International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
International Bank Of Commerce 2012 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 | 4,634 |
| Total Mortgage Loan Application Amount | $309,435,000 |
| Average Mortgage Loan Application Amount | $59,000 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $126,000 |
| Highest Applicant Income | $3,356,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 828 | $ 44,344,000 | $ 53,000 | $ 160,000 |
| Travis County Texas | 544 | $ 36,780,000 | $ 67,000 | $ 163,000 |
| Dallas County Texas | 303 | $ 16,004,000 | $ 52,000 | $ 177,000 |
| Collin County Texas | 293 | $ 13,887,000 | $ 47,000 | $ 164,000 |
| Fort Bend County Texas | 291 | $ 14,611,000 | $ 50,000 | $ 175,000 |
| Denton County Texas | 268 | $ 12,163,000 | $ 45,000 | $ 169,000 |
| Williamson County Texas | 201 | $ 9,359,000 | $ 46,000 | $ 129,000 |
| Hidalgo County Texas | 200 | $ 26,362,000 | $ 131,000 | $ 101,000 |
| Montgomery County Texas | 195 | $ 9,018,000 | $ 46,000 | $ 167,000 |
| Bexar County Texas | 192 | $ 14,667,000 | $ 76,000 | $ 146,000 |
| Tarrant County Texas | 163 | $ 7,946,000 | $ 48,000 | $ 174,000 |
| Cameron County Texas | 162 | $ 19,138,000 | $ 118,000 | $ 90,000 |
| Webb County Texas | 152 | $ 18,658,000 | $ 122,000 | $ 81,000 |
| Galveston County Texas | 92 | $ 4,543,000 | $ 49,000 | $ 199,000 |
| Brazoria County Texas | 54 | $ 2,207,000 | $ 40,000 | $ 148,000 |
| Hays County Texas | 52 | $ 2,924,000 | $ 56,000 | $ 115,000 |
| Oklahoma County Oklahoma | 46 | $ 2,680,000 | $ 58,000 | $ 84,000 |
| Maverick County Texas | 41 | $ 4,577,000 | $ 111,000 | $ 73,000 |
| Tulsa County Oklahoma | 37 | $ 1,498,000 | $ 40,000 | $ 52,000 |
| Comal County Texas | 34 | $ 2,320,000 | $ 68,000 | $ 147,000 |
| Rockwall County Texas | 32 | $ 1,400,000 | $ 43,000 | $ 162,000 |
| Stephens County Oklahoma | 23 | $ 1,114,000 | $ 48,000 | $ 49,000 |
| Starr County Texas | 22 | $ 1,872,000 | $ 85,000 | $ 47,000 |
| Nueces County Texas | 20 | $ 1,469,000 | $ 73,000 | $ 127,000 |
| Victoria County Texas | 18 | $ 2,017,000 | $ 112,000 | $ 2,125,000 |
| Brazos County Texas | 17 | $ 856,000 | $ 50,000 | $ 147,000 |
| Guadalupe County Texas | 16 | $ 3,104,000 | $ 194,000 | $ 162,000 |
| Kendall County Texas | 14 | $ 6,880,000 | $ 491,000 | $ 137,000 |
| Parker County Texas | 12 | $ 399,000 | $ 33,000 | $ 174,000 |
| Kaufman County Texas | 11 | $ 270,000 | $ 24,000 | $ 125,000 |
| Comanche County Oklahoma | 10 | $ 357,000 | $ 35,000 | $ 39,000 |
| Logan County Oklahoma | 10 | $ 791,000 | $ 79,000 | $ 105,000 |
| Calhoun County Texas | 10 | $ 726,000 | $ 72,000 | $ 76,000 |
| Matagorda County Texas | 9 | $ 548,000 | $ 60,000 | $ 39,000 |
| Waller County Texas | 9 | $ 440,000 | $ 48,000 | $ 190,000 |
| Creek County Oklahoma | 8 | $ 220,000 | $ 27,000 | $ 48,000 |
| Aransas County Texas | 7 | $ 368,000 | $ 52,000 | $ 219,000 |
| Bell County Texas | 7 | $ 449,000 | $ 64,000 | $ 206,000 |
| El Paso County Texas | 7 | $ 383,000 | $ 54,000 | $ 269,000 |
| Zapata County Texas | 7 | $ 843,000 | $ 120,000 | $ 57,000 |
| Bastrop County Texas | 6 | $ 217,000 | $ 36,000 | $ 126,000 |
| Burnet County Texas | 6 | $ 244,000 | $ 40,000 | $ 113,000 |
| Cooke County Texas | 6 | $ 190,000 | $ 31,000 | $ 310,000 |
| Ellis County Texas | 6 | $ 229,000 | $ 38,000 | $ 124,000 |
| Franklin County Texas | 6 | $ 225,000 | $ 37,000 | $ 414,000 |
| Wilson County Texas | 6 | $ 399,000 | $ 66,000 | $ 140,000 |
| Wise County Texas | 6 | $ 227,000 | $ 37,000 | $ 204,000 |
| Cleveland County Oklahoma | 5 | $ 175,000 | $ 35,000 | $ 23,000 |
