International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

International Bank Of Commerce 2005 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 International Bank Of Commerce
1200 San Bernardo Ave.
Laredo, TX 78040
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 9,006
Total Mortgage Loan Application Amount $449,927,000
Average Mortgage Loan Application Amount $119,272
Highest Mortgage Loan Application Amount $13,750,000
Average Applicant Income $96,727
Highest Applicant Income $7,000,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with International Bank Of Commerce. 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 International Bank Of Commerce's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2005 breaks down International Bank Of Commerce'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 International Bank Of Commerce serves its applicants.

Each category highlights the total number of mortgage applications processed by International Bank Of Commerce, 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 International Bank Of Commerce's mortgage activity for 2005.

Mortgage Loan Application Totals for International Bank Of Commerce by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris County Texas 1,486 $ 75,589,000 $ 50,000 $ 83,000
Travis County Texas 820 $ 36,550,000 $ 44,000 $ 96,000
Bexar County Texas 591 $ 35,854,000 $ 60,000 $ 94,000
Dallas County Texas 447 $ 16,269,000 $ 36,000 $ 118,000
Fort Bend County Texas 433 $ 17,552,000 $ 40,000 $ 105,000
Collin County Texas 404 $ 14,863,000 $ 36,000 $ 126,000
Williamson County Texas 397 $ 15,581,000 $ 39,000 $ 87,000
Hidalgo County Texas 386 $ 41,669,000 $ 107,000 $ 86,000
Tarrant County Texas 380 $ 11,988,000 $ 31,000 $ 121,000
Webb County Texas 365 $ 33,561,000 $ 91,000 $ 66,000
Denton County Texas 349 $ 11,460,000 $ 32,000 $ 98,000
Oklahoma County Oklahoma 324 $ 17,606,000 $ 54,000 $ 64,000
Montgomery County Texas 233 $ 7,943,000 $ 34,000 $ 119,000
Stephens County Oklahoma 193 $ 9,955,000 $ 51,000 $ 47,000
Brazoria County Texas 182 $ 6,409,000 $ 35,000 $ 114,000
Galveston County Texas 157 $ 5,604,000 $ 35,000 $ 98,000
Tulsa County Oklahoma 136 $ 5,681,000 $ 41,000 $ 57,000
Comanche County Oklahoma 105 $ 3,988,000 $ 37,000 $ 143,000
Nueces County Texas 105 $ 7,590,000 $ 72,000 $ 115,000
Hays County Texas 85 $ 3,631,000 $ 42,000 $ 102,000
Cleveland County Oklahoma 69 $ 2,909,000 $ 42,000 $ 59,000
Ottawa County Oklahoma 59 $ 1,875,000 $ 31,000 $ 38,000
Garvin County Oklahoma 58 $ 2,524,000 $ 43,000 $ 45,000
Rockwall County Texas 58 $ 2,315,000 $ 39,000 $ 91,000
Comal County Texas 51 $ 3,121,000 $ 61,000 $ 87,000
Canadian County Oklahoma 48 $ 2,548,000 $ 53,000 $ 97,000
Logan County Oklahoma 47 $ 1,869,000 $ 39,000 $ 54,000
Guadalupe County Texas 43 $ 1,439,000 $ 33,000 $ 74,000
Creek County Oklahoma 41 $ 1,774,000 $ 43,000 $ 42,000
Starr County Texas 41 $ 4,215,000 $ 102,000 $ 39,000
Maverick County Texas 40 $ 4,836,000 $ 120,000 $ 99,000
Rogers County Oklahoma 37 $ 1,740,000 $ 47,000 $ 64,000
Calhoun County Texas 36 $ 3,169,000 $ 88,000 $ 62,000
Ellis County Texas 36 $ 1,199,000 $ 33,000 $ 93,000
Beckham County Oklahoma 34 $ 1,513,000 $ 44,000 $ 61,000
Kaufman County Texas 30 $ 894,000 $ 29,000 $ 109,000
Lincoln County Oklahoma 27 $ 1,210,000 $ 44,000 $ 63,000
Custer County Oklahoma 25 $ 820,000 $ 32,000 $ 48,000
