Extraco Banks, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Extraco Banks, National Association 2022 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 | Extraco Banks, National Association 18 South Main Street Temple, TX 76501 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 | 586 |
| Total Mortgage Loan Application Amount | $194,990,000 |
| Average Mortgage Loan Application Amount | $203,000 |
| Highest Mortgage Loan Application Amount | $10,645,000 |
| Average Applicant Income | $162,200 |
| Highest Applicant Income | $1,184,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Extraco Banks, 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 Extraco Banks, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Extraco Banks, 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 Extraco Banks, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Extraco Banks, 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 Extraco Banks, National Association's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bell County Texas | 216 | $ 68,160,000 | $ 315,000 | $ 175,000 |
| Brazos County Texas | 115 | $ 38,245,000 | $ 332,000 | $ 212,000 |
| McLennan County Texas | 89 | $ 23,045,000 | $ 258,000 | $ 156,000 |
| Nueces County Texas | 24 | $ 6,000,000 | $ 250,000 | $ 111,000 |
| Coryell County Texas | 21 | $ 3,625,000 | $ 172,000 | $ 120,000 |
| Williamson County Texas | 13 | $ 5,445,000 | $ 418,000 | $ 203,000 |
| Harris County Texas | 12 | $ 7,140,000 | $ 595,000 | $ 253,000 |
| Hamilton County Texas | 11 | $ 1,975,000 | $ 179,000 | $ 91,000 |
| Burleson County Texas | 6 | $ 1,180,000 | $ 196,000 | $ 123,000 |
| Lampasas County Texas | 6 | $ 1,440,000 | $ 240,000 | $ 134,000 |
| Denton County Texas | 5 | $ 2,275,000 | $ 455,000 | $ 266,000 |
| Tarrant County Texas | 5 | $ 2,115,000 | $ 423,000 | $ 144,000 |
| Bexar County Texas | 4 | $ 1,470,000 | $ 367,000 | $ 133,000 |
| Dallas County Texas | 4 | $ 12,690,000 | $ 3,172,000 | $ 239,000 |
| Montgomery County Texas | 4 | $ 1,550,000 | $ 387,000 | $ 205,000 |
| Grimes County Texas | 3 | $ 505,000 | $ 168,000 | $ 121,000 |
| Hidalgo County Texas | 3 | $ 1,145,000 | $ 381,000 | $ 273,000 |
| Milam County Texas | 3 | $ 575,000 | $ 191,000 | $ 163,000 |
| Travis County Texas | 3 | $ 1,815,000 | $ 605,000 | $ 411,000 |
| Maricopa County Arizona | 2 | $ 450,000 | $ 225,000 | $ 86,000 |
| Bosque County Texas | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Ector County Texas | 2 | $ 400,000 | $ 200,000 | $ 54,000 |
| Falls County Texas | 2 | $ 530,000 | $ 265,000 | $ 87,000 |
| Fort Bend County Texas | 2 | $ 540,000 | $ 270,000 | $ 94,000 |
| Guadalupe County Texas | 2 | $ 750,000 | $ 375,000 | $ 123,000 |
| Madison County Texas | 2 | $ 540,000 | $ 270,000 | $ 88,000 |
| Robertson County Texas | 2 | $ 590,000 | $ 295,000 | $ 110,000 |
| Tom Green County Texas | 2 | $ 1,010,000 | $ 505,000 | $ 375,000 |
| Lonoke County Arkansas | 1 | $ 235,000 | $ 235,000 | $ 76,000 |
| Solano County California | 1 | $ 935,000 | $ 935,000 | $ 293,000 |
| Harrison County Mississippi | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Clark County Nevada | 1 | $ 295,000 | $ 295,000 | $ 104,000 |
| Otero County New Mexico | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Greenville County South Carolina | 1 | $ 645,000 | $ 645,000 | $ 214,000 |
| Burnet County Texas | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Cameron County Texas | 1 | $ 285,000 | $ 285,000 | $ 161,000 |
| Collin County Texas | 1 | $ 1,155,000 | $ 1,155,000 | $ 36,000 |
