Integrity Bank, SSB Mortgage Lending & HMDA Data, 2013
In 2013, Integrity Bank, SSB of Houston, TX reported 225 mortgage applications totaling $41.1 million, up 73% from 2012. The average application was for $182,604, and applicants reported an average income of $73,444. 96% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (220), San Antonio-New Braunfels, TX (3) and College Station-Bryan, TX (1) (applications in parentheses).
| Mortgage Company & Address | Integrity Bank, SSB 4040 Washington Ave Houston, TX 77007 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 225 |
| Total Mortgage Loan Application Amount | $41,086,000 |
| Average Mortgage Loan Application Amount | $182,604 |
| Highest Mortgage Loan Application Amount | $4,585,000 |
| Average Applicant Income | $73,444 |
| Highest Applicant Income | $3,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Integrity Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Integrity Bank, SSB in 2013
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 | 211 | $33,274,000 | $157,000 | $3,000,000 | $63,000 | $3,500,000 |
| Refinancing | 8 | $6,704,000 | $838,000 | $4,585,000 | $35,000 | $150,000 |
| Home Improvement | 6 | $1,108,000 | $184,000 | $565,000 | $492,000 | $1,014,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 175 | $27,161,000 | $155,000 | $4,585,000 | $0 | $0 |
| White | 26 | $5,450,000 | $209,000 | $565,000 | $195,000 | $1,140,000 |
| Hispanic | 14 | $6,674,000 | $476,000 | $2,100,000 | $477,000 | $1,995,000 |
| Not Provided | 5 | $894,000 | $178,000 | $628,000 | $180,000 | $388,000 |
| Black or African American | 3 | $645,000 | $215,000 | $383,000 | $1,210,000 | $3,500,000 |
| Asian | 2 | $262,000 | $131,000 | $170,000 | $144,000 | $210,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 225 | $41,086,000 | $182,000 | $4,585,000 | $73,000 | $3,500,000 |
| 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 | 215 | $36,438,000 | $169,000 | $4,585,000 | $60,000 | $3,500,000 |
| Application Withdrawn By Applicant | 6 | $3,658,000 | $609,000 | $2,100,000 | $543,000 | $1,995,000 |
| Application Approved But Not Accepted | 2 | $425,000 | $212,000 | $233,000 | $0 | $0 |
| Application Denied By Financial Institution | 2 | $565,000 | $282,000 | $495,000 | $117,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 1 | $495,000 | $495,000 | $495,000 | $84,000 | $84,000 |
| Collateral | 1 | $70,000 | $70,000 | $70,000 | $150,000 | $150,000 |
| Credit Application Incomplete | 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 Integrity Bank, SSB's 2013 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 Integrity Bank, 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.
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