International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
International Bank Of Commerce 2006 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 | 8,934 |
| Total Mortgage Loan Application Amount | $460,836,000 |
| Average Mortgage Loan Application Amount | $55,333 |
| Highest Mortgage Loan Application Amount | $5,159,000 |
| Average Applicant Income | $87,666 |
| Highest Applicant Income | $5,303,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 1,675 | $ 65,528,000 | $ 39,000 | $ 97,000 |
| Travis County Texas | 719 | $ 41,493,000 | $ 57,000 | $ 120,000 |
| Bexar County Texas | 667 | $ 36,444,000 | $ 54,000 | $ 96,000 |
| Hidalgo County Texas | 472 | $ 47,765,000 | $ 101,000 | $ 68,000 |
| Fort Bend County Texas | 461 | $ 18,867,000 | $ 40,000 | $ 100,000 |
| Dallas County Texas | 392 | $ 14,237,000 | $ 36,000 | $ 107,000 |
| Tarrant County Texas | 373 | $ 14,260,000 | $ 38,000 | $ 97,000 |
| Williamson County Texas | 367 | $ 14,924,000 | $ 40,000 | $ 99,000 |
| Webb County Texas | 365 | $ 39,045,000 | $ 106,000 | $ 96,000 |
| Collin County Texas | 358 | $ 12,771,000 | $ 35,000 | $ 107,000 |
| Denton County Texas | 329 | $ 12,639,000 | $ 38,000 | $ 109,000 |
| Montgomery County Texas | 260 | $ 10,527,000 | $ 40,000 | $ 110,000 |
| Galveston County Texas | 190 | $ 12,837,000 | $ 67,000 | $ 151,000 |
| Brazoria County Texas | 186 | $ 7,238,000 | $ 38,000 | $ 96,000 |
| Oklahoma County Oklahoma | 171 | $ 10,052,000 | $ 58,000 | $ 76,000 |
| Cameron County Texas | 163 | $ 12,981,000 | $ 79,000 | $ 61,000 |
| Stephens County Oklahoma | 150 | $ 7,736,000 | $ 51,000 | $ 75,000 |
| Hays County Texas | 91 | $ 3,830,000 | $ 42,000 | $ 97,000 |
| Tulsa County Oklahoma | 88 | $ 3,333,000 | $ 37,000 | $ 43,000 |
| Nueces County Texas | 86 | $ 4,508,000 | $ 52,000 | $ 99,000 |
| Comanche County Oklahoma | 59 | $ 2,227,000 | $ 37,000 | $ 63,000 |
| El Paso County Texas | 56 | $ 2,315,000 | $ 41,000 | $ 106,000 |
| Ottawa County Oklahoma | 51 | $ 2,641,000 | $ 51,000 | $ 53,000 |
| Cleveland County Oklahoma | 46 | $ 1,523,000 | $ 33,000 | $ 47,000 |
| Guadalupe County Texas | 45 | $ 3,349,000 | $ 74,000 | $ 122,000 |
| Ellis County Texas | 44 | $ 1,333,000 | $ 30,000 | $ 84,000 |
| Rockwall County Texas | 41 | $ 1,721,000 | $ 41,000 | $ 114,000 |
| Maverick County Texas | 39 | $ 2,569,000 | $ 65,000 | $ 50,000 |
| Starr County Texas | 39 | $ 3,558,000 | $ 91,000 | $ 48,000 |
| Comal County Texas | 34 | $ 1,711,000 | $ 50,000 | $ 113,000 |
| Rogers County Oklahoma | 31 | $ 1,106,000 | $ 35,000 | $ 54,000 |
| Canadian County Oklahoma | 30 | $ 1,474,000 | $ 49,000 | $ 73,000 |
| Logan County Oklahoma | 29 | $ 948,000 | $ 32,000 | $ 41,000 |
| Bastrop County Texas | 26 | $ 884,000 | $ 34,000 | $ 86,000 |
| Brazos County Texas | 25 | $ 1,029,000 | $ 41,000 | $ 88,000 |
| Kaufman County Texas | 24 | $ 670,000 | $ 27,000 | $ 83,000 |
| Bell County Texas | 23 | $ 785,000 | $ 34,000 | $ 104,000 |
| Parker County Texas | 23 | $ 751,000 | $ 32,000 | $ 97,000 |
| Calhoun County Texas | 22 | $ 1,270,000 | $ 57,000 | $ 87,000 |
| Victoria County Texas | 22 | $ 1,831,000 | $ 83,000 | $ 565,000 |
| Lincoln County Oklahoma | 20 | $ 969,000 | $ 48,000 | $ 46,000 |
| Garvin County Oklahoma | 19 | $ 490,000 | $ 25,000 | $ 55,000 |
| Johnson County Texas | 19 | $ 547,000 | $ 28,000 | $ 85,000 |
