Verabank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Verabank, National Association 2021 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 | 1,448 |
| Total Mortgage Loan Application Amount | $489,260,000 |
| Average Mortgage Loan Application Amount | $232,666 |
| Highest Mortgage Loan Application Amount | $8,065,000 |
| Average Applicant Income | $103,666 |
| Highest Applicant Income | $2,906,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 190 | $ 44,180,000 | $ 232,000 | $ 141,000 |
| Rusk County Texas | 177 | $ 31,915,000 | $ 180,000 | $ 117,000 |
| Henderson County Texas | 111 | $ 19,455,000 | $ 175,000 | $ 105,000 |
| Travis County Texas | 104 | $ 98,430,000 | $ 946,000 | $ 364,000 |
| Gregg County Texas | 94 | $ 17,630,000 | $ 187,000 | $ 98,000 |
| Harrison County Texas | 74 | $ 16,910,000 | $ 228,000 | $ 123,000 |
| Navarro County Texas | 64 | $ 11,820,000 | $ 184,000 | $ 112,000 |
| Anderson County Texas | 56 | $ 8,010,000 | $ 143,000 | $ 113,000 |
| Brazos County Texas | 44 | $ 17,880,000 | $ 406,000 | $ 209,000 |
| Dallas County Texas | 41 | $ 27,585,000 | $ 672,000 | $ 250,000 |
| Harris County Texas | 41 | $ 27,105,000 | $ 661,000 | $ 130,000 |
| Angelina County Texas | 39 | $ 6,615,000 | $ 169,000 | $ 77,000 |
| Tarrant County Texas | 33 | $ 20,175,000 | $ 611,000 | $ 197,000 |
| Williamson County Texas | 30 | $ 17,560,000 | $ 585,000 | $ 115,000 |
| Bell County Texas | 29 | $ 5,485,000 | $ 189,000 | $ 169,000 |
| Denton County Texas | 26 | $ 15,610,000 | $ 600,000 | $ 529,000 |
| Panola County Texas | 26 | $ 4,740,000 | $ 182,000 | $ 100,000 |
| Titus County Texas | 23 | $ 2,495,000 | $ 108,000 | $ 81,000 |
| Limestone County Texas | 21 | $ 4,255,000 | $ 202,000 | $ 114,000 |
| Cherokee County Texas | 19 | $ 3,575,000 | $ 188,000 | $ 94,000 |
| Collin County Texas | 19 | $ 11,935,000 | $ 628,000 | $ 198,000 |
| Montgomery County Texas | 17 | $ 11,365,000 | $ 668,000 | $ 0 |
| Walker County Texas | 17 | $ 3,545,000 | $ 208,000 | $ 173,000 |
| McLennan County Texas | 14 | $ 12,040,000 | $ 860,000 | $ 444,000 |
| Upshur County Texas | 13 | $ 3,495,000 | $ 268,000 | $ 85,000 |
| Marion County Texas | 11 | $ 955,000 | $ 86,000 | $ 76,000 |
| Bexar County Texas | 10 | $ 4,510,000 | $ 451,000 | $ 149,000 |
| Van Zandt County Texas | 7 | $ 1,685,000 | $ 240,000 | $ 107,000 |
| Oklahoma County Oklahoma | 5 | $ 2,875,000 | $ 575,000 | $ 0 |
| Freestone County Texas | 5 | $ 1,095,000 | $ 219,000 | $ 129,000 |
| Cass County Texas | 4 | $ 450,000 | $ 112,000 | $ 78,000 |
| Parker County Texas | 4 | $ 2,190,000 | $ 547,000 | $ 0 |
| Tulsa County Oklahoma | 3 | $ 1,795,000 | $ 598,000 | $ 0 |
| Burnet County Texas | 3 | $ 1,195,000 | $ 398,000 | $ 282,000 |
| Camp County Texas | 3 | $ 985,000 | $ 328,000 | $ 281,000 |
| Ellis County Texas | 3 | $ 1,285,000 | $ 428,000 | $ 150,000 |
| Hays County Texas | 3 | $ 1,045,000 | $ 348,000 | $ 68,000 |
| Hopkins County Texas | 3 | $ 335,000 | $ 111,000 | $ 0 |
| Llano County Texas | 3 | $ 2,415,000 | $ 805,000 | $ 348,000 |
| Nacogdoches County Texas | 3 | $ 615,000 | $ 205,000 | $ 0 |
| Rockwall County Texas | 3 | $ 705,000 | $ 235,000 | $ 197,000 |
| Caddo County Louisiana | 2 | $ 320,000 | $ 160,000 | $ 922,000 |
| Cleveland County Oklahoma | 2 | $ 1,060,000 | $ 530,000 | $ 0 |
| Coryell County Texas | 2 | $ 520,000 | $ 260,000 | $ 190,000 |
| Grimes County Texas | 2 | $ 800,000 | $ 400,000 | $ 160,000 |
| Houston County Texas | 2 | $ 200,000 | $ 100,000 | $ 69,000 |
| Johnson County Texas | 2 | $ 780,000 | $ 390,000 | $ 0 |
| Kaufman County Texas | 2 | $ 280,000 | $ 140,000 | $ 80,000 |
| Lubbock County Texas | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Polk County Texas | 2 | $ 380,000 | $ 190,000 | $ 62,000 |
| Washington County Texas | 2 | $ 1,020,000 | $ 510,000 | $ 255,000 |
| Summit County Colorado | 1 | $ 435,000 | $ 435,000 | $ 2,906,000 |
| Escambia County Florida | 1 | $ 585,000 | $ 585,000 | $ 575,000 |
| Manatee County Florida | 1 | $ 295,000 | $ 295,000 | $ 175,000 |
| Walton County Florida | 1 | $ 1,575,000 | $ 1,575,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Park County Montana | 1 | $ 605,000 | $ 605,000 | $ 578,000 |
| Lincoln County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 273,000 |
| Creek County Oklahoma | 1 | $ 965,000 | $ 965,000 | $ 0 |
| Le Flore County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| McClain County Oklahoma | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Pittsburg County Oklahoma | 1 | $ 475,000 | $ 475,000 | $ 146,000 |
