International Bank of Commerce Mortgage Lending & HMDA Data, 2007

In 2007, International Bank of Commerce of Laredo, TX reported 10,042 mortgage applications totaling $567.5 million, up 12% from 2006. The average application was for $56,511, and applicants reported an average income of $105,506. 54% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (2,946), Dallas-Plano-Irving, TX (1,536) and Austin-Round Rock, TX (1,532) (applications in parentheses).

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
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Total Number of Mortgage Applications 10,042
Total Mortgage Loan Application Amount $567,486,000
Average Mortgage Loan Application Amount $56,511
Highest Mortgage Loan Application Amount $10,400,000
Average Applicant Income $105,506
Highest Applicant Income $3,411,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records International Bank of Commerce filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for International Bank of Commerce by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Harris, Texas 1,689 $ 76,798,000 $ 45,469 $ 110,000
Travis, Texas 981 $ 61,839,000 $ 63,036 $ 122,000
Bexar, Texas 692 $ 43,582,000 $ 62,979 $ 112,000
Fort Bend, Texas 561 $ 23,514,000 $ 41,914 $ 115,000
Hidalgo, Texas 537 $ 50,761,000 $ 94,527 $ 75,000
Dallas, Texas 533 $ 23,808,000 $ 44,667 $ 138,000
Tarrant, Texas 464 $ 17,781,000 $ 38,321 $ 110,000
Collin, Texas 451 $ 18,352,000 $ 40,691 $ 120,000
Williamson, Texas 432 $ 18,686,000 $ 43,254 $ 105,000
Denton, Texas 427 $ 17,500,000 $ 40,983 $ 118,000
Montgomery, Texas 357 $ 15,744,000 $ 44,100 $ 131,000
Webb, Texas 357 $ 33,645,000 $ 94,243 $ 65,000
Cameron, Texas 220 $ 19,649,000 $ 89,313 $ 71,000
Galveston, Texas 163 $ 7,326,000 $ 44,944 $ 110,000
Oklahoma, Oklahoma 148 $ 9,608,000 $ 64,918 $ 67,000
Brazoria, Texas 144 $ 5,523,000 $ 38,354 $ 125,000
Stephens, Oklahoma 135 $ 7,442,000 $ 55,125 $ 72,000
Tulsa, Oklahoma 118 $ 10,471,000 $ 88,737 $ 77,000
Hays, Texas 95 $ 5,258,000 $ 55,347 $ 106,000
Nueces, Texas 77 $ 5,301,000 $ 68,844 $ 105,000
Comanche, Oklahoma 59 $ 2,679,000 $ 45,406 $ 48,000
Rockwall, Texas 55 $ 2,852,000 $ 51,854 $ 129,000
Guadalupe, Texas 53 $ 2,763,000 $ 52,132 $ 86,000
Comal, Texas 48 $ 2,709,000 $ 56,437 $ 126,000
Maverick, Texas 45 $ 3,507,000 $ 77,933 $ 59,000
Starr, Texas 41 $ 3,205,000 $ 78,170 $ 43,000
Kaufman, Texas 36 $ 1,109,000 $ 30,805 $ 119,000
Rogers, Oklahoma 35 $ 1,845,000 $ 52,714 $ 60,000
Garvin, Oklahoma 34 $ 1,451,000 $ 42,676 $ 53,000
Ottawa, Oklahoma 34 $ 1,171,000 $ 34,441 $ 48,000
Cleveland, Oklahoma 33 $ 1,847,000 $ 55,969 $ 74,000
Ellis, Texas 33 $ 1,047,000 $ 31,727 $ 90,000
Matagorda, Texas 32 $ 2,126,000 $ 66,437 $ 86,000
Logan, Oklahoma 30 $ 779,000 $ 25,966 $ 47,000
Johnson, Texas 28 $ 1,029,000 $ 36,750 $ 100,000
El Paso, Texas 26 $ 1,188,000 $ 45,692 $ 102,000
Creek, Oklahoma 25 $ 1,194,000 $ 47,760 $ 46,000
Calhoun, Texas 25 $ 1,727,000 $ 69,080 $ 80,000
Bell, Texas 24 $ 1,029,000 $ 42,875 $ 128,000
Parker, Texas 22 $ 1,016,000 $ 46,181 $ 124,000
