Extraco Banks, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Extraco Banks, 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 | 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 | 451 |
| Total Mortgage Loan Application Amount | $155,585,000 |
| Average Mortgage Loan Application Amount | $200,800 |
| Highest Mortgage Loan Application Amount | $2,465,000 |
| Average Applicant Income | $167,800 |
| Highest Applicant Income | $970,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 135 | $ 40,325,000 | $ 298,000 | $ 189,000 |
| Brazos County Texas | 83 | $ 31,165,000 | $ 375,000 | $ 208,000 |
| McLennan County Texas | 77 | $ 26,035,000 | $ 338,000 | $ 188,000 |
| Nueces County Texas | 29 | $ 7,175,000 | $ 247,000 | $ 153,000 |
| Coryell County Texas | 17 | $ 3,435,000 | $ 202,000 | $ 127,000 |
| Harris County Texas | 11 | $ 4,175,000 | $ 379,000 | $ 283,000 |
| Williamson County Texas | 11 | $ 4,805,000 | $ 436,000 | $ 248,000 |
| Bexar County Texas | 6 | $ 2,850,000 | $ 475,000 | $ 183,000 |
| Montgomery County Texas | 6 | $ 1,870,000 | $ 311,000 | $ 217,000 |
| San Patricio County Texas | 6 | $ 1,240,000 | $ 206,000 | $ 119,000 |
| Dallas County Texas | 5 | $ 3,035,000 | $ 607,000 | $ 249,000 |
| Travis County Texas | 5 | $ 3,915,000 | $ 783,000 | $ 351,000 |
| Milam County Texas | 4 | $ 1,950,000 | $ 487,000 | $ 185,000 |
| Robertson County Texas | 4 | $ 1,590,000 | $ 397,000 | $ 177,000 |
| Tarrant County Texas | 3 | $ 1,145,000 | $ 381,000 | $ 242,000 |
| Bosque County Texas | 2 | $ 540,000 | $ 270,000 | $ 315,000 |
| Burleson County Texas | 2 | $ 360,000 | $ 180,000 | $ 98,000 |
| Burnet County Texas | 2 | $ 630,000 | $ 315,000 | $ 106,000 |
| Collin County Texas | 2 | $ 430,000 | $ 215,000 | $ 92,000 |
| Falls County Texas | 2 | $ 930,000 | $ 465,000 | $ 216,000 |
| Galveston County Texas | 2 | $ 860,000 | $ 430,000 | $ 351,000 |
| Henderson County Texas | 2 | $ 1,520,000 | $ 760,000 | $ 288,000 |
| Lampasas County Texas | 2 | $ 520,000 | $ 260,000 | $ 121,000 |
| Leon County Texas | 2 | $ 460,000 | $ 230,000 | $ 142,000 |
| Taylor County Texas | 2 | $ 930,000 | $ 465,000 | $ 136,000 |
| Okaloosa County Florida | 1 | $ 2,465,000 | $ 2,465,000 | $ 0 |
| Lincoln County Maine | 1 | $ 455,000 | $ 455,000 | $ 193,000 |
| Bernalillo County New Mexico | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Santa Fe County New Mexico | 1 | $ 295,000 | $ 295,000 | $ 109,000 |
| Cumberland County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 85,000 |
| Jackson County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Maury County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 78,000 |
| Montgomery County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 247,000 |
| Aransas County Texas | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Archer County Texas | 1 | $ 465,000 | $ 465,000 | $ 380,000 |
| Cameron County Texas | 1 | $ 355,000 | $ 355,000 | $ 400,000 |
| Cherokee County Texas | 1 | $ 545,000 | $ 545,000 | $ 250,000 |
| Duval County Texas | 1 | $ 75,000 | $ 75,000 | $ 28,000 |
| Erath County Texas | 1 | $ 285,000 | $ 285,000 | $ 161,000 |
| Gillespie County Texas | 1 | $ 275,000 | $ 275,000 | $ 185,000 |
| Gregg County Texas | 1 | $ 545,000 | $ 545,000 | $ 389,000 |
| Hamilton County Texas | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Hays County Texas | 1 | $ 865,000 | $ 865,000 | $ 370,000 |
