International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
International Bank Of Commerce 2009 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 | 10,922 |
| Total Mortgage Loan Application Amount | $668,244,000 |
| Average Mortgage Loan Application Amount | $54,000 |
| Highest Mortgage Loan Application Amount | $4,702,000 |
| Average Applicant Income | $113,666 |
| Highest Applicant Income | $3,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 1,579 | $ 81,334,000 | $ 51,000 | $ 138,000 |
| Travis County Texas | 1,470 | $ 101,531,000 | $ 69,000 | $ 134,000 |
| Dallas County Texas | 823 | $ 27,954,000 | $ 33,000 | $ 133,000 |
| Collin County Texas | 784 | $ 27,989,000 | $ 35,000 | $ 135,000 |
| Denton County Texas | 675 | $ 22,871,000 | $ 33,000 | $ 130,000 |
| Fort Bend County Texas | 574 | $ 25,269,000 | $ 44,000 | $ 135,000 |
| Hidalgo County Texas | 557 | $ 72,051,000 | $ 129,000 | $ 101,000 |
| Williamson County Texas | 524 | $ 19,330,000 | $ 36,000 | $ 111,000 |
| Tarrant County Texas | 439 | $ 15,647,000 | $ 35,000 | $ 135,000 |
| Bexar County Texas | 377 | $ 29,814,000 | $ 79,000 | $ 125,000 |
| Webb County Texas | 311 | $ 38,433,000 | $ 123,000 | $ 80,000 |
| Cameron County Texas | 285 | $ 41,883,000 | $ 146,000 | $ 172,000 |
| Montgomery County Texas | 279 | $ 10,560,000 | $ 37,000 | $ 146,000 |
| Galveston County Texas | 178 | $ 11,659,000 | $ 65,000 | $ 158,000 |
| Stephens County Oklahoma | 158 | $ 10,254,000 | $ 64,000 | $ 88,000 |
| Oklahoma County Oklahoma | 151 | $ 15,292,000 | $ 101,000 | $ 112,000 |
| Hays County Texas | 137 | $ 7,826,000 | $ 57,000 | $ 123,000 |
| Brazoria County Texas | 122 | $ 4,326,000 | $ 35,000 | $ 120,000 |
| Tulsa County Oklahoma | 105 | $ 6,506,000 | $ 61,000 | $ 65,000 |
| Maverick County Texas | 80 | $ 9,327,000 | $ 116,000 | $ 63,000 |
| Rockwall County Texas | 68 | $ 2,429,000 | $ 35,000 | $ 144,000 |
| Bay County Florida | 63 | $ 9,765,000 | $ 155,000 | $ 129,000 |
| Brazos County Texas | 61 | $ 1,996,000 | $ 32,000 | $ 128,000 |
| Comal County Texas | 59 | $ 3,536,000 | $ 59,000 | $ 149,000 |
| Nueces County Texas | 41 | $ 4,996,000 | $ 121,000 | $ 132,000 |
| Comanche County Oklahoma | 40 | $ 2,489,000 | $ 62,000 | $ 100,000 |
| Starr County Texas | 37 | $ 3,510,000 | $ 94,000 | $ 102,000 |
| Parker County Texas | 34 | $ 1,198,000 | $ 35,000 | $ 147,000 |
| Rogers County Oklahoma | 30 | $ 1,261,000 | $ 42,000 | $ 51,000 |
| Cleveland County Oklahoma | 29 | $ 2,289,000 | $ 78,000 | $ 108,000 |
| Ellis County Texas | 27 | $ 857,000 | $ 31,000 | $ 119,000 |
| Guadalupe County Texas | 26 | $ 1,370,000 | $ 52,000 | $ 94,000 |
| Calhoun County Texas | 25 | $ 2,173,000 | $ 86,000 | $ 91,000 |
| Smith County Texas | 25 | $ 707,000 | $ 28,000 | $ 107,000 |
| Bastrop County Texas | 23 | $ 567,000 | $ 24,000 | $ 110,000 |
| Logan County Oklahoma | 22 | $ 1,020,000 | $ 46,000 | $ 61,000 |
| Creek County Oklahoma | 21 | $ 897,000 | $ 42,000 | $ 43,000 |
| Bell County Texas | 21 | $ 699,000 | $ 33,000 | $ 136,000 |
| Matagorda County Texas | 21 | $ 1,374,000 | $ 65,000 | $ 56,000 |
| Lincoln County Oklahoma | 20 | $ 1,274,000 | $ 63,000 | $ 57,000 |
| Grayson County Texas | 20 | $ 565,000 | $ 28,000 | $ 135,000 |
| Zapata County Texas | 20 | $ 1,735,000 | $ 86,000 | $ 82,000 |
| El Paso County Texas | 19 | $ 777,000 | $ 40,000 | $ 148,000 |
