Verabank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Verabank, National Association 2019 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 | Verabank, National Association P.O. Box 1009 Henderson, TX 75653 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 981 |
| Total Mortgage Loan Application Amount | $179,725,000 |
| Average Mortgage Loan Application Amount | $235,500 |
| Highest Mortgage Loan Application Amount | $2,245,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $1,459,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Verabank, National Association. 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 Verabank, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Verabank, National Association'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 Verabank, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Verabank, National Association, 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 Verabank, National Association's mortgage activity for 2019.
| 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 | 140 | $ 24,380,000 | $ 174,000 | $ 133,000 |
| Rusk County Texas | 136 | $ 19,320,000 | $ 142,000 | $ 89,000 |
| Gregg County Texas | 94 | $ 13,690,000 | $ 145,000 | $ 88,000 |
| Harrison County Texas | 87 | $ 11,835,000 | $ 136,000 | $ 102,000 |
| Henderson County Texas | 69 | $ 9,175,000 | $ 132,000 | $ 91,000 |
| Anderson County Texas | 55 | $ 8,165,000 | $ 148,000 | $ 82,000 |
| Navarro County Texas | 50 | $ 6,950,000 | $ 139,000 | $ 98,000 |
| Dallas County Texas | 38 | $ 22,670,000 | $ 596,000 | $ 258,000 |
| Angelina County Texas | 34 | $ 4,200,000 | $ 123,000 | $ 74,000 |
| Bell County Texas | 34 | $ 6,750,000 | $ 198,000 | $ 136,000 |
| Titus County Texas | 26 | $ 2,440,000 | $ 93,000 | $ 65,000 |
| Williamson County Texas | 19 | $ 4,825,000 | $ 253,000 | $ 142,000 |
| Brazos County Texas | 17 | $ 3,835,000 | $ 225,000 | $ 141,000 |
| Travis County Texas | 16 | $ 4,380,000 | $ 273,000 | $ 208,000 |
| Walker County Texas | 16 | $ 2,390,000 | $ 149,000 | $ 93,000 |
| Cherokee County Texas | 12 | $ 2,350,000 | $ 195,000 | $ 119,000 |
| Limestone County Texas | 11 | $ 1,155,000 | $ 105,000 | $ 115,000 |
| Collin County Texas | 9 | $ 4,205,000 | $ 467,000 | $ 229,000 |
| Upshur County Texas | 9 | $ 1,455,000 | $ 161,000 | $ 98,000 |
| Bexar County Texas | 8 | $ 3,300,000 | $ 412,000 | $ 126,000 |
| Marion County Texas | 8 | $ 720,000 | $ 90,000 | $ 55,000 |
| Panola County Texas | 8 | $ 1,060,000 | $ 132,000 | $ 95,000 |
| Van Zandt County Texas | 8 | $ 1,030,000 | $ 128,000 | $ 77,000 |
| Harris County Texas | 7 | $ 1,765,000 | $ 252,000 | $ 194,000 |
| Montgomery County Texas | 6 | $ 2,200,000 | $ 366,000 | $ 129,000 |
| Camp County Texas | 4 | $ 880,000 | $ 220,000 | $ 188,000 |
| Freestone County Texas | 4 | $ 340,000 | $ 85,000 | $ 42,000 |
| Tarrant County Texas | 4 | $ 1,090,000 | $ 272,000 | $ 169,000 |
| Coryell County Texas | 3 | $ 135,000 | $ 45,000 | $ 156,000 |
| Franklin County Texas | 3 | $ 185,000 | $ 61,000 | $ 70,000 |
| Lampasas County Texas | 3 | $ 265,000 | $ 88,000 | $ 95,000 |
| Denton County Texas | 2 | $ 1,170,000 | $ 585,000 | $ 266,000 |
| Llano County Texas | 2 | $ 370,000 | $ 185,000 | $ 59,000 |
| Lubbock County Texas | 2 | $ 410,000 | $ 205,000 | $ 96,000 |
| Midland County Texas | 2 | $ 630,000 | $ 315,000 | $ 125,000 |
| Nacogdoches County Texas | 2 | $ 390,000 | $ 195,000 | $ 74,000 |
| Trinity County Texas | 2 | $ 230,000 | $ 115,000 | $ 81,000 |
| Archuleta County Colorado | 1 | $ 585,000 | $ 585,000 | $ 250,000 |
| Gunnison County Colorado | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Caddo County Louisiana | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Gallatin County Montana | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Andrews County Texas | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Blanco County Texas | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Burnet County Texas | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Cass County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Childress County Texas | 1 | $ 815,000 | $ 815,000 | $ 0 |
