International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
International Bank Of Commerce 2008 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 | 10,047 |
| Total Mortgage Loan Application Amount | $569,620,000 |
| Average Mortgage Loan Application Amount | $57,000 |
| Highest Mortgage Loan Application Amount | $18,000,000 |
| Average Applicant Income | $105,666 |
| Highest Applicant Income | $5,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 1,605 | $ 73,017,000 | $ 45,000 | $ 131,000 |
| Travis County Texas | 1,299 | $ 61,816,000 | $ 47,000 | $ 133,000 |
| Collin County Texas | 632 | $ 24,550,000 | $ 38,000 | $ 125,000 |
| Dallas County Texas | 631 | $ 25,372,000 | $ 40,000 | $ 138,000 |
| Denton County Texas | 548 | $ 21,530,000 | $ 39,000 | $ 128,000 |
| Fort Bend County Texas | 508 | $ 21,412,000 | $ 42,000 | $ 141,000 |
| Williamson County Texas | 491 | $ 19,201,000 | $ 39,000 | $ 109,000 |
| Hidalgo County Texas | 438 | $ 56,071,000 | $ 128,000 | $ 93,000 |
| Tarrant County Texas | 436 | $ 16,156,000 | $ 37,000 | $ 123,000 |
| Bexar County Texas | 387 | $ 48,407,000 | $ 125,000 | $ 131,000 |
| Webb County Texas | 302 | $ 36,292,000 | $ 120,000 | $ 69,000 |
| Montgomery County Texas | 276 | $ 13,350,000 | $ 48,000 | $ 157,000 |
| Stephens County Oklahoma | 191 | $ 12,708,000 | $ 66,000 | $ 85,000 |
| Cameron County Texas | 186 | $ 18,847,000 | $ 101,000 | $ 84,000 |
| Galveston County Texas | 170 | $ 6,651,000 | $ 39,000 | $ 152,000 |
| Brazoria County Texas | 154 | $ 5,500,000 | $ 35,000 | $ 121,000 |
| Oklahoma County Oklahoma | 133 | $ 7,037,000 | $ 52,000 | $ 57,000 |
| Hays County Texas | 128 | $ 5,498,000 | $ 42,000 | $ 115,000 |
| Tulsa County Oklahoma | 105 | $ 7,119,000 | $ 67,000 | $ 60,000 |
| Rockwall County Texas | 57 | $ 2,015,000 | $ 35,000 | $ 114,000 |
| Maverick County Texas | 56 | $ 4,335,000 | $ 77,000 | $ 56,000 |
| Comal County Texas | 54 | $ 3,409,000 | $ 63,000 | $ 149,000 |
| Nueces County Texas | 51 | $ 7,735,000 | $ 151,000 | $ 111,000 |
| Comanche County Oklahoma | 48 | $ 2,688,000 | $ 56,000 | $ 58,000 |
| Brazos County Texas | 42 | $ 1,689,000 | $ 40,000 | $ 112,000 |
| Calhoun County Texas | 36 | $ 3,154,000 | $ 87,000 | $ 90,000 |
| Ottawa County Oklahoma | 33 | $ 1,597,000 | $ 48,000 | $ 35,000 |
| Matagorda County Texas | 33 | $ 1,542,000 | $ 46,000 | $ 81,000 |
| Lincoln County Oklahoma | 32 | $ 2,189,000 | $ 68,000 | $ 53,000 |
| Rogers County Oklahoma | 32 | $ 1,715,000 | $ 53,000 | $ 63,000 |
| Starr County Texas | 32 | $ 2,924,000 | $ 91,000 | $ 58,000 |
| El Paso County Texas | 30 | $ 1,361,000 | $ 45,000 | $ 165,000 |
| Cleveland County Oklahoma | 29 | $ 2,044,000 | $ 70,000 | $ 322,000 |
| Ellis County Texas | 29 | $ 962,000 | $ 33,000 | $ 115,000 |
| Bell County Texas | 27 | $ 851,000 | $ 31,000 | $ 116,000 |
| Creek County Oklahoma | 26 | $ 1,193,000 | $ 45,000 | $ 56,000 |
| Logan County Oklahoma | 26 | $ 1,029,000 | $ 39,000 | $ 49,000 |
| Garvin County Oklahoma | 24 | $ 1,070,000 | $ 44,000 | $ 59,000 |
| Smith County Texas | 24 | $ 669,000 | $ 27,000 | $ 86,000 |
| Zapata County Texas | 22 | $ 2,922,000 | $ 132,000 | $ 81,000 |
| Kaufman County Texas | 21 | $ 573,000 | $ 27,000 | $ 120,000 |
| Parker County Texas | 20 | $ 716,000 | $ 35,000 | $ 116,000 |