| Ottawa County Oklahoma | 18 | $ 634,000 | $ 35,000 | $ 121,000 |
| Kaufman County Texas | 18 | $ 626,000 | $ 34,000 | $ 122,000 |
| Garvin County Oklahoma | 17 | $ 932,000 | $ 54,000 | $ 47,000 |
| Aransas County Texas | 17 | $ 1,981,000 | $ 116,000 | $ 180,000 |
| Burnet County Texas | 17 | $ 1,658,000 | $ 97,000 | $ 140,000 |
| McLennan County Texas | 14 | $ 457,000 | $ 32,000 | $ 131,000 |
| Henderson County Texas | 13 | $ 436,000 | $ 33,000 | $ 236,000 |
| Johnson County Texas | 13 | $ 603,000 | $ 46,000 | $ 150,000 |
| Kendall County Texas | 13 | $ 816,000 | $ 62,000 | $ 127,000 |
| Bee County Texas | 12 | $ 1,759,000 | $ 146,000 | $ 502,000 |
| Caldwell County Texas | 12 | $ 911,000 | $ 75,000 | $ 101,000 |
| Franklin County Texas | 12 | $ 384,000 | $ 32,000 | $ 234,000 |
| Canadian County Oklahoma | 11 | $ 599,000 | $ 54,000 | $ 83,000 |
| Delaware County Oklahoma | 11 | $ 761,000 | $ 69,000 | $ 58,000 |
| San Patricio County Texas | 11 | $ 1,215,000 | $ 110,000 | $ 72,000 |
| Victoria County Texas | 11 | $ 1,850,000 | $ 168,000 | $ 660,000 |
| Carter County Oklahoma | 10 | $ 458,000 | $ 45,000 | $ 36,000 |
| Grady County Oklahoma | 10 | $ 719,000 | $ 71,000 | $ 64,000 |
| Jefferson County Texas | 10 | $ 634,000 | $ 63,000 | $ 141,000 |
| Llano County Texas | 10 | $ 1,101,000 | $ 110,000 | $ 216,000 |
| Chambers County Texas | 9 | $ 259,000 | $ 28,000 | $ 122,000 |
| McClain County Oklahoma | 8 | $ 765,000 | $ 95,000 | $ 83,000 |
| Murray County Oklahoma | 8 | $ 668,000 | $ 83,000 | $ 96,000 |
| Wagoner County Oklahoma | 8 | $ 392,000 | $ 49,000 | $ 84,000 |
| Wharton County Texas | 8 | $ 175,000 | $ 21,000 | $ 74,000 |
| Custer County Oklahoma | 7 | $ 490,000 | $ 70,000 | $ 35,000 |
| Pawnee County Oklahoma | 7 | $ 453,000 | $ 64,000 | $ 56,000 |
| Jim Wells County Texas | 7 | $ 632,000 | $ 90,000 | $ 65,000 |
| Muskogee County Oklahoma | 6 | $ 336,000 | $ 56,000 | $ 36,000 |
| Hood County Texas | 6 | $ 286,000 | $ 47,000 | $ 250,000 |
| Jim Hogg County Texas | 6 | $ 525,000 | $ 87,000 | $ 47,000 |
| Lubbock County Texas | 6 | $ 239,000 | $ 39,000 | $ 119,000 |
| Val Verde County Texas | 6 | $ 788,000 | $ 131,000 | $ 96,000 |
| Wilson County Texas | 6 | $ 279,000 | $ 46,000 | $ 111,000 |
| Wise County Texas | 6 | $ 122,000 | $ 20,000 | $ 99,000 |
| Beckham County Oklahoma | 5 | $ 273,000 | $ 54,000 | $ 73,000 |
| Love County Oklahoma | 5 | $ 197,000 | $ 39,000 | $ 59,000 |
| Payne County Oklahoma | 5 | $ 655,000 | $ 131,000 | $ 67,000 |
| Gregg County Texas | 5 | $ 303,000 | $ 60,000 | $ 104,000 |
| Grimes County Texas | 5 | $ 137,000 | $ 27,000 | $ 114,000 |
| Hardin County Texas | 5 | $ 114,000 | $ 22,000 | $ 115,000 |
| Hunt County Texas | 5 | $ 125,000 | $ 25,000 | $ 104,000 |
| Midland County Texas | 5 | $ 183,000 | $ 36,000 | $ 125,000 |
| San Jacinto County Texas | 5 | $ 153,000 | $ 30,000 | $ 241,000 |
| Taylor County Texas | 5 | $ 118,000 | $ 23,000 | $ 93,000 |
| Osage County Oklahoma | 4 | $ 355,000 | $ 88,000 | $ 38,000 |
| Washita County Oklahoma | 4 | $ 299,000 | $ 74,000 | $ 63,000 |
| Blanco County Texas | 4 | $ 164,000 | $ 41,000 | $ 98,000 |
| Fayette County Texas | 4 | $ 122,000 | $ 30,000 | $ 405,000 |
| Gillespie County Texas | 4 | $ 123,000 | $ 30,000 | $ 314,000 |
| Kleberg County Texas | 4 | $ 411,000 | $ 102,000 | $ 42,000 |
| Polk County Texas | 4 | $ 177,000 | $ 44,000 | $ 156,000 |
