Commercial State Bank Mortgage Lending & HMDA Data, 2015
In 2015, Commercial State Bank of Kingwood, TX reported 70 mortgage applications totaling $18.7 million, down 11% from 2014. The average application was for $267,485, and applicants reported an average income of $113,500. 63% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (24), San Antonio-New Braunfels, TX (1) and Victoria, TX (1) (applications in parentheses).
| Mortgage Company & Address | Commercial State Bank 24080 Hwy 59 N Ste 100 Kingwood, TX 77339 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 70 |
| Total Mortgage Loan Application Amount | $18,724,000 |
| Average Mortgage Loan Application Amount | $267,485 |
| Highest Mortgage Loan Application Amount | $4,800,000 |
| Average Applicant Income | $113,500 |
| Highest Applicant Income | $691,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Commercial State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wharton, Texas | 30 | $ 2,997,000 | $ 99,900 | $ 88,000 |
| Harris, Texas | 14 | $ 5,988,000 | $ 427,714 | $ 108,000 |
| Colorado, Texas | 5 | $ 230,000 | $ 46,000 | $ 84,000 |
| Montgomery, Texas | 4 | $ 1,639,000 | $ 409,750 | $ 462,000 |
| Fort Bend, Texas | 3 | $ 697,000 | $ 232,333 | $ 153,000 |
| Galveston, Texas | 2 | $ 1,419,000 | $ 709,500 | $ 246,000 |
| Matagorda, Texas | 2 | $ 94,000 | $ 47,000 | $ 47,000 |
| Brazoria, Texas | 1 | $ 4,800,000 | $ 4,800,000 | $ 0 |
| Comal, Texas | 1 | $ 198,000 | $ 198,000 | $ 169,000 |
| Grimes, Texas | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Houston, Texas | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Milam, Texas | 1 | $ 150,000 | $ 150,000 | $ 76,000 |
| San Jacinto, Texas | 1 | $ 230,000 | $ 230,000 | $ 178,000 |
| Trinity, Texas | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Victoria, Texas | 1 | $ 69,000 | $ 69,000 | $ 76,000 |
| Walker, Texas | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Washington, Texas | 1 | $ 56,000 | $ 56,000 | $ 0 |
Mortgage Loan Application Detail Totals for Commercial State Bank in 2015
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 | 40 | $12,778,000 | $319,000 | $4,800,000 | $91,000 | $691,000 |
| Refinancing | 25 | $5,460,000 | $218,000 | $879,000 | $151,000 | $691,000 |
| Home Improvement | 5 | $486,000 | $97,000 | $362,000 | $106,000 | $440,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 32 | $1,951,000 | $60,000 | $140,000 | $89,000 | $273,000 |
| White | 21 | $6,713,000 | $319,000 | $715,000 | $230,000 | $691,000 |
| Not applicable | 16 | $9,970,000 | $623,000 | $4,800,000 | $0 | $0 |
| Not Provided | 1 | $90,000 | $90,000 | $90,000 | $294,000 | $294,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 70 | $18,724,000 | $267,000 | $4,800,000 | $114,000 | $691,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 44 | $15,307,000 | $347,000 | $4,800,000 | $128,000 | $691,000 |
| Application Withdrawn By Applicant | 15 | $1,985,000 | $132,000 | $600,000 | $109,000 | $294,000 |
| Application Denied By Financial Institution | 8 | $458,000 | $57,000 | $140,000 | $48,000 | $143,000 |
| File Closed For Incompleteness | 3 | $974,000 | $324,000 | $594,000 | $98,000 | $175,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $458,000 | $57,000 | $140,000 | $48,000 | $143,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Commercial State Bank's 2015 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 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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