| Delaware County Oklahoma | 5 | $ 1,187,000 | $ 237,000 | $ 79,000 |
| Garvin County Oklahoma | 5 | $ 144,000 | $ 28,000 | $ 155,000 |
| Lincoln County Oklahoma | 5 | $ 175,000 | $ 35,000 | $ 35,000 |
| Ottawa County Oklahoma | 5 | $ 230,000 | $ 46,000 | $ 49,000 |
| Rogers County Oklahoma | 5 | $ 399,000 | $ 79,000 | $ 64,000 |
| Johnson County Texas | 5 | $ 144,000 | $ 28,000 | $ 117,000 |
| Smith County Texas | 5 | $ 260,000 | $ 52,000 | $ 205,000 |
| Washington County Texas | 5 | $ 224,000 | $ 44,000 | $ 131,000 |
| Pottawatomie County Oklahoma | 4 | $ 105,000 | $ 26,000 | $ 32,000 |
| Chambers County Texas | 4 | $ 115,000 | $ 28,000 | $ 162,000 |
| Henderson County Texas | 4 | $ 108,000 | $ 27,000 | $ 207,000 |
| Llano County Texas | 4 | $ 122,000 | $ 30,000 | $ 280,000 |
| San Patricio County Texas | 4 | $ 327,000 | $ 81,000 | $ 57,000 |
| Beckham County Oklahoma | 3 | $ 280,000 | $ 93,000 | $ 181,000 |
| Canadian County Oklahoma | 3 | $ 139,000 | $ 46,000 | $ 46,000 |
| Grady County Oklahoma | 3 | $ 304,000 | $ 101,000 | $ 55,000 |
| McClain County Oklahoma | 3 | $ 73,000 | $ 24,000 | $ 105,000 |
| Austin County Texas | 3 | $ 74,000 | $ 24,000 | $ 121,000 |
| Hunt County Texas | 3 | $ 108,000 | $ 36,000 | $ 122,000 |
| Palo Pinto County Texas | 3 | $ 179,000 | $ 59,000 | $ 259,000 |
| Val Verde County Texas | 3 | $ 203,000 | $ 67,000 | $ 64,000 |
| Willacy County Texas | 3 | $ 330,000 | $ 110,000 | $ 85,000 |
| Summit County Colorado | 2 | $ 1,643,000 | $ 821,000 | $ 322,000 |
| Carter County Oklahoma | 2 | $ 143,000 | $ 71,000 | $ 32,000 |
| Payne County Oklahoma | 2 | $ 634,000 | $ 317,000 | $ 163,000 |
| Wagoner County Oklahoma | 2 | $ 80,000 | $ 40,000 | $ 63,000 |
| Atascosa County Texas | 2 | $ 198,000 | $ 99,000 | $ 95,000 |
| Caldwell County Texas | 2 | $ 88,000 | $ 44,000 | $ 63,000 |
| Colorado County Texas | 2 | $ 37,000 | $ 18,000 | $ 90,000 |
| Fannin County Texas | 2 | $ 54,000 | $ 27,000 | $ 124,000 |
| Gillespie County Texas | 2 | $ 223,000 | $ 111,000 | $ 159,000 |
| Grayson County Texas | 2 | $ 33,000 | $ 16,000 | $ 152,000 |
| Gregg County Texas | 2 | $ 88,000 | $ 44,000 | $ 129,000 |
| Jefferson County Texas | 2 | $ 81,000 | $ 40,000 | $ 152,000 |
| Jim Hogg County Texas | 2 | $ 184,000 | $ 92,000 | $ 108,000 |
| Kleberg County Texas | 2 | $ 153,000 | $ 76,000 | $ 20,000 |
| McLennan County Texas | 2 | $ 79,000 | $ 39,000 | $ 114,000 |
| Midland County Texas | 2 | $ 68,000 | $ 34,000 | $ 99,000 |
| Randall County Texas | 2 | $ 54,000 | $ 27,000 | $ 142,000 |
| Taylor County Texas | 2 | $ 93,000 | $ 46,000 | $ 184,000 |
| Walker County Texas | 2 | $ 88,000 | $ 44,000 | $ 69,000 |
| Wharton County Texas | 2 | $ 68,000 | $ 34,000 | $ 143,000 |
| Wood County Texas | 2 | $ 46,000 | $ 23,000 | $ 165,000 |
| Maricopa County Arizona | 1 | $ 526,000 | $ 526,000 | $ 0 |
| San Diego County California | 1 | $ 400,000 | $ 400,000 | $ 108,000 |
| Pitkin County Colorado | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Sedgwick County Colorado | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Taney County Missouri | 1 | $ 2,300,000 | $ 2,300,000 | $ 0 |
| Custer County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 17,000 |
| Jefferson County Oklahoma | 1 | $ 46,000 | $ 46,000 | $ 96,000 |
| Johnston County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 56,000 |
| Major County Oklahoma | 1 | $ 201,000 | $ 201,000 | $ 304,000 |
| Mayes County Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 45,000 |
| Osage County Oklahoma | 1 | $ 57,000 | $ 57,000 | $ 235,000 |