| Uvalde County Texas | 4 | $ 169,000 | $ 42,000 | $ 42,000 |
| Van Zandt County Texas | 4 | $ 76,000 | $ 19,000 | $ 77,000 |
| Waller County Texas | 4 | $ 140,000 | $ 35,000 | $ 176,000 |
| Washington County Texas | 4 | $ 126,000 | $ 31,000 | $ 181,000 |
| Caddo County Oklahoma | 3 | $ 221,000 | $ 73,000 | $ 46,000 |
| Mayes County Oklahoma | 3 | $ 51,000 | $ 17,000 | $ 42,000 |
| Bandera County Texas | 3 | $ 82,000 | $ 27,000 | $ 109,000 |
| Cooke County Texas | 3 | $ 77,000 | $ 25,000 | $ 112,000 |
| Hill County Texas | 3 | $ 75,000 | $ 25,000 | $ 97,000 |
| Kerr County Texas | 3 | $ 123,000 | $ 41,000 | $ 104,000 |
| Lampasas County Texas | 3 | $ 207,000 | $ 69,000 | $ 30,000 |
| Orange County Texas | 3 | $ 129,000 | $ 43,000 | $ 104,000 |
| Randall County Texas | 3 | $ 92,000 | $ 30,000 | $ 172,000 |
| Tom Green County Texas | 3 | $ 181,000 | $ 60,000 | $ 83,000 |
| Kiowa County Oklahoma | 2 | $ 50,000 | $ 25,000 | $ 34,000 |
| Okmulgee County Oklahoma | 2 | $ 90,000 | $ 45,000 | $ 49,000 |
| Pontotoc County Oklahoma | 2 | $ 139,000 | $ 69,000 | $ 62,000 |
| Pottawatomie County Oklahoma | 2 | $ 13,000 | $ 6,000 | $ 27,000 |
| Washington County Oklahoma | 2 | $ 272,000 | $ 136,000 | $ 157,000 |
| Austin County Texas | 2 | $ 51,000 | $ 25,000 | $ 113,000 |
| Colorado County Texas | 2 | $ 43,000 | $ 21,000 | $ 109,000 |
| Gray County Texas | 2 | $ 92,000 | $ 46,000 | $ 155,000 |
| Harrison County Texas | 2 | $ 62,000 | $ 31,000 | $ 127,000 |
| Jackson County Texas | 2 | $ 459,000 | $ 229,000 | $ 104,000 |
| Karnes County Texas | 2 | $ 29,000 | $ 14,000 | $ 218,000 |
| Leon County Texas | 2 | $ 54,000 | $ 27,000 | $ 131,000 |
| Liberty County Texas | 2 | $ 32,000 | $ 16,000 | $ 105,000 |
| Madison County Texas | 2 | $ 106,000 | $ 53,000 | $ 192,000 |
| Milam County Texas | 2 | $ 46,000 | $ 23,000 | $ 113,000 |
| Trinity County Texas | 2 | $ 47,000 | $ 23,000 | $ 163,000 |
| Walker County Texas | 2 | $ 82,000 | $ 41,000 | $ 98,000 |
| Wood County Texas | 2 | $ 45,000 | $ 22,000 | $ 84,000 |
| Miami-Dade County Florida | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Okaloosa County Florida | 1 | $ 1,520,000 | $ 1,520,000 | $ 0 |
| Orange County New York | 1 | $ 4,702,000 | $ 4,702,000 | $ 0 |
| Cherokee County Oklahoma | 1 | $ 260,000 | $ 260,000 | $ 94,000 |
| Jefferson County Oklahoma | 1 | $ 68,000 | $ 68,000 | $ 102,000 |
| McIntosh County Oklahoma | 1 | $ 154,000 | $ 154,000 | $ 123,000 |
| Woodward County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 92,000 |
| Anderson County Texas | 1 | $ 17,000 | $ 17,000 | $ 79,000 |
| Angelina County Texas | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Atascosa County Texas | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Bosque County Texas | 1 | $ 38,000 | $ 38,000 | $ 248,000 |
| Brooks County Texas | 1 | $ 95,000 | $ 95,000 | $ 23,000 |
| Callahan County Texas | 1 | $ 20,000 | $ 20,000 | $ 135,000 |
| Castro County Texas | 1 | $ 39,000 | $ 39,000 | $ 113,000 |
| Cherokee County Texas | 1 | $ 25,000 | $ 25,000 | $ 248,000 |
| Erath County Texas | 1 | $ 20,000 | $ 20,000 | $ 64,000 |
| Fannin County Texas | 1 | $ 10,000 | $ 10,000 | $ 37,000 |
| Frio County Texas | 1 | $ 204,000 | $ 204,000 | $ 103,000 |
| Gonzales County Texas | 1 | $ 139,000 | $ 139,000 | $ 67,000 |
| Hamilton County Texas | 1 | $ 12,000 | $ 12,000 | $ 117,000 |