Carter County Oklahoma 24 $ 703,000 $ 29,000 $ 44,000
Bell County Texas 22 $ 622,000 $ 28,000 $ 101,000
Johnson County Texas 21 $ 625,000 $ 29,000 $ 94,000
Victoria County Texas 21 $ 2,058,000 $ 98,000 $ 390,000
Delaware County Oklahoma 20 $ 714,000 $ 35,000 $ 68,000
Grady County Oklahoma 20 $ 731,000 $ 36,000 $ 37,000
El Paso County Texas 19 $ 647,000 $ 34,000 $ 97,000
Pottawatomie County Oklahoma 17 $ 541,000 $ 31,000 $ 69,000
Murray County Oklahoma 16 $ 445,000 $ 27,000 $ 42,000
Parker County Texas 15 $ 505,000 $ 33,000 $ 119,000
McClain County Oklahoma 13 $ 598,000 $ 46,000 $ 52,000
Muskogee County Oklahoma 13 $ 342,000 $ 26,000 $ 29,000
Wagoner County Oklahoma 13 $ 557,000 $ 42,000 $ 44,000
San Patricio County Texas 13 $ 512,000 $ 39,000 $ 62,000
Aransas County Texas 12 $ 2,065,000 $ 172,000 $ 162,000
Chambers County Texas 12 $ 359,000 $ 29,000 $ 88,000
Brazos County Texas 11 $ 329,000 $ 29,000 $ 84,000
Burnet County Texas 10 $ 463,000 $ 46,000 $ 111,000
Grayson County Texas 10 $ 235,000 $ 23,000 $ 86,000
Kendall County Texas 10 $ 377,000 $ 37,000 $ 167,000
Cooke County Texas 9 $ 182,000 $ 20,000 $ 73,000
Matagorda County Texas 9 $ 458,000 $ 50,000 $ 58,000
Caldwell County Texas 8 $ 251,000 $ 31,000 $ 48,000
Hood County Texas 8 $ 208,000 $ 26,000 $ 128,000
Medina County Texas 8 $ 319,000 $ 39,000 $ 69,000
Smith County Texas 8 $ 315,000 $ 39,000 $ 86,000
Llano County Texas 7 $ 1,365,000 $ 195,000 $ 222,000
Lubbock County Texas 7 $ 182,000 $ 26,000 $ 83,000
McLennan County Texas 7 $ 211,000 $ 30,000 $ 84,000
Cotton County Oklahoma 6 $ 366,000 $ 61,000 $ 43,000
Love County Oklahoma 6 $ 267,000 $ 44,000 $ 49,000
Osage County Oklahoma 6 $ 284,000 $ 47,000 $ 41,000
Washita County Oklahoma 6 $ 164,000 $ 27,000 $ 43,000
Austin County Texas 6 $ 285,000 $ 47,000 $ 104,000
Bastrop County Texas 6 $ 144,000 $ 24,000 $ 78,000
Henderson County Texas 6 $ 153,000 $ 25,000 $ 105,000
Jim Wells County Texas 6 $ 648,000 $ 108,000 $ 50,000
Wise County Texas 6 $ 202,000 $ 33,000 $ 109,000
Bandera County Texas 5 $ 1,187,000 $ 237,000 $ 196,000
Bowie County Texas 5 $ 214,000 $ 42,000 $ 110,000
Erath County Texas 5 $ 158,000 $ 31,000 $ 180,000
Waller County Texas 5 $ 116,000 $ 23,000 $ 95,000
Washington County Texas 5 $ 83,000 $ 16,000 $ 52,000
Caddo County Oklahoma 4 $ 156,000 $ 39,000 $ 36,000
Craig County Oklahoma 4 $ 193,000 $ 48,000 $ 52,000
Kingfisher County Oklahoma 4 $ 166,000 $ 41,000 $ 87,000
Atascosa County Texas 4 $ 234,000 $ 58,000 $ 61,000
Gregg County Texas 4 $ 114,000 $ 28,000 $ 76,000
Hunt County Texas 4 $ 120,000 $ 30,000 $ 118,000
Jefferson County Texas 4 $ 165,000 $ 41,000 $ 44,000
Kerr County Texas 4 $ 178,000 $ 44,000 $ 89,000
Liberty County Texas 4 $ 73,000 $ 18,000 $ 78,000
Val Verde County Texas 4 $ 328,000 $ 82,000 $ 51,000
Wilson County Texas 4 $ 119,000 $ 29,000 $ 87,000
Jefferson County Oklahoma 3 $ 147,000 $ 49,000 $ 52,000
Johnston County Oklahoma 3 $ 95,000 $ 31,000 $ 65,000
McIntosh County Oklahoma 3 $ 173,000 $ 57,000 $ 27,000
Noble County Oklahoma 3 $ 108,000 $ 36,000 $ 27,000
Pawnee County Oklahoma 3 $ 169,000 $ 56,000 $ 52,000
Payne County Oklahoma 3 $ 112,000 $ 37,000 $ 62,000
Bosque County Texas 3 $ 83,000 $ 27,000 $ 108,000
Franklin County Texas 3 $ 98,000 $ 32,000 $ 215,000
Hardin County Texas 3 $ 100,000 $ 33,000 $ 80,000
Jasper County Texas 3 $ 80,000 $ 26,000 $ 146,000
Lampasas County Texas 3 $ 77,000 $ 25,000 $ 56,000