| Burnet County Texas | 19 | $ 1,309,000 | $ 68,000 | $ 101,000 |
| Guadalupe County Texas | 19 | $ 1,255,000 | $ 66,000 | $ 83,000 |
| Victoria County Texas | 19 | $ 2,027,000 | $ 106,000 | $ 1,052,000 |
| Canadian County Oklahoma | 17 | $ 811,000 | $ 47,000 | $ 38,000 |
| McLennan County Texas | 17 | $ 631,000 | $ 37,000 | $ 98,000 |
| Bastrop County Texas | 16 | $ 888,000 | $ 55,000 | $ 107,000 |
| Jefferson County Texas | 15 | $ 595,000 | $ 39,000 | $ 120,000 |
| Custer County Oklahoma | 14 | $ 696,000 | $ 49,000 | $ 51,000 |
| Delaware County Oklahoma | 14 | $ 823,000 | $ 58,000 | $ 99,000 |
| Chambers County Texas | 14 | $ 572,000 | $ 40,000 | $ 148,000 |
| Kendall County Texas | 14 | $ 790,000 | $ 56,000 | $ 113,000 |
| Franklin County Texas | 13 | $ 507,000 | $ 39,000 | $ 311,000 |
| Muskogee County Oklahoma | 12 | $ 440,000 | $ 36,000 | $ 51,000 |
| Pottawatomie County Oklahoma | 11 | $ 560,000 | $ 50,000 | $ 66,000 |
| Jim Wells County Texas | 11 | $ 1,174,000 | $ 106,000 | $ 92,000 |
| Llano County Texas | 11 | $ 1,617,000 | $ 147,000 | $ 288,000 |
| Carter County Oklahoma | 10 | $ 305,000 | $ 30,000 | $ 52,000 |
| Grady County Oklahoma | 10 | $ 701,000 | $ 70,000 | $ 45,000 |
| Grayson County Texas | 10 | $ 453,000 | $ 45,000 | $ 146,000 |
| Henderson County Texas | 10 | $ 407,000 | $ 40,000 | $ 184,000 |
| Johnson County Texas | 10 | $ 340,000 | $ 34,000 | $ 106,000 |
| Wagoner County Oklahoma | 9 | $ 475,000 | $ 52,000 | $ 45,000 |
| Midland County Texas | 9 | $ 313,000 | $ 34,000 | $ 123,000 |
| Uvalde County Texas | 9 | $ 434,000 | $ 48,000 | $ 71,000 |
| Murray County Oklahoma | 8 | $ 497,000 | $ 62,000 | $ 129,000 |
| Harrison County Texas | 8 | $ 282,000 | $ 35,000 | $ 101,000 |
| Washington County Texas | 8 | $ 393,000 | $ 49,000 | $ 109,000 |
| McClain County Oklahoma | 7 | $ 159,000 | $ 22,000 | $ 77,000 |
| Caldwell County Texas | 7 | $ 556,000 | $ 79,000 | $ 76,000 |
| Hunt County Texas | 7 | $ 152,000 | $ 21,000 | $ 95,000 |
| Jim Hogg County Texas | 7 | $ 597,000 | $ 85,000 | $ 85,000 |
| Medina County Texas | 7 | $ 330,000 | $ 47,000 | $ 142,000 |
| Waller County Texas | 7 | $ 286,000 | $ 40,000 | $ 129,000 |
| Aransas County Texas | 6 | $ 1,349,000 | $ 224,000 | $ 381,000 |
| Bee County Texas | 6 | $ 600,000 | $ 100,000 | $ 62,000 |
| Blanco County Texas | 6 | $ 459,000 | $ 76,000 | $ 135,000 |
| Hood County Texas | 6 | $ 330,000 | $ 55,000 | $ 152,000 |
| Kleberg County Texas | 6 | $ 519,000 | $ 86,000 | $ 53,000 |
| Lubbock County Texas | 6 | $ 280,000 | $ 46,000 | $ 119,000 |
| Wilson County Texas | 6 | $ 179,000 | $ 29,000 | $ 99,000 |
| Love County Oklahoma | 5 | $ 271,000 | $ 54,000 | $ 50,000 |
| Osage County Oklahoma | 5 | $ 173,000 | $ 34,000 | $ 45,000 |
| Pawnee County Oklahoma | 5 | $ 352,000 | $ 70,000 | $ 59,000 |
| Erath County Texas | 5 | $ 143,000 | $ 28,000 | $ 101,000 |
| Kerr County Texas | 5 | $ 180,000 | $ 36,000 | $ 110,000 |
| San Jacinto County Texas | 5 | $ 80,000 | $ 16,000 | $ 121,000 |
| San Patricio County Texas | 5 | $ 666,000 | $ 133,000 | $ 92,000 |
| Wise County Texas | 5 | $ 151,000 | $ 30,000 | $ 102,000 |
| Washita County Oklahoma | 4 | $ 115,000 | $ 28,000 | $ 54,000 |
| Austin County Texas | 4 | $ 77,000 | $ 19,000 | $ 53,000 |
| Lee County Texas | 4 | $ 290,000 | $ 72,000 | $ 142,000 |
