Commercial Bank Of Texas, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Commercial Bank Of Texas, National Association 2023 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 | Commercial Bank Of Texas, National Association 215 E Main St Nacogdoches, TX 75961 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 |
| Total Number of Mortgage Applications | 602 |
| Total Mortgage Loan Application Amount | $155,590,000 |
| Average Mortgage Loan Application Amount | $208,400 |
| Highest Mortgage Loan Application Amount | $2,455,000 |
| Average Applicant Income | $157,000 |
| Highest Applicant Income | $3,780,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Commercial Bank Of Texas, 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 Commercial Bank Of Texas, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Commercial Bank Of Texas, 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 Commercial Bank Of Texas, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Commercial Bank Of Texas, 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 Commercial Bank Of Texas, National Association's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Angelina County Texas | 193 | $ 38,165,000 | $ 197,000 | $ 131,000 |
| Nacogdoches County Texas | 130 | $ 30,430,000 | $ 234,000 | $ 125,000 |
| Anderson County Texas | 53 | $ 9,365,000 | $ 176,000 | $ 108,000 |
| Collin County Texas | 20 | $ 15,320,000 | $ 766,000 | $ 667,000 |
| Johnson County Texas | 13 | $ 4,735,000 | $ 364,000 | $ 144,000 |
| Dallas County Texas | 11 | $ 4,965,000 | $ 451,000 | $ 167,000 |
| Denton County Texas | 11 | $ 5,535,000 | $ 503,000 | $ 482,000 |
| Rains County Texas | 10 | $ 2,190,000 | $ 219,000 | $ 124,000 |
| Houston County Texas | 8 | $ 1,280,000 | $ 160,000 | $ 96,000 |
| Hunt County Texas | 8 | $ 3,030,000 | $ 378,000 | $ 207,000 |
| Tarrant County Texas | 7 | $ 2,295,000 | $ 327,000 | $ 141,000 |
| Wood County Texas | 7 | $ 1,715,000 | $ 245,000 | $ 104,000 |
| Galveston County Texas | 6 | $ 2,030,000 | $ 338,000 | $ 66,000 |
| Smith County Texas | 6 | $ 1,690,000 | $ 281,000 | $ 152,000 |
| Gregg County Texas | 5 | $ 745,000 | $ 149,000 | $ 164,000 |
| Palo Pinto County Texas | 5 | $ 1,595,000 | $ 319,000 | $ 137,000 |
| San Augustine County Texas | 5 | $ 1,025,000 | $ 205,000 | $ 104,000 |
| Cherokee County Texas | 4 | $ 1,150,000 | $ 287,000 | $ 117,000 |
| Fannin County Texas | 4 | $ 970,000 | $ 242,000 | $ 206,000 |
| Hill County Texas | 4 | $ 1,310,000 | $ 327,000 | $ 124,000 |
| Jasper County Texas | 4 | $ 830,000 | $ 207,000 | $ 192,000 |
| Shackelford County Texas | 4 | $ 730,000 | $ 182,000 | $ 118,000 |
| Shelby County Texas | 4 | $ 570,000 | $ 142,000 | $ 98,000 |
| Tyler County Texas | 4 | $ 880,000 | $ 220,000 | $ 191,000 |
| Bexar County Texas | 3 | $ 1,385,000 | $ 461,000 | $ 194,000 |
| Harris County Texas | 3 | $ 1,455,000 | $ 485,000 | $ 181,000 |
| Hopkins County Texas | 3 | $ 1,235,000 | $ 411,000 | $ 135,000 |
| Lamar County Texas | 3 | $ 315,000 | $ 105,000 | $ 112,000 |
| Rockwall County Texas | 3 | $ 1,135,000 | $ 378,000 | $ 137,000 |
| Bernalillo County New Mexico | 2 | $ 450,000 | $ 225,000 | $ 269,000 |
| Brown County Texas | 2 | $ 940,000 | $ 470,000 | $ 83,000 |
| Ellis County Texas | 2 | $ 940,000 | $ 470,000 | $ 179,000 |
| Freestone County Texas | 2 | $ 240,000 | $ 120,000 | $ 114,000 |
| Grayson County Texas | 2 | $ 390,000 | $ 195,000 | $ 312,000 |
| Hardin County Texas | 2 | $ 270,000 | $ 135,000 | $ 122,000 |
| Leon County Texas | 2 | $ 1,050,000 | $ 525,000 | $ 254,000 |
| Panola County Texas | 2 | $ 190,000 | $ 95,000 | $ 106,000 |
| Polk County Texas | 2 | $ 390,000 | $ 195,000 | $ 72,000 |
| Stephens County Texas | 2 | $ 350,000 | $ 175,000 | $ 193,000 |
| Trinity County Texas | 2 | $ 270,000 | $ 135,000 | $ 165,000 |
| Wise County Texas | 2 | $ 440,000 | $ 220,000 | $ 106,000 |
| Mobile County Alabama | 1 | $ 165,000 | $ 165,000 | $ 288,000 |
| Hempstead County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| Polk County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 334,000 |
| Okaloosa County Florida | 1 | $ 725,000 | $ 725,000 | $ 386,000 |
| Cook County Illinois | 1 | $ 315,000 | $ 315,000 | $ 836,000 |
| Worcester County Maryland | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| McCurtain County Oklahoma | 1 | $ 425,000 | $ 425,000 | $ 305,000 |
| Tulsa County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 202,000 |
| Greenwood County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Hamilton County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 72,000 |