Brazos, Texas 20 $ 908,000 $ 45,400 $ 117,000
McLennan, Texas 20 $ 484,000 $ 24,200 $ 89,000
Lincoln, Oklahoma 19 $ 1,177,000 $ 61,947 $ 51,000
Victoria, Texas 19 $ 1,278,000 $ 67,263 $ 101,000
Zapata, Texas 19 $ 2,163,000 $ 113,842 $ 59,000
Canadian, Oklahoma 17 $ 703,000 $ 41,352 $ 56,000
San Patricio, Texas 17 $ 1,210,000 $ 71,176 $ 108,000
Murray, Oklahoma 16 $ 496,000 $ 31,000 $ 65,000
Bastrop, Texas 16 $ 584,000 $ 36,500 $ 106,000
Kendall, Texas 16 $ 1,214,000 $ 75,875 $ 202,000
Kleberg, Texas 16 $ 1,362,000 $ 85,125 $ 54,000
Burnet, Texas 15 $ 1,194,000 $ 79,600 $ 96,000
Smith, Texas 15 $ 544,000 $ 36,266 $ 88,000
Custer, Oklahoma 14 $ 475,000 $ 33,928 $ 53,000
Wilson, Texas 13 $ 484,000 $ 37,230 $ 95,000
Carter, Oklahoma 12 $ 462,000 $ 38,500 $ 47,000
Delaware, Oklahoma 12 $ 857,000 $ 71,416 $ 52,000
Blanco, Texas 12 $ 420,000 $ 35,000 $ 100,000
Chambers, Texas 12 $ 488,000 $ 40,666 $ 91,000
Jefferson, Texas 11 $ 386,000 $ 35,090 $ 107,000
McClain, Oklahoma 10 $ 447,000 $ 44,700 $ 62,000
Wagoner, Oklahoma 10 $ 1,795,000 $ 179,500 $ 81,000
Medina, Texas 10 $ 666,000 $ 66,600 $ 63,000
Beckham, Oklahoma 9 $ 273,000 $ 30,333 $ 51,000
Grady, Oklahoma 9 $ 365,000 $ 40,555 $ 57,000
Aransas, Texas 9 $ 1,545,000 $ 171,666 $ 142,000
Grayson, Texas 9 $ 358,000 $ 39,777 $ 124,000
Jim Hogg, Texas 9 $ 748,000 $ 83,111 $ 66,000
Love, Oklahoma 8 $ 288,000 $ 36,000 $ 58,000
Muskogee, Oklahoma 8 $ 231,000 $ 28,875 $ 48,000
Bee, Texas 8 $ 955,000 $ 119,375 $ 65,000
Caldwell, Texas 8 $ 548,000 $ 68,500 $ 72,000
Henderson, Texas 8 $ 250,000 $ 31,250 $ 189,000
Llano, Texas 8 $ 1,229,000 $ 153,625 $ 290,000
Pottawatomie, Oklahoma 7 $ 140,000 $ 20,000 $ 41,000
Jim Wells, Texas 7 $ 524,000 $ 74,857 $ 87,000
Kerr, Texas 7 $ 263,000 $ 37,571 $ 105,000
Liberty, Texas 7 $ 180,000 $ 25,714 $ 92,000
Lubbock, Texas 7 $ 223,000 $ 31,857 $ 108,000
Randall, Texas 7 $ 245,000 $ 35,000 $ 69,000
Uvalde, Texas 7 $ 269,000 $ 38,428 $ 63,000
Wise, Texas 7 $ 197,000 $ 28,142 $ 117,000
Osage, Oklahoma 6 $ 501,000 $ 83,500 $ 55,000
Austin, Texas 6 $ 223,000 $ 37,166 $ 73,000
Colorado, Texas 5 $ 188,000 $ 37,600 $ 138,000
Hood, Texas 5 $ 207,000 $ 41,400 $ 114,000
Midland, Texas 5 $ 307,000 $ 61,400 $ 126,000
Val Verde, Texas 5 $ 509,000 $ 101,800 $ 49,000
Walker, Texas 5 $ 123,000 $ 24,600 $ 66,000
Erath, Texas 4 $ 97,000 $ 24,250 $ 74,000
Hardin, Texas 4 $ 121,000 $ 30,250 $ 81,000
San Jacinto, Texas 4 $ 86,000 $ 21,500 $ 103,000
Cherokee, Oklahoma 3 $ 307,000 $ 102,333 $ 61,000
Jefferson, Oklahoma 3 $ 60,000 $ 20,000 $ 58,000
Pawnee, Oklahoma 3 $ 406,000 $ 135,333 $ 85,000
Payne, Oklahoma 3 $ 337,000 $ 112,333 $ 92,000
Bandera, Texas 3 $ 128,000 $ 42,666 $ 340,000
Cooke, Texas 3 $ 107,000 $ 35,666 $ 112,000
Duval, Texas 3 $ 438,000 $ 146,000 $ 95,000
Grimes, Texas 3 $ 114,000 $ 38,000 $ 74,000
Harrison, Texas 3 $ 126,000 $ 42,000 $ 78,000
Hill, Texas 3 $ 212,000 $ 70,666 $ 218,000
Van Zandt, Texas 3 $ 80,000 $ 26,666 $ 104,000
Waller, Texas 3 $ 112,000 $ 37,333 $ 114,000
Washington, Texas 3 $ 187,000 $ 62,333 $ 239,000
