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.
| 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 |
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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