| Bee County Texas | 1 | $ 465,000 | $ 465,000 | $ 167,000 |
| Bell County Texas | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Camp County Texas | 1 | $ 235,000 | $ 235,000 | $ 136,000 |
| Chambers County Texas | 1 | $ 145,000 | $ 145,000 | $ 139,000 |
| Cooke County Texas | 1 | $ 425,000 | $ 425,000 | $ 2,774,000 |
| Fayette County Texas | 1 | $ 325,000 | $ 325,000 | $ 87,000 |
| Franklin County Texas | 1 | $ 375,000 | $ 375,000 | $ 115,000 |
| Guadalupe County Texas | 1 | $ 145,000 | $ 145,000 | $ 1,236,000 |
| Hale County Texas | 1 | $ 185,000 | $ 185,000 | $ 105,000 |
| Harrison County Texas | 1 | $ 585,000 | $ 585,000 | $ 293,000 |
| Henderson County Texas | 1 | $ 285,000 | $ 285,000 | $ 117,000 |
| Hood County Texas | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Howard County Texas | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Kaufman County Texas | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Kendall County Texas | 1 | $ 525,000 | $ 525,000 | $ 201,000 |
| Liberty County Texas | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| McLennan County Texas | 1 | $ 235,000 | $ 235,000 | $ 412,000 |
| Parker County Texas | 1 | $ 515,000 | $ 515,000 | $ 245,000 |
| Rusk County Texas | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Sabine County Texas | 1 | $ 445,000 | $ 445,000 | $ 166,000 |
| Somervell County Texas | 1 | $ 385,000 | $ 385,000 | $ 109,000 |
| Titus County Texas | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Travis County Texas | 1 | $ 1,005,000 | $ 1,005,000 | $ 180,000 |
| Van Zandt County Texas | 1 | $ 645,000 | $ 645,000 | $ 70,000 |
| Waller County Texas | 1 | $ 565,000 | $ 565,000 | $ 248,000 |
Mortgage Loan Application Detail Totals for Commercial Bank Of Texas, National Association in 2023
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 | 431 | $121,725,000 | $282,000 | $2,325,000 | $175,000 | $3,780,000 |
| Cash-out Refinancing | 63 | $10,805,000 | $171,000 | $725,000 | $104,000 | $426,000 |
| Other Purpose | 47 | $8,335,000 | $177,000 | $1,505,000 | $165,000 | $1,850,000 |
| Refinancing | 43 | $12,565,000 | $292,000 | $2,455,000 | $132,000 | $540,000 |
| Home Improvement | 18 | $2,160,000 | $120,000 | $355,000 | $209,000 | $1,212,000 |
| 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 | 397 | $102,695,000 | $258,000 | $2,105,000 | $155,000 | $2,911,000 |
| Hispanic | 80 | $14,590,000 | $182,000 | $635,000 | $118,000 | $720,000 |
| Not Provided | 47 | $15,545,000 | $330,000 | $1,795,000 | $267,000 | $2,774,000 |
| Not applicable | 46 | $10,540,000 | $229,000 | $2,455,000 | $0 | $0 |
| Asian | 13 | $8,115,000 | $624,000 | $2,325,000 | $489,000 | $3,780,000 |
| Black or African American | 13 | $2,535,000 | $195,000 | $425,000 | $84,000 | $177,000 |
| American Indian or Alaskan Native | 3 | $835,000 | $278,000 | $335,000 | $110,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $265,000 | $265,000 | $265,000 | $111,000 | $111,000 |
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) | 543 | $138,585,000 | $255,000 | $2,455,000 | $171,000 | $3,780,000 |
| FHA-insured (Federal Housing Administration) | 41 | $10,215,000 | $249,000 | $545,000 | $102,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 18 | $6,790,000 | $377,000 | $665,000 | $136,000 | $293,000 |
| 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 | 458 | $124,470,000 | $271,000 | $2,455,000 | $183,000 | $3,780,000 |
| Application Denied By Financial Institution | 72 | $14,890,000 | $206,000 | $725,000 | $103,000 | $386,000 |
| Application Approved But Not Accepted | 56 | $13,370,000 | $238,000 | $1,605,000 | $126,000 | $540,000 |
| Application Withdrawn By Applicant | 16 | $2,860,000 | $178,000 | $595,000 | $118,000 | $501,000 |
| 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 |
| 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 | 530 | $140,700,000 | $265,000 | $2,455,000 | $175,000 | $3,780,000 |
| Credit History | 35 | $6,085,000 | $173,000 | $505,000 | $91,000 | $209,000 |
| Debt-To-Income Ratio | 23 | $5,675,000 | $246,000 | $725,000 | $99,000 | $308,000 |
| Other | 8 | $1,500,000 | $187,000 | $375,000 | $130,000 | $270,000 |
| Collateral | 3 | $1,135,000 | $378,000 | $725,000 | $226,000 | $386,000 |
| Employment History | 2 | $420,000 | $210,000 | $215,000 | $60,000 | $74,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $70,000 | $70,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial Bank Of Texas, National Association's 2023 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 Commercial Bank Of Texas, 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.