| Galveston County Texas | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Hill County Texas | 1 | $ 215,000 | $ 215,000 | $ 102,000 |
| Lubbock County Texas | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Medina County Texas | 1 | $ 675,000 | $ 675,000 | $ 497,000 |
| Morris County Texas | 1 | $ 65,000 | $ 65,000 | $ 108,000 |
| Orange County Texas | 1 | $ 455,000 | $ 455,000 | $ 199,000 |
| Polk County Texas | 1 | $ 535,000 | $ 535,000 | $ 204,000 |
| Randall County Texas | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| San Patricio County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Smith County Texas | 1 | $ 435,000 | $ 435,000 | $ 275,000 |
| Taylor County Texas | 1 | $ 615,000 | $ 615,000 | $ 163,000 |
| Washington County Texas | 1 | $ 985,000 | $ 985,000 | $ 360,000 |
Mortgage Loan Application Detail Totals for Extraco Banks, National Association in 2022
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 | 406 | $153,890,000 | $379,000 | $10,645,000 | $190,000 | $1,184,000 |
| Refinancing | 127 | $34,985,000 | $275,000 | $2,505,000 | $138,000 | $600,000 |
| Other Purpose | 32 | $2,720,000 | $85,000 | $325,000 | $130,000 | $520,000 |
| Cash-out Refinancing | 17 | $2,995,000 | $176,000 | $445,000 | $86,000 | $189,000 |
| Home Improvement | 4 | $400,000 | $100,000 | $175,000 | $267,000 | $334,000 |
| 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 | 320 | $107,300,000 | $335,000 | $1,815,000 | $184,000 | $1,184,000 |
| Not applicable | 92 | $40,960,000 | $445,000 | $10,645,000 | $0 | $0 |
| Not Provided | 67 | $16,085,000 | $240,000 | $995,000 | $140,000 | $450,000 |
| Hispanic | 60 | $15,010,000 | $250,000 | $875,000 | $119,000 | $400,000 |
| Asian | 27 | $10,385,000 | $384,000 | $1,395,000 | $236,000 | $1,112,000 |
| Black or African American | 15 | $3,235,000 | $215,000 | $465,000 | $151,000 | $577,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $69,000 | $69,000 |
| American Indian or Alaskan Native | 1 | $635,000 | $635,000 | $635,000 | $500,000 | $500,000 |
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) | 559 | $185,985,000 | $332,000 | $10,645,000 | $177,000 | $1,184,000 |
| VA-guaranteed (Veterans Administration) | 15 | $5,955,000 | $397,000 | $935,000 | $106,000 | $293,000 |
| FHA-insured (Federal Housing Administration) | 12 | $3,050,000 | $254,000 | $345,000 | $104,000 | $185,000 |
| 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 | 453 | $158,845,000 | $350,000 | $10,645,000 | $178,000 | $1,184,000 |
| Application Withdrawn By Applicant | 74 | $23,900,000 | $322,000 | $1,465,000 | $198,000 | $1,112,000 |
| Application Denied By Financial Institution | 49 | $10,435,000 | $212,000 | $1,135,000 | $95,000 | $480,000 |
| File Closed For Incompleteness | 7 | $1,095,000 | $156,000 | $395,000 | $121,000 | $334,000 |
| Loan Purchased By The Institution | 2 | $510,000 | $255,000 | $325,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $205,000 | $205,000 | $205,000 | $213,000 | $213,000 |
| 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 | 537 | $184,555,000 | $343,000 | $10,645,000 | $181,000 | $1,184,000 |
| Credit History | 22 | $3,480,000 | $158,000 | $465,000 | $117,000 | $480,000 |
| Debt-To-Income Ratio | 17 | $3,355,000 | $197,000 | $565,000 | $63,000 | $159,000 |
| Other | 9 | $3,535,000 | $392,000 | $1,135,000 | $120,000 | $209,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $108,000 | $108,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Extraco Banks, National Association's 2022 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 Extraco Banks, 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.