| Johnson County Texas | 1 | $ 575,000 | $ 575,000 | $ 224,000 |
| Kleberg County Texas | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Liberty County Texas | 1 | $ 395,000 | $ 395,000 | $ 206,000 |
| Lubbock County Texas | 1 | $ 505,000 | $ 505,000 | $ 288,000 |
| Medina County Texas | 1 | $ 285,000 | $ 285,000 | $ 91,000 |
| Rusk County Texas | 1 | $ 815,000 | $ 815,000 | $ 389,000 |
| Smith County Texas | 1 | $ 465,000 | $ 465,000 | $ 118,000 |
| Tom Green County Texas | 1 | $ 145,000 | $ 145,000 | $ 475,000 |
| Victoria County Texas | 1 | $ 465,000 | $ 465,000 | $ 226,000 |
| Arlington County Virginia | 1 | $ 935,000 | $ 935,000 | $ 295,000 |
| Chesapeake County Virginia | 1 | $ 325,000 | $ 325,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for Extraco Banks, 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 | 329 | $134,965,000 | $410,000 | $2,465,000 | $220,000 | $970,000 |
| Refinancing | 63 | $13,785,000 | $218,000 | $1,025,000 | $121,000 | $490,000 |
| Other Purpose | 29 | $2,525,000 | $87,000 | $305,000 | $156,000 | $494,000 |
| Cash-out Refinancing | 21 | $2,985,000 | $142,000 | $355,000 | $61,000 | $135,000 |
| Home Improvement | 9 | $1,325,000 | $147,000 | $395,000 | $281,000 | $850,000 |
| 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 | 271 | $96,045,000 | $354,000 | $1,415,000 | $198,000 | $929,000 |
| Hispanic | 55 | $17,065,000 | $310,000 | $1,605,000 | $171,000 | $970,000 |
| Not applicable | 47 | $15,975,000 | $339,000 | $2,465,000 | $0 | $0 |
| Not Provided | 42 | $15,090,000 | $359,000 | $1,525,000 | $194,000 | $675,000 |
| Asian | 17 | $6,185,000 | $363,000 | $1,055,000 | $298,000 | $850,000 |
| Black or African American | 12 | $2,930,000 | $244,000 | $505,000 | $100,000 | $181,000 |
| American Indian or Alaskan Native | 3 | $1,545,000 | $515,000 | $725,000 | $180,000 | $262,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $140,000 | $140,000 |
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) | 417 | $144,965,000 | $347,000 | $2,465,000 | $201,000 | $970,000 |
| VA-guaranteed (Veterans Administration) | 22 | $8,030,000 | $365,000 | $725,000 | $123,000 | $230,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,590,000 | $215,000 | $365,000 | $108,000 | $247,000 |
| 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 | 362 | $131,520,000 | $363,000 | $2,465,000 | $212,000 | $970,000 |
| Application Withdrawn By Applicant | 49 | $17,435,000 | $355,000 | $1,145,000 | $175,000 | $600,000 |
| Application Denied By Financial Institution | 32 | $5,050,000 | $157,000 | $475,000 | $91,000 | $319,000 |
| File Closed For Incompleteness | 7 | $1,295,000 | $185,000 | $355,000 | $16,000 | $80,000 |
| Application Approved But Not Accepted | 1 | $285,000 | $285,000 | $285,000 | $161,000 | $161,000 |
| 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 | 419 | $150,535,000 | $359,000 | $2,465,000 | $203,000 | $970,000 |
| Debt-To-Income Ratio | 17 | $3,835,000 | $225,000 | $475,000 | $105,000 | $319,000 |
| Credit History | 11 | $815,000 | $74,000 | $225,000 | $60,000 | $135,000 |
| Collateral | 2 | $230,000 | $115,000 | $125,000 | $160,000 | $235,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $126,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Extraco Banks, 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 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.