | $ 258,000 | $ 258,000 | $ 158,000 |
| Pecos County Texas | 1 | $ 142,000 | $ 142,000 | $ 59,000 |
| Shackelford County Texas | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Stonewall County Texas | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for American State 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,691 | $179,255,000 | $106,000 | $840,000 | $76,000 | $1,556,000 |
| Refinancing | 705 | $95,626,000 | $135,000 | $2,500,000 | $109,000 | $1,304,000 |
| Home Improvement | 290 | $10,118,000 | $34,000 | $476,000 | $76,000 | $1,611,000 |
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 | 1,712 | $190,347,000 | $111,000 | $2,500,000 | $95,000 | $1,611,000 |
| Hispanic | 526 | $42,089,000 | $80,000 | $713,000 | $64,000 | $544,000 |
| Not Provided | 264 | $30,372,000 | $115,000 | $862,000 | $83,000 | $1,289,000 |
| Not applicable | 73 | $9,806,000 | $134,000 | $840,000 | $0 | $0 |
| Black or African American | 64 | $5,671,000 | $88,000 | $519,000 | $57,000 | $468,000 |
| Asian | 36 | $5,382,000 | $149,000 | $417,000 | $126,000 | $380,000 |
| American Indian or Alaskan Native | 7 | $663,000 | $94,000 | $146,000 | $48,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $669,000 | $167,000 | $352,000 | $157,000 | $275,000 |
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) | 1,634 | $174,348,000 | $106,000 | $2,500,000 | $102,000 | $1,611,000 |
| FHA-insured (Federal Housing Administration) | 981 | $102,125,000 | $104,000 | $280,000 | $57,000 | $1,556,000 |
| VA-guaranteed (Veterans Administration) | 71 | $8,526,000 | $120,000 | $286,000 | $60,000 | $339,000 |
| 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 | 1,821 | $215,841,000 | $118,000 | $2,500,000 | $97,000 | $1,556,000 |
| Preapproval Denied by Financial Institution | 380 | $32,815,000 | $86,000 | $298,000 | $43,000 | $240,000 |
| Application Denied By Financial Institution | 337 | $19,641,000 | $58,000 | $350,000 | $51,000 | $601,000 |
| Application Withdrawn By Applicant | 111 | $12,555,000 | $113,000 | $417,000 | $104,000 | $1,611,000 |
| Application Approved But Not Accepted | 37 | $4,147,000 | $112,000 | $255,000 | $131,000 | $1,304,000 |
| File Closed For Incompleteness | 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 |
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 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 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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with aggregated HMDA statistics today.