I Bank Texas, SSB Mortgage Lending & HMDA Data, 2008
In 2008, I Bank Texas, SSB of Austin, TX reported 81 mortgage applications totaling $16.8 million, up 113% from 2007. The average application was for $207,790, and applicants reported an average income of $81,370. 93% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Austin-Round Rock, TX (72), Killeen-Temple-Fort Hood, TX (2) and San Antonio, TX (2) (applications in parentheses).
| Mortgage Company & Address | I Bank Texas, SSB P O Box 342049 Austin, TX 78734 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 81 |
| Total Mortgage Loan Application Amount | $16,831,000 |
| Average Mortgage Loan Application Amount | $207,790 |
| Highest Mortgage Loan Application Amount | $880,000 |
| Average Applicant Income | $81,370 |
| Highest Applicant Income | $584,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records I Bank Texas, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Travis, Texas | 51 | $ 11,368,000 | $ 222,901 | $ 70,000 |
| Williamson, Texas | 13 | $ 1,499,000 | $ 115,307 | $ 90,000 |
| Hays, Texas | 7 | $ 2,028,000 | $ 289,714 | $ 52,000 |
| Bell, Texas | 2 | $ 120,000 | $ 60,000 | $ 68,000 |
| Bexar, Texas | 2 | $ 149,000 | $ 74,500 | $ 292,000 |
| La Plata, Colorado | 1 | $ 640,000 | $ 640,000 | $ 494,000 |
| Bastrop, Texas | 1 | $ 168,000 | $ 168,000 | $ 92,000 |
| Burnet, Texas | 1 | $ 98,000 | $ 98,000 | $ 81,000 |
| Harris, Texas | 1 | $ 528,000 | $ 528,000 | $ 64,000 |
| Lubbock, Texas | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| McLennan, Texas | 1 | $ 133,000 | $ 133,000 | $ 0 |
Mortgage Loan Application Detail Totals for I Bank Texas, SSB in 2008
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 | 66 | $13,566,000 | $205,000 | $880,000 | $86,000 | $584,000 |
| Home Improvement | 9 | $1,792,000 | $199,000 | $360,000 | $51,000 | $168,000 |
| Refinancing | 6 | $1,473,000 | $245,000 | $483,000 | $76,000 | $244,000 |
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 |
|---|---|---|---|---|---|---|
| White | 54 | $11,332,000 | $209,000 | $678,000 | $115,000 | $584,000 |
| Not applicable | 22 | $4,011,000 | $182,000 | $486,000 | $8,000 | $78,000 |
| Asian | 4 | $1,383,000 | $345,000 | $880,000 | $54,000 | $117,000 |
| Hispanic | 1 | $105,000 | $105,000 | $105,000 | $21,000 | $21,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 81 | $16,831,000 | $207,000 | $880,000 | $81,000 | $584,000 |
| 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 | 75 | $16,023,000 | $213,000 | $880,000 | $78,000 | $584,000 |
| Application Withdrawn By Applicant | 4 | $469,000 | $117,000 | $140,000 | $83,000 | $217,000 |
| Application Approved But Not Accepted | 1 | $139,000 | $139,000 | $139,000 | $28,000 | $28,000 |
| Application Denied By Financial Institution | 1 | $200,000 | $200,000 | $200,000 | $356,000 | $356,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into I Bank Texas, SSB's 2008 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 I Bank Texas, SSB'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.
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