| Jasper County Texas | 1 | $ 400,000 | $ 400,000 | $ 325,000 |
| Kinney County Texas | 1 | $ 38,000 | $ 38,000 | $ 83,000 |
| Lavaca County Texas | 1 | $ 24,000 | $ 24,000 | $ 92,000 |
| Lee County Texas | 1 | $ 10,000 | $ 10,000 | $ 73,000 |
| McCulloch County Texas | 1 | $ 25,000 | $ 25,000 | $ 135,000 |
| Medina County Texas | 1 | $ 4,000 | $ 4,000 | $ 29,000 |
| Montague County Texas | 1 | $ 22,000 | $ 22,000 | $ 74,000 |
| Nacogdoches County Texas | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Navarro County Texas | 1 | $ 23,000 | $ 23,000 | $ 73,000 |
| Ochiltree County Texas | 1 | $ 46,000 | $ 46,000 | $ 317,000 |
| Palo Pinto County Texas | 1 | $ 50,000 | $ 50,000 | $ 125,000 |
| Potter County Texas | 1 | $ 11,000 | $ 11,000 | $ 52,000 |
| Presidio County Texas | 1 | $ 11,000 | $ 11,000 | $ 122,000 |
| Rusk County Texas | 1 | $ 10,000 | $ 10,000 | $ 123,000 |
| Somervell County Texas | 1 | $ 16,000 | $ 16,000 | $ 62,000 |
| Tyler County Texas | 1 | $ 16,000 | $ 16,000 | $ 131,000 |
| Wichita County Texas | 1 | $ 28,000 | $ 28,000 | $ 104,000 |
| Willacy County Texas | 1 | $ 239,000 | $ 239,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2009
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 | 5,900 | $364,243,000 | $61,000 | $4,702,000 | $134,000 | $3,600,000 |
| Refinancing | 4,606 | $287,709,000 | $62,000 | $2,250,000 | $124,000 | $3,245,000 |
| Home Improvement | 416 | $16,292,000 | $39,000 | $700,000 | $83,000 | $1,488,000 |
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 | 6,951 | $363,271,000 | $52,000 | $2,000,000 | $134,000 | $3,245,000 |
| Hispanic | 1,729 | $178,008,000 | $102,000 | $1,080,000 | $104,000 | $3,600,000 |
| Not Provided | 1,181 | $58,717,000 | $49,000 | $1,000,000 | $135,000 | $1,471,000 |
| Asian | 741 | $34,928,000 | $47,000 | $417,000 | $118,000 | $1,570,000 |
| Black or African American | 193 | $11,372,000 | $58,000 | $700,000 | $141,000 | $1,560,000 |
| American Indian or Alaskan Native | 67 | $3,503,000 | $52,000 | $490,000 | $112,000 | $1,530,000 |
| Not applicable | 38 | $17,700,000 | $465,000 | $4,702,000 | $1,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $745,000 | $33,000 | $90,000 | $108,000 | $216,000 |
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) | 10,701 | $642,670,000 | $60,000 | $4,702,000 | $129,000 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 203 | $22,929,000 | $112,000 | $294,000 | $64,000 | $902,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,645,000 | $146,000 | $413,000 | $85,000 | $370,000 |
| 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 | 6,197 | $343,296,000 | $55,000 | $4,702,000 | $136,000 | $3,600,000 |
| Application Denied By Financial Institution | 2,221 | $130,300,000 | $58,000 | $2,000,000 | $114,000 | $2,024,000 |
| Application Approved But Not Accepted | 1,867 | $120,382,000 | $64,000 | $1,080,000 | $126,000 | $1,495,000 |
| Application Withdrawn By Applicant | 348 | $47,815,000 | $137,000 | $2,250,000 | $144,000 | $1,594,000 |
| Loan Purchased By The Institution | 282 | $26,217,000 | $92,000 | $186,000 | $48,000 | $556,000 |
| File Closed For Incompleteness | 7 | $234,000 | $33,000 | $108,000 | $32,000 | $92,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 2009 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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