| Custer County Oklahoma | 17 | $ 544,000 | $ 32,000 | $ 49,000 |
| Kendall County Texas | 17 | $ 1,184,000 | $ 69,000 | $ 260,000 |
| Matagorda County Texas | 17 | $ 871,000 | $ 51,000 | $ 46,000 |
| McLennan County Texas | 17 | $ 477,000 | $ 28,000 | $ 72,000 |
| Carter County Oklahoma | 16 | $ 645,000 | $ 40,000 | $ 45,000 |
| Murray County Oklahoma | 16 | $ 422,000 | $ 26,000 | $ 38,000 |
| San Patricio County Texas | 16 | $ 768,000 | $ 48,000 | $ 81,000 |
| Grady County Oklahoma | 15 | $ 1,125,000 | $ 75,000 | $ 52,000 |
| Caldwell County Texas | 15 | $ 626,000 | $ 41,000 | $ 103,000 |
| Beckham County Oklahoma | 14 | $ 515,000 | $ 36,000 | $ 45,000 |
| Delaware County Oklahoma | 14 | $ 1,037,000 | $ 74,000 | $ 83,000 |
| Aransas County Texas | 14 | $ 2,497,000 | $ 178,000 | $ 89,000 |
| Burnet County Texas | 12 | $ 375,000 | $ 31,000 | $ 101,000 |
| Jim Wells County Texas | 12 | $ 904,000 | $ 75,000 | $ 71,000 |
| Chambers County Texas | 11 | $ 289,000 | $ 26,000 | $ 75,000 |
| Smith County Texas | 11 | $ 262,000 | $ 23,000 | $ 115,000 |
| Wise County Texas | 9 | $ 262,000 | $ 29,000 | $ 67,000 |
| Creek County Oklahoma | 8 | $ 552,000 | $ 69,000 | $ 79,000 |
| McClain County Oklahoma | 8 | $ 192,000 | $ 24,000 | $ 70,000 |
| Grayson County Texas | 8 | $ 294,000 | $ 36,000 | $ 118,000 |
| Llano County Texas | 8 | $ 1,111,000 | $ 138,000 | $ 260,000 |
| Pottawatomie County Oklahoma | 7 | $ 324,000 | $ 46,000 | $ 45,000 |
| Erath County Texas | 7 | $ 168,000 | $ 24,000 | $ 58,000 |
| Hunt County Texas | 7 | $ 161,000 | $ 23,000 | $ 82,000 |
| Kerr County Texas | 7 | $ 216,000 | $ 30,000 | $ 91,000 |
| Wagoner County Oklahoma | 6 | $ 151,000 | $ 25,000 | $ 55,000 |
| Cooke County Texas | 6 | $ 196,000 | $ 32,000 | $ 110,000 |
| Hood County Texas | 6 | $ 293,000 | $ 48,000 | $ 259,000 |
| Liberty County Texas | 6 | $ 221,000 | $ 36,000 | $ 118,000 |
| Medina County Texas | 6 | $ 375,000 | $ 62,000 | $ 56,000 |
| Love County Oklahoma | 5 | $ 278,000 | $ 55,000 | $ 63,000 |
| Muskogee County Oklahoma | 5 | $ 86,000 | $ 17,000 | $ 33,000 |
| Osage County Oklahoma | 5 | $ 189,000 | $ 37,000 | $ 56,000 |
| Kleberg County Texas | 5 | $ 574,000 | $ 114,000 | $ 90,000 |
| Lubbock County Texas | 5 | $ 152,000 | $ 30,000 | $ 83,000 |
| Uvalde County Texas | 5 | $ 1,188,000 | $ 237,000 | $ 63,000 |
| Val Verde County Texas | 5 | $ 308,000 | $ 61,000 | $ 80,000 |
| Walker County Texas | 5 | $ 94,000 | $ 18,000 | $ 58,000 |
| Waller County Texas | 5 | $ 210,000 | $ 42,000 | $ 94,000 |
| Wilson County Texas | 5 | $ 285,000 | $ 57,000 | $ 112,000 |
| Zapata County Texas | 5 | $ 507,000 | $ 101,000 | $ 60,000 |
| Jefferson County Oklahoma | 4 | $ 53,000 | $ 13,000 | $ 66,000 |
| Washita County Oklahoma | 4 | $ 63,000 | $ 15,000 | $ 70,000 |
| Atascosa County Texas | 4 | $ 129,000 | $ 32,000 | $ 87,000 |
| Hardin County Texas | 4 | $ 115,000 | $ 28,000 | $ 98,000 |
| Lampasas County Texas | 4 | $ 89,000 | $ 22,000 | $ 54,000 |
| Randall County Texas | 4 | $ 124,000 | $ 31,000 | $ 84,000 |
| Mayes County Oklahoma | 3 | $ 106,000 | $ 35,000 | $ 42,000 |
| Austin County Texas | 3 | $ 69,000 | $ 23,000 | $ 90,000 |
| Bandera County Texas | 3 | $ 138,000 | $ 46,000 | $ 105,000 |
| Colorado County Texas | 3 | $ 118,000 | $ 39,000 | $ 117,000 |
| Coryell County Texas | 3 | $ 200,000 | $ 66,000 | $ 41,000 |
| Duval County Texas | 3 | $ 71,000 | $ 23,000 | $ 28,000 |