Wharton, Texas 3 $ 51,000 $ 17,000 $ 50,000
Wood, Texas 3 $ 73,000 $ 24,333 $ 143,000
Caddo, Oklahoma 2 $ 89,000 $ 44,500 $ 63,000
Craig, Oklahoma 2 $ 65,000 $ 32,500 $ 26,000
Marshall, Oklahoma 2 $ 214,000 $ 107,000 $ 139,000
Washita, Oklahoma 2 $ 95,000 $ 47,500 $ 32,000
Angelina, Texas 2 $ 92,000 $ 46,000 $ 165,000
Burleson, Texas 2 $ 67,000 $ 33,500 $ 118,000
Coryell, Texas 2 $ 53,000 $ 26,500 $ 82,000
Gillespie, Texas 2 $ 52,000 $ 26,000 $ 352,000
Hopkins, Texas 2 $ 43,000 $ 21,500 $ 57,000
Jasper, Texas 2 $ 38,000 $ 19,000 $ 81,000
Kinney, Texas 2 $ 220,000 $ 110,000 $ 93,000
Lampasas, Texas 2 $ 31,000 $ 15,500 $ 145,000
Live Oak, Texas 2 $ 72,000 $ 36,000 $ 58,000
Milam, Texas 2 $ 39,000 $ 19,500 $ 60,000
Nacogdoches, Texas 2 $ 86,000 $ 43,000 $ 125,000
Navarro, Texas 2 $ 49,000 $ 24,500 $ 71,000
Orange, Texas 2 $ 31,000 $ 15,500 $ 200,000
Tom Green, Texas 2 $ 34,000 $ 17,000 $ 65,000
Willacy, Texas 2 $ 31,000 $ 15,500 $ 129,000
Boulder, Colorado 1 $ 496,000 $ 496,000 $ 143,000
Pitkin, Colorado 1 $ 2,541,000 $ 2,541,000 $ 1,493,000
Sedgwick, Kansas 1 $ 10,400,000 $ 10,400,000 $ 0
Garfield, Oklahoma 1 $ 132,000 $ 132,000 $ 100,000
Jackson, Oklahoma 1 $ 115,000 $ 115,000 $ 98,000
Johnston, Oklahoma 1 $ 44,000 $ 44,000 $ 25,000
Nowata, Oklahoma 1 $ 53,000 $ 53,000 $ 57,000
Okmulgee, Oklahoma 1 $ 42,000 $ 42,000 $ 129,000
Roger Mills, Oklahoma 1 $ 61,000 $ 61,000 $ 29,000
Tillman, Oklahoma 1 $ 9,000 $ 9,000 $ 23,000
Andrews, Texas 1 $ 45,000 $ 45,000 $ 101,000
Brown, Texas 1 $ 11,000 $ 11,000 $ 74,000
Castro, Texas 1 $ 28,000 $ 28,000 $ 55,000
Cherokee, Texas 1 $ 31,000 $ 31,000 $ 96,000
Dimmit, Texas 1 $ 90,000 $ 90,000 $ 80,000
Eastland, Texas 1 $ 37,000 $ 37,000 $ 108,000
Ector, Texas 1 $ 42,000 $ 42,000 $ 49,000
Falls, Texas 1 $ 45,000 $ 45,000 $ 17,000
Fannin, Texas 1 $ 24,000 $ 24,000 $ 68,000
Fayette, Texas 1 $ 150,000 $ 150,000 $ 402,000
Fisher, Texas 1 $ 12,000 $ 12,000 $ 51,000
Freestone, Texas 1 $ 65,000 $ 65,000 $ 931,000
Goliad, Texas 1 $ 356,000 $ 356,000 $ 140,000
Gonzales, Texas 1 $ 21,000 $ 21,000 $ 80,000
Gregg, Texas 1 $ 27,000 $ 27,000 $ 78,000
Hunt, Texas 1 $ 17,000 $ 17,000 $ 91,000
Jack, Texas 1 $ 25,000 $ 25,000 $ 86,000
Jackson, Texas 1 $ 56,000 $ 56,000 $ 124,000
La Salle, Texas 1 $ 45,000 $ 45,000 $ 35,000
Lamar, Texas 1 $ 33,000 $ 33,000 $ 133,000
Leon, Texas 1 $ 24,000 $ 24,000 $ 101,000
Limestone, Texas 1 $ 32,000 $ 32,000 $ 125,000
Montague, Texas 1 $ 47,000 $ 47,000 $ 134,000
Palo Pinto, Texas 1 $ 55,000 $ 55,000 $ 960,000
Panola, Texas 1 $ 13,000 $ 13,000 $ 68,000
Polk, Texas 1 $ 36,000 $ 36,000 $ 180,000
Rains, Texas 1 $ 11,000 $ 11,000 $ 75,000
Reagan, Texas 1 $ 12,000 $ 12,000 $ 90,000
Real, Texas 1 $ 18,000 $ 18,000 $ 139,000
Refugio, Texas 1 $ 93,000 $ 93,000 $ 81,000
Rusk, Texas 1 $ 35,000 $ 35,000 $ 60,000
Somervell, Texas 1 $ 66,000 $ 66,000 $ 450,000
Trinity, Texas 1 $ 10,000 $ 10,000 $ 48,000
Tyler, Texas 1 $ 15,000 $ 15,000 $ 120,000
Upshur, Texas 1 $ 26,000 $ 26,000 $ 158,000
Wichita, Texas 1 $ 25,000 $ 25,000 $ 52,000