Limestone County Texas 3 $ 111,000 $ 37,000 $ 137,000
Refugio County Texas 3 $ 167,000 $ 55,000 $ 72,000
Wood County Texas 3 $ 78,000 $ 26,000 $ 127,000
Zapata County Texas 3 $ 289,000 $ 96,000 $ 87,000
Blaine County Oklahoma 2 $ 90,000 $ 45,000 $ 84,000
Marshall County Oklahoma 2 $ 208,000 $ 104,000 $ 137,000
Blanco County Texas 2 $ 75,000 $ 37,000 $ 137,000
Fayette County Texas 2 $ 31,000 $ 15,000 $ 102,000
Frio County Texas 2 $ 105,000 $ 52,000 $ 50,000
Gillespie County Texas 2 $ 59,000 $ 29,000 $ 82,000
Midland County Texas 2 $ 56,000 $ 28,000 $ 75,000
Polk County Texas 2 $ 60,000 $ 30,000 $ 145,000
Potter County Texas 2 $ 49,000 $ 24,000 $ 74,000
Randall County Texas 2 $ 53,000 $ 26,000 $ 60,000
Somervell County Texas 2 $ 64,000 $ 32,000 $ 81,000
Walker County Texas 2 $ 60,000 $ 30,000 $ 83,000
Wharton County Texas 2 $ 59,000 $ 29,000 $ 79,000
Walton County Florida 1 $ 340,000 $ 340,000 $ 0
St. Joseph County Indiana 1 $ 86,000 $ 86,000 $ 95,000
Cherokee County Kansas 1 $ 9,000 $ 9,000 $ 14,000
Waldo County Maine 1 $ 450,000 $ 450,000 $ 399,000
Cherokee County Oklahoma 1 $ 28,000 $ 28,000 $ 41,000
Garfield County Oklahoma 1 $ 40,000 $ 40,000 $ 137,000
Hughes County Oklahoma 1 $ 15,000 $ 15,000 $ 30,000
Okmulgee County Oklahoma 1 $ 20,000 $ 20,000 $ 18,000
Seminole County Oklahoma 1 $ 3,000 $ 3,000 $ 66,000
Sequoyah County Oklahoma 1 $ 75,000 $ 75,000 $ 33,000
Andrews County Texas 1 $ 26,000 $ 26,000 $ 54,000
Archer County Texas 1 $ 35,000 $ 35,000 $ 127,000
Bee County Texas 1 $ 60,000 $ 60,000 $ 73,000
Brown County Texas 1 $ 11,000 $ 11,000 $ 94,000
Camp County Texas 1 $ 20,000 $ 20,000 $ 146,000
Colorado County Texas 1 $ 27,000 $ 27,000 $ 120,000
Dimmit County Texas 1 $ 63,000 $ 63,000 $ 65,000
Fannin County Texas 1 $ 14,000 $ 14,000 $ 202,000
Freestone County Texas 1 $ 31,000 $ 31,000 $ 52,000
Goliad County Texas 1 $ 44,000 $ 44,000 $ 122,000
Gonzales County Texas 1 $ 112,000 $ 112,000 $ 55,000
Grimes County Texas 1 $ 30,000 $ 30,000 $ 85,000
Harrison County Texas 1 $ 29,000 $ 29,000 $ 54,000
Houston County Texas 1 $ 25,000 $ 25,000 $ 216,000
Jack County Texas 1 $ 41,000 $ 41,000 $ 98,000
Jackson County Texas 1 $ 100,000 $ 100,000 $ 43,000
Kleberg County Texas 1 $ 43,000 $ 43,000 $ 30,000
Lavaca County Texas 1 $ 40,000 $ 40,000 $ 38,000
Live Oak County Texas 1 $ 35,000 $ 35,000 $ 89,000
Madison County Texas 1 $ 39,000 $ 39,000 $ 227,000
Milam County Texas 1 $ 29,000 $ 29,000 $ 76,000
Mills County Texas 1 $ 20,000 $ 20,000 $ 63,000
Navarro County Texas 1 $ 38,000 $ 38,000 $ 249,000
Orange County Texas 1 $ 32,000 $ 32,000 $ 67,000
Real County Texas 1 $ 55,000 $ 55,000 $ 0
Rusk County Texas 1 $ 80,000 $ 80,000 $ 36,000
Sabine County Texas 1 $ 20,000 $ 20,000 $ 79,000
San Jacinto County Texas 1 $ 10,000 $ 10,000 $ 41,000
Scurry County Texas 1 $ 12,000 $ 12,000 $ 77,000
Sutton County Texas 1 $ 13,000 $ 13,000 $ 53,000
Taylor County Texas 1 $ 20,000 $ 20,000 $ 88,000
Titus County Texas 1 $ 22,000 $ 22,000 $ 50,000
Tyler County Texas 1 $ 49,000 $ 49,000 $ 80,000
Upshur County Texas 1 $ 20,000 $ 20,000 $ 38,000
Uvalde County Texas 1 $ 25,000 $ 25,000 $ 119,000
Van Zandt County Texas 1 $ 59,000 $ 59,000 $ 77,000
Wichita County Texas 1 $ 26,000 $ 26,000 $ 63,000
Wilbarger County Texas 1 $ 41,000 $ 41,000 $ 134,000
Willacy County Texas 1 $ 15,000 $ 15,000 $ 81,000
Young County Texas 1 $ 20,000 $ 20,000 $ 49,000

Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2005

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 6,939 $337,034,000 $202,200 $13,750,000 $128,000 $7,000,000
Refinancing 1,220 $85,030,000 $72,666 $1,125,000 $81,666 $975,000
Home Improvement 847 $27,863,000 $27,666 $170,000 $59,666 $589,000

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 6,111 $258,008,000 $128,400 $1,125,000 $133,600 $7,000,000
Hispanic 1,628 $112,865,000 $60,000 $1,070,000 $61,333 $1,151,000
Asian 494 $18,039,000 $53,333 $402,000 $79,333 $749,000
Black or African American 353 $12,910,000 $35,000 $280,000 $73,500 $525,000
Not applicable 270 $38,420,000 $182,666 $13,750,000 $14,333 $264,000
American Indian or Alaskan Native 64 $3,001,000 $63,000 $209,000 $58,666 $277,000
Not Provided 55 $5,690,000 $115,000 $1,000,000 $82,000 $816,000
Native Hawaiian or Other Pacific Islander 31 $994,000 $40,000 $120,000 $92,500 $603,000

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) 9,004 $449,756,000 $155,000 $13,750,000 $104,000 $7,000,000
FHA-insured (Federal Housing Administration) 2 $171,000 $85,000 $96,000 $27,000 $35,000
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 5,541 $270,670,000 $145,333 $13,750,000 $59,000 $7,000,000
Application Denied By Financial Institution 1,626 $72,719,000 $44,500 $1,000,000 $63,250 $1,200,000
Application Approved But Not Accepted 1,103 $54,844,000 $45,000 $687,000 $74,500 $823,000
Loan Purchased By The Institution 411 $33,154,000 $73,500 $163,000 $40,500 $480,000
Application Withdrawn By Applicant 282 $14,347,000 $181,333 $650,000 $189,666 $749,000
File Closed For Incompleteness 22 $1,968,000 $88,500 $296,000 $205,500 $2,756,000
Preapproval Denied by Financial Institution 20 $2,121,000 $106,000 $361,000 $60,000 $187,000
Preapproval Approved but not Accepted 1 $104,000 $104,000 $104,000 $49,000 $49,000

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 International Bank Of Commerce's 2005 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 International Bank Of Commerce'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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