| Fayette County Texas | 3 | $ 72,000 | $ 24,000 | $ 58,000 |
| Goliad County Texas | 3 | $ 365,000 | $ 121,000 | $ 48,000 |
| Harrison County Texas | 3 | $ 90,000 | $ 30,000 | $ 90,000 |
| Jim Hogg County Texas | 3 | $ 271,000 | $ 90,000 | $ 52,000 |
| Orange County Texas | 3 | $ 107,000 | $ 35,000 | $ 85,000 |
| Polk County Texas | 3 | $ 51,000 | $ 17,000 | $ 154,000 |
| Washington County Texas | 3 | $ 113,000 | $ 37,000 | $ 96,000 |
| Caddo County Oklahoma | 2 | $ 105,000 | $ 52,000 | $ 58,000 |
| Kiowa County Oklahoma | 2 | $ 174,000 | $ 87,000 | $ 78,000 |
| Okmulgee County Oklahoma | 2 | $ 25,000 | $ 12,000 | $ 53,000 |
| Pontotoc County Oklahoma | 2 | $ 101,000 | $ 50,000 | $ 46,000 |
| Seminole County Oklahoma | 2 | $ 121,000 | $ 60,000 | $ 63,000 |
| Blanco County Texas | 2 | $ 157,000 | $ 78,000 | $ 104,000 |
| Comanche County Texas | 2 | $ 54,000 | $ 27,000 | $ 121,000 |
| Fannin County Texas | 2 | $ 40,000 | $ 20,000 | $ 124,000 |
| Gregg County Texas | 2 | $ 58,000 | $ 29,000 | $ 58,000 |
| Hill County Texas | 2 | $ 190,000 | $ 95,000 | $ 150,000 |
| Jefferson County Texas | 2 | $ 40,000 | $ 20,000 | $ 73,000 |
| Midland County Texas | 2 | $ 63,000 | $ 31,000 | $ 165,000 |
| Rains County Texas | 2 | $ 30,000 | $ 15,000 | $ 121,000 |
| Real County Texas | 2 | $ 63,000 | $ 31,000 | $ 21,000 |
| Taylor County Texas | 2 | $ 47,000 | $ 23,000 | $ 84,000 |
| Van Zandt County Texas | 2 | $ 39,000 | $ 19,000 | $ 81,000 |
| Wharton County Texas | 2 | $ 81,000 | $ 40,000 | $ 61,000 |
| Wichita County Texas | 2 | $ 42,000 | $ 21,000 | $ 64,000 |
| Wood County Texas | 2 | $ 73,000 | $ 36,000 | $ 68,000 |
| Pima County Arizona | 1 | $ 41,000 | $ 41,000 | $ 139,000 |
| Summit County Colorado | 1 | $ 30,000 | $ 30,000 | $ 97,000 |
| Cotton County Oklahoma | 1 | $ 27,000 | $ 27,000 | $ 48,000 |
| Craig County Oklahoma | 1 | $ 34,000 | $ 34,000 | $ 23,000 |
| McCurtain County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Nowata County Oklahoma | 1 | $ 36,000 | $ 36,000 | $ 51,000 |
| Pawnee County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 87,000 |
| Payne County Oklahoma | 1 | $ 18,000 | $ 18,000 | $ 39,000 |
| Roger Mills County Oklahoma | 1 | $ 37,000 | $ 37,000 | $ 56,000 |
| Tillman County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Washington County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Anderson County Texas | 1 | $ 80,000 | $ 80,000 | $ 122,000 |
| Bee County Texas | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Brewster County Texas | 1 | $ 30,000 | $ 30,000 | $ 105,000 |
| Burleson County Texas | 1 | $ 10,000 | $ 10,000 | $ 135,000 |
| Camp County Texas | 1 | $ 27,000 | $ 27,000 | $ 175,000 |
| Cottle County Texas | 1 | $ 14,000 | $ 14,000 | $ 64,000 |
| DeWitt County Texas | 1 | $ 19,000 | $ 19,000 | $ 58,000 |
| Freestone County Texas | 1 | $ 31,000 | $ 31,000 | $ 570,000 |
| Frio County Texas | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Gillespie County Texas | 1 | $ 27,000 | $ 27,000 | $ 50,000 |
| Gonzales County Texas | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Grimes County Texas | 1 | $ 22,000 | $ 22,000 | $ 122,000 |
| Hartley County Texas | 1 | $ 69,000 | $ 69,000 | $ 210,000 |
| Henderson County Texas | 1 | $ 29,000 | $ 29,000 | $ 180,000 |
| Hopkins County Texas | 1 | $ 14,000 | $ 14,000 | $ 79,000 |