| Val Verde County Texas | 4 | $ 708,000 | $ 177,000 | $ 42,000 |
| Beckham County Oklahoma | 3 | $ 148,000 | $ 49,000 | $ 83,000 |
| Caddo County Oklahoma | 3 | $ 134,000 | $ 44,000 | $ 40,000 |
| Bandera County Texas | 3 | $ 50,000 | $ 16,000 | $ 123,000 |
| Bosque County Texas | 3 | $ 46,000 | $ 15,000 | $ 111,000 |
| Bowie County Texas | 3 | $ 176,000 | $ 58,000 | $ 127,000 |
| Brooks County Texas | 3 | $ 245,000 | $ 81,000 | $ 61,000 |
| Duval County Texas | 3 | $ 242,000 | $ 80,000 | $ 63,000 |
| Gillespie County Texas | 3 | $ 195,000 | $ 65,000 | $ 144,000 |
| Hardin County Texas | 3 | $ 87,000 | $ 29,000 | $ 124,000 |
| Montague County Texas | 3 | $ 141,000 | $ 47,000 | $ 94,000 |
| Randall County Texas | 3 | $ 97,000 | $ 32,000 | $ 83,000 |
| Walker County Texas | 3 | $ 199,000 | $ 66,000 | $ 109,000 |
| Jackson County Oklahoma | 2 | $ 180,000 | $ 90,000 | $ 91,000 |
| Jefferson County Oklahoma | 2 | $ 25,000 | $ 12,000 | $ 41,000 |
| Payne County Oklahoma | 2 | $ 187,000 | $ 93,000 | $ 81,000 |
| Tillman County Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 127,000 |
| Brewster County Texas | 2 | $ 44,000 | $ 22,000 | $ 96,000 |
| Ector County Texas | 2 | $ 50,000 | $ 25,000 | $ 65,000 |
| Fannin County Texas | 2 | $ 76,000 | $ 38,000 | $ 139,000 |
| Gregg County Texas | 2 | $ 55,000 | $ 27,000 | $ 145,000 |
| Lampasas County Texas | 2 | $ 77,000 | $ 38,000 | $ 110,000 |
| Liberty County Texas | 2 | $ 88,000 | $ 44,000 | $ 58,000 |
| Live Oak County Texas | 2 | $ 372,000 | $ 186,000 | $ 69,000 |
| Milam County Texas | 2 | $ 40,000 | $ 20,000 | $ 74,000 |
| Orange County Texas | 2 | $ 44,000 | $ 22,000 | $ 161,000 |
| Taylor County Texas | 2 | $ 40,000 | $ 20,000 | $ 61,000 |
| Van Zandt County Texas | 2 | $ 51,000 | $ 25,000 | $ 146,000 |
| Willacy County Texas | 2 | $ 123,000 | $ 61,000 | $ 26,000 |
| Carroll County Arkansas | 1 | $ 300,000 | $ 300,000 | $ 509,000 |
| Miami-Dade County Florida | 1 | $ 417,000 | $ 417,000 | $ 48,000 |
| Orleans County Louisiana | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 247,000 | $ 247,000 | $ 45,000 |
| Cherokee County Oklahoma | 1 | $ 154,000 | $ 154,000 | $ 114,000 |
| Cotton County Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Craig County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Garfield County Oklahoma | 1 | $ 12,000 | $ 12,000 | $ 35,000 |
| Johnston County Oklahoma | 1 | $ 43,000 | $ 43,000 | $ 30,000 |
| Marshall County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Noble County Oklahoma | 1 | $ 58,000 | $ 58,000 | $ 47,000 |
| Pontotoc County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 48,000 |
| Deschutes County Oregon | 1 | $ 175,000 | $ 175,000 | $ 162,000 |
| Atascosa County Texas | 1 | $ 102,000 | $ 102,000 | $ 40,000 |
| Childress County Texas | 1 | $ 44,000 | $ 44,000 | $ 83,000 |
| Clay County Texas | 1 | $ 11,000 | $ 11,000 | $ 81,000 |
| Colorado County Texas | 1 | $ 19,000 | $ 19,000 | $ 74,000 |
| Cooke County Texas | 1 | $ 20,000 | $ 20,000 | $ 61,000 |
| Crockett County Texas | 1 | $ 10,000 | $ 10,000 | $ 93,000 |
| Dimmit County Texas | 1 | $ 328,000 | $ 328,000 | $ 112,000 |
| Grimes County Texas | 1 | $ 36,000 | $ 36,000 | $ 74,000 |
| Hopkins County Texas | 1 | $ 24,000 | $ 24,000 | $ 65,000 |
| Jackson County Texas | 1 | $ 13,000 | $ 13,000 | $ 161,000 |