| Ellis County Texas | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Fannin County Texas | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Fort Bend County Texas | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Gray County Texas | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Hays County Texas | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Hidalgo County Texas | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Hood County Texas | 1 | $ 295,000 | $ 295,000 | $ 109,000 |
| Houston County Texas | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| Howard County Texas | 1 | $ 185,000 | $ 185,000 | $ 250,000 |
| Kaufman County Texas | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Kleberg County Texas | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Leon County Texas | 1 | $ 115,000 | $ 115,000 | $ 96,000 |
| Morris County Texas | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Nueces County Texas | 1 | $ 115,000 | $ 115,000 | $ 128,000 |
| Parker County Texas | 1 | $ 315,000 | $ 315,000 | $ 177,000 |
| Rockwall County Texas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| San Jacinto County Texas | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Tom Green County Texas | 1 | $ 145,000 | $ 145,000 | $ 35,000 |
| Wood County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Sanpete County Utah | 1 | $ 285,000 | $ 285,000 | $ 204,000 |
| Teton County Wyoming | 1 | $ 845,000 | $ 845,000 | $ 0 |
Mortgage Loan Application Detail Totals for Verabank, National Association in 2019
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 | 572 | $114,060,000 | $199,000 | $2,245,000 | $114,000 | $1,459,000 |
| Refinancing | 225 | $34,505,000 | $153,000 | $1,025,000 | $101,000 | $543,000 |
| Home Improvement | 94 | $6,960,000 | $74,000 | $815,000 | $79,000 | $345,000 |
| Other Purpose | 54 | $4,580,000 | $84,000 | $335,000 | $83,000 | $386,000 |
| Not Applicable | 25 | $17,285,000 | $691,000 | $2,225,000 | $0 | $0 |
| Cash-out Refinancing | 11 | $2,335,000 | $212,000 | $305,000 | $121,000 | $258,000 |
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 | 531 | $93,415,000 | $175,000 | $1,035,000 | $121,000 | $935,000 |
| Hispanic | 200 | $19,070,000 | $95,000 | $655,000 | $62,000 | $380,000 |
| Not applicable | 112 | $46,000,000 | $410,000 | $2,245,000 | $0 | $0 |
| Not Provided | 102 | $14,250,000 | $139,000 | $905,000 | $90,000 | $547,000 |
| Black or African American | 27 | $4,725,000 | $175,000 | $785,000 | $134,000 | $1,459,000 |
| Asian | 6 | $1,500,000 | $250,000 | $655,000 | $211,000 | $800,000 |
| American Indian or Alaskan Native | 2 | $390,000 | $195,000 | $315,000 | $88,000 | $139,000 |
| 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) | 943 | $173,515,000 | $184,000 | $2,245,000 | $107,000 | $1,459,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,995,000 | $142,000 | $265,000 | $70,000 | $147,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,785,000 | $162,000 | $315,000 | $64,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,430,000 | $238,000 | $375,000 | $95,000 | $293,000 |
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 | 582 | $104,380,000 | $179,000 | $2,245,000 | $122,000 | $1,459,000 |
| Application Denied By Financial Institution | 187 | $20,675,000 | $110,000 | $905,000 | $59,000 | $359,000 |
| Application Withdrawn By Applicant | 144 | $23,970,000 | $166,000 | $1,025,000 | $113,000 | $900,000 |
| Loan Purchased By The Institution | 46 | $28,380,000 | $616,000 | $2,225,000 | $0 | $0 |
| File Closed For Incompleteness | 13 | $1,185,000 | $91,000 | $195,000 | $60,000 | $104,000 |
| Application Approved But Not Accepted | 9 | $1,135,000 | $126,000 | $245,000 | $59,000 | $95,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 794 | $159,050,000 | $200,000 | $2,245,000 | $119,000 | $1,459,000 |
| Debt-To-Income Ratio | 75 | $10,515,000 | $140,000 | $905,000 | $49,000 | $266,000 |
| Credit History | 73 | $6,005,000 | $82,000 | $545,000 | $63,000 | $359,000 |
| Collateral | 19 | $1,855,000 | $97,000 | $265,000 | $57,000 | $133,000 |
| Other | 11 | $1,205,000 | $109,000 | $275,000 | $85,000 | $258,000 |
| Unverifiable Information | 4 | $520,000 | $130,000 | $235,000 | $104,000 | $192,000 |
| Employment History | 3 | $145,000 | $48,000 | $75,000 | $27,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $430,000 | $215,000 | $265,000 | $63,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Verabank, National Association's 2019 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 Verabank, National Association'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.