| Pushmataha County Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 177,000 |
| Aransas County Texas | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Bastrop County Texas | 1 | $ 255,000 | $ 255,000 | $ 126,000 |
| Bowie County Texas | 1 | $ 605,000 | $ 605,000 | $ 170,000 |
| Burleson County Texas | 1 | $ 215,000 | $ 215,000 | $ 112,000 |
| Caldwell County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Calhoun County Texas | 1 | $ 795,000 | $ 795,000 | $ 558,000 |
| Cooke County Texas | 1 | $ 555,000 | $ 555,000 | $ 0 |
| El Paso County Texas | 1 | $ 1,205,000 | $ 1,205,000 | $ 1,921,000 |
| Erath County Texas | 1 | $ 145,000 | $ 145,000 | $ 245,000 |
| Fort Bend County Texas | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Franklin County Texas | 1 | $ 515,000 | $ 515,000 | $ 295,000 |
| Hunt County Texas | 1 | $ 645,000 | $ 645,000 | $ 146,000 |
| Kendall County Texas | 1 | $ 1,695,000 | $ 1,695,000 | $ 249,000 |
| Lavaca County Texas | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Milam County Texas | 1 | $ 505,000 | $ 505,000 | $ 479,000 |
| Morris County Texas | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Nueces County Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Red River County Texas | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Shelby County Texas | 1 | $ 45,000 | $ 45,000 | $ 81,000 |
| Trinity County Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Wood County Texas | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Verabank, National Association in 2021
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 | 764 | $285,670,000 | $373,000 | $8,065,000 | $155,000 | $2,906,000 |
| Refinancing | 470 | $164,160,000 | $349,000 | $2,745,000 | $156,000 | $2,906,000 |
| Cash-out Refinancing | 89 | $24,615,000 | $276,000 | $1,615,000 | $112,000 | $528,000 |
| Home Improvement | 85 | $8,175,000 | $96,000 | $895,000 | $96,000 | $413,000 |
| Other Purpose | 38 | $6,370,000 | $167,000 | $1,505,000 | $103,000 | $260,000 |
| Not Applicable | 2 | $270,000 | $135,000 | $165,000 | $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 | 662 | $185,200,000 | $279,000 | $2,745,000 | $164,000 | $2,906,000 |
| Not applicable | 365 | $221,405,000 | $606,000 | $8,065,000 | $0 | $0 |
| Not Provided | 221 | $46,635,000 | $211,000 | $2,755,000 | $127,000 | $1,921,000 |
| Hispanic | 142 | $24,850,000 | $175,000 | $2,205,000 | $87,000 | $1,200,000 |
| Black or African American | 37 | $6,645,000 | $179,000 | $805,000 | $110,000 | $558,000 |
| Asian | 14 | $3,210,000 | $229,000 | $445,000 | $270,000 | $550,000 |
| American Indian or Alaskan Native | 5 | $1,025,000 | $205,000 | $385,000 | $241,000 | $921,000 |
| 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) | 1,423 | $484,185,000 | $340,000 | $8,065,000 | $148,000 | $2,906,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,230,000 | $159,000 | $355,000 | $92,000 | $441,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,660,000 | $266,000 | $445,000 | $110,000 | $165,000 |
| FHA-insured (Federal Housing Administration) | 1 | $185,000 | $185,000 | $185,000 | $84,000 | $84,000 |
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 | 826 | $259,110,000 | $313,000 | $8,065,000 | $162,000 | $2,906,000 |
| Loan Purchased By The Institution | 214 | $152,740,000 | $713,000 | $3,585,000 | $0 | $0 |
| Application Denied By Financial Institution | 196 | $29,150,000 | $148,000 | $1,505,000 | $82,000 | $441,000 |
| Application Withdrawn By Applicant | 182 | $42,450,000 | $233,000 | $2,505,000 | $145,000 | $1,847,000 |
| File Closed For Incompleteness | 19 | $4,025,000 | $211,000 | $695,000 | $172,000 | $608,000 |
| Application Approved But Not Accepted | 11 | $1,785,000 | $162,000 | $515,000 | $95,000 | $164,000 |
| 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 | 1,252 | $460,110,000 | $367,000 | $8,065,000 | $158,000 | $2,906,000 |
| Credit History | 99 | $11,875,000 | $119,000 | $1,505,000 | $91,000 | $383,000 |
| Debt-To-Income Ratio | 64 | $11,660,000 | $182,000 | $645,000 | $58,000 | $188,000 |
| Collateral | 20 | $3,780,000 | $189,000 | $435,000 | $96,000 | $247,000 |
| Other | 6 | $840,000 | $140,000 | $205,000 | $133,000 | $249,000 |
| Unverifiable Information | 5 | $725,000 | $145,000 | $265,000 | $145,000 | $441,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $112,000 | $112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $133,000 | $133,000 |
| 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 2021 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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