| Kinney County Texas | 1 | $ 66,000 | $ 66,000 | $ 29,000 |
| La Salle County Texas | 1 | $ 20,000 | $ 20,000 | $ 130,000 |
| Leon County Texas | 1 | $ 30,000 | $ 30,000 | $ 93,000 |
| Nacogdoches County Texas | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Navarro County Texas | 1 | $ 47,000 | $ 47,000 | $ 721,000 |
| Palo Pinto County Texas | 1 | $ 39,000 | $ 39,000 | $ 125,000 |
| Polk County Texas | 1 | $ 17,000 | $ 17,000 | $ 42,000 |
| Sabine County Texas | 1 | $ 22,000 | $ 22,000 | $ 153,000 |
| Stonewall County Texas | 1 | $ 43,000 | $ 43,000 | $ 102,000 |
| Titus County Texas | 1 | $ 49,000 | $ 49,000 | $ 271,000 |
| Tom Green County Texas | 1 | $ 117,000 | $ 117,000 | $ 69,000 |
| Tyler County Texas | 1 | $ 12,000 | $ 12,000 | $ 155,000 |
| Wharton County Texas | 1 | $ 107,000 | $ 107,000 | $ 68,000 |
| Wichita County Texas | 1 | $ 27,000 | $ 27,000 | $ 100,000 |
| Wood County Texas | 1 | $ 10,000 | $ 10,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2008
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 | 7,705 | $403,631,000 | $52,000 | $1,500,000 | $127,000 | $3,245,000 |
| Refinancing | 1,829 | $145,029,000 | $79,000 | $18,000,000 | $109,000 | $5,000,000 |
| Home Improvement | 513 | $20,960,000 | $40,000 | $624,000 | $81,000 | $3,055,000 |
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 | 6,173 | $291,770,000 | $47,000 | $695,000 | $130,000 | $5,000,000 |
| Hispanic | 1,645 | $154,065,000 | $93,000 | $1,500,000 | $92,000 | $1,700,000 |
| Not Provided | 1,214 | $52,098,000 | $42,000 | $333,000 | $127,000 | $955,000 |
| Asian | 648 | $28,619,000 | $44,000 | $497,000 | $116,000 | $860,000 |
| Black or African American | 247 | $11,377,000 | $46,000 | $243,000 | $119,000 | $900,000 |
| American Indian or Alaskan Native | 61 | $3,100,000 | $50,000 | $250,000 | $86,000 | $420,000 |
| Not applicable | 42 | $27,700,000 | $659,000 | $18,000,000 | $0 | $40,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $891,000 | $52,000 | $260,000 | $109,000 | $234,000 |
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) | 9,847 | $547,953,000 | $55,000 | $18,000,000 | $123,000 | $5,000,000 |
| FHA-insured (Federal Housing Administration) | 196 | $21,283,000 | $108,000 | $273,000 | $55,000 | $338,000 |
| VA-guaranteed (Veterans Administration) | 4 | $384,000 | $96,000 | $180,000 | $11,000 | $47,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 5,595 | $289,864,000 | $51,000 | $18,000,000 | $127,000 | $5,000,000 |
| Application Denied By Financial Institution | 2,218 | $131,416,000 | $59,000 | $650,000 | $109,000 | $2,162,000 |
| Application Withdrawn By Applicant | 1,564 | $72,733,000 | $46,000 | $863,000 | $141,000 | $2,485,000 |
| Application Approved But Not Accepted | 381 | $49,117,000 | $128,000 | $659,000 | $92,000 | $948,000 |
| Loan Purchased By The Institution | 224 | $20,598,000 | $91,000 | $195,000 | $41,000 | $178,000 |
| Preapproval Denied by Financial Institution | 60 | $5,741,000 | $95,000 | $417,000 | $63,000 | $303,000 |
| File Closed For Incompleteness | 5 | $151,000 | $30,000 | $100,000 | $86,000 | $145,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| 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 2008 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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