Mortgage Loan Application Detail Totals for International Bank of Commerce in 2007

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 8,154 $446,549,000 $54,000 $10,400,000 $111,000 $3,411,000
Refinancing 1,275 $98,650,000 $77,000 $2,541,000 $86,000 $1,493,000
Home Improvement 613 $22,287,000 $36,000 $207,000 $73,000 $778,000

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 5,986 $303,328,000 $50,000 $2,541,000 $117,000 $3,411,000
Hispanic 2,256 $160,818,000 $71,000 $594,000 $77,000 $1,258,000
Asian 779 $31,764,000 $40,000 $395,000 $106,000 $525,000
Not Provided 515 $24,983,000 $48,000 $540,000 $113,000 $1,735,000
Black or African American 401 $18,761,000 $46,000 $335,000 $102,000 $455,000
American Indian or Alaskan Native 52 $2,412,000 $46,000 $276,000 $60,000 $164,000
Not applicable 34 $24,757,000 $728,000 $10,400,000 $0 $0
Native Hawaiian or Other Pacific Islander 19 $663,000 $34,000 $60,000 $94,000 $330,000

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) 9,999 $563,605,000 $56,000 $10,400,000 $106,000 $3,411,000
FHA-insured (Federal Housing Administration) 43 $3,881,000 $90,000 $179,000 $53,000 $100,000
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 5,373 $292,710,000 $54,000 $10,400,000 $111,000 $1,735,000
Application Denied By Financial Institution 2,338 $122,249,000 $52,000 $704,000 $98,000 $1,365,000
Application Approved But Not Accepted 1,771 $98,154,000 $55,000 $952,000 $114,000 $3,411,000
Loan Purchased By The Institution 383 $33,456,000 $87,000 $204,000 $46,000 $383,000
Application Withdrawn By Applicant 93 $12,301,000 $132,000 $2,541,000 $91,000 $1,493,000
Preapproval Denied by Financial Institution 71 $7,443,000 $104,000 $343,000 $56,000 $638,000
File Closed For Incompleteness 9 $691,000 $76,000 $172,000 $49,000 $126,000
Preapproval Approved but not Accepted 4 $482,000 $120,000 $280,000 $83,000 $185,000

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 2007 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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