| Jones County Texas | 1 | $ 22,000 | $ 22,000 | $ 205,000 |
| Karnes County Texas | 1 | $ 210,000 | $ 210,000 | $ 97,000 |
| Kinney County Texas | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Limestone County Texas | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
| Live Oak County Texas | 1 | $ 54,000 | $ 54,000 | $ 100,000 |
| Madison County Texas | 1 | $ 23,000 | $ 23,000 | $ 65,000 |
| Mills County Texas | 1 | $ 22,000 | $ 22,000 | $ 240,000 |
| Montague County Texas | 1 | $ 34,000 | $ 34,000 | $ 273,000 |
| Navarro County Texas | 1 | $ 10,000 | $ 10,000 | $ 107,000 |
| Palo Pinto County Texas | 1 | $ 21,000 | $ 21,000 | $ 61,000 |
| Panola County Texas | 1 | $ 36,000 | $ 36,000 | $ 78,000 |
| Potter County Texas | 1 | $ 10,000 | $ 10,000 | $ 66,000 |
| Refugio County Texas | 1 | $ 40,000 | $ 40,000 | $ 45,000 |
| San Jacinto County Texas | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| Stephens County Texas | 1 | $ 36,000 | $ 36,000 | $ 111,000 |
| Titus County Texas | 1 | $ 22,000 | $ 22,000 | $ 79,000 |
| Tom Green County Texas | 1 | $ 12,000 | $ 12,000 | $ 76,000 |
| Zavala County Texas | 1 | $ 21,000 | $ 21,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2006
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 | 7,362 | $361,964,000 | $49,000 | $2,900,000 | $100,000 | $5,303,000 |
| Refinancing | 936 | $75,846,000 | $81,000 | $5,159,000 | $91,000 | $5,300,000 |
| Home Improvement | 636 | $23,026,000 | $36,000 | $705,000 | $72,000 | $5,000,000 |
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 | 5,524 | $245,620,000 | $44,000 | $5,000,000 | $106,000 | $5,303,000 |
| Hispanic | 2,171 | $143,012,000 | $65,000 | $1,340,000 | $79,000 | $4,525,000 |
| Asian | 632 | $23,636,000 | $37,000 | $350,000 | $95,000 | $860,000 |
| Black or African American | 423 | $16,667,000 | $39,000 | $209,000 | $87,000 | $396,000 |
| American Indian or Alaskan Native | 68 | $2,654,000 | $39,000 | $227,000 | $62,000 | $198,000 |
| Not Provided | 49 | $5,451,000 | $111,000 | $500,000 | $60,000 | $363,000 |
| Not applicable | 47 | $23,018,000 | $489,000 | $5,159,000 | $19,000 | $263,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $778,000 | $38,000 | $100,000 | $118,000 | $900,000 |
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) | 8,934 | $460,836,000 | $51,000 | $5,159,000 | $97,000 | $5,303,000 |
| 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 | 4,960 | $257,552,000 | $51,000 | $5,159,000 | $104,000 | $5,303,000 |
| Application Denied By Financial Institution | 1,810 | $78,218,000 | $43,000 | $450,000 | $82,000 | $900,000 |
| Application Approved But Not Accepted | 1,614 | $80,907,000 | $50,000 | $1,340,000 | $101,000 | $964,000 |
| Loan Purchased By The Institution | 270 | $21,920,000 | $81,000 | $160,000 | $40,000 | $204,000 |
| Application Withdrawn By Applicant | 185 | $12,415,000 | $67,000 | $2,000,000 | $113,000 | $1,400,000 |
| Preapproval Denied by Financial Institution | 63 | $6,304,000 | $100,000 | $495,000 | $47,000 | $240,000 |
| File Closed For Incompleteness | 24 | $2,122,000 | $88,000 | $279,000 | $59,000 | $200,000 |
| Preapproval Approved but not Accepted | 8 | $1,398,000 | $174,000 | $300,000 | $90,000 | $165,000 |
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 2006 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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