| Woods County Oklahoma | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| Angelina County Texas | 1 | $ 17,000 | $ 17,000 | $ 61,000 |
| Bee County Texas | 1 | $ 56,000 | $ 56,000 | $ 64,000 |
| Blanco County Texas | 1 | $ 32,000 | $ 32,000 | $ 125,000 |
| Brooks County Texas | 1 | $ 290,000 | $ 290,000 | $ 60,000 |
| Burleson County Texas | 1 | $ 17,000 | $ 17,000 | $ 60,000 |
| Cherokee County Texas | 1 | $ 58,000 | $ 58,000 | $ 176,000 |
| Dimmit County Texas | 1 | $ 265,000 | $ 265,000 | $ 244,000 |
| Duval County Texas | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Eastland County Texas | 1 | $ 10,000 | $ 10,000 | $ 127,000 |
| Fayette County Texas | 1 | $ 35,000 | $ 35,000 | $ 394,000 |
| Grimes County Texas | 1 | $ 103,000 | $ 103,000 | $ 229,000 |
| Harrison County Texas | 1 | $ 82,000 | $ 82,000 | $ 224,000 |
| Hood County Texas | 1 | $ 73,000 | $ 73,000 | $ 165,000 |
| Houston County Texas | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Jasper County Texas | 1 | $ 308,000 | $ 308,000 | $ 301,000 |
| Jeff Davis County Texas | 1 | $ 40,000 | $ 40,000 | $ 316,000 |
| Kerr County Texas | 1 | $ 26,000 | $ 26,000 | $ 133,000 |
| Kinney County Texas | 1 | $ 170,000 | $ 170,000 | $ 169,000 |
| Lubbock County Texas | 1 | $ 25,000 | $ 25,000 | $ 140,000 |
| Medina County Texas | 1 | $ 26,000 | $ 26,000 | $ 115,000 |
| Panola County Texas | 1 | $ 33,000 | $ 33,000 | $ 115,000 |
| Polk County Texas | 1 | $ 11,000 | $ 11,000 | $ 88,000 |
| Potter County Texas | 1 | $ 17,000 | $ 17,000 | $ 95,000 |
| Real County Texas | 1 | $ 14,000 | $ 14,000 | $ 145,000 |
| Refugio County Texas | 1 | $ 24,000 | $ 24,000 | $ 48,000 |
| Robertson County Texas | 1 | $ 23,000 | $ 23,000 | $ 117,000 |
| San Jacinto County Texas | 1 | $ 46,000 | $ 46,000 | $ 231,000 |
| Uvalde County Texas | 1 | $ 27,000 | $ 27,000 | $ 11,000 |
| Van Zandt County Texas | 1 | $ 32,000 | $ 32,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2012
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 | 2,947 | $197,618,000 | $67,000 | $6,000,000 | $164,000 | $3,356,000 |
| Refinancing | 1,441 | $101,814,000 | $70,000 | $3,700,000 | $158,000 | $3,073,000 |
| Home Improvement | 246 | $10,003,000 | $40,000 | $355,000 | $56,000 | $365,000 |
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 | 2,993 | $156,317,000 | $52,000 | $1,365,000 | $173,000 | $3,356,000 |
| Hispanic | 815 | $76,755,000 | $94,000 | $1,189,000 | $109,000 | $3,002,000 |
| Not Provided | 366 | $23,950,000 | $65,000 | $2,400,000 | $168,000 | $769,000 |
| Asian | 278 | $16,299,000 | $58,000 | $417,000 | $151,000 | $478,000 |
| Black or African American | 95 | $5,054,000 | $53,000 | $379,000 | $140,000 | $377,000 |
| Not applicable | 55 | $29,804,000 | $541,000 | $6,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 25 | $1,085,000 | $43,000 | $128,000 | $94,000 | $235,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $171,000 | $24,000 | $41,000 | $104,000 | $150,000 |
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) | 4,631 | $308,617,000 | $66,000 | $6,000,000 | $156,000 | $3,356,000 |
| FHA-insured (Federal Housing Administration) | 2 | $348,000 | $174,000 | $274,000 | $61,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 1 | $470,000 | $470,000 | $470,000 | $177,000 | $177,000 |
| 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 | 2,740 | $170,840,000 | $62,000 | $6,000,000 | $175,000 | $3,356,000 |
| Application Denied By Financial Institution | 1,064 | $79,712,000 | $74,000 | $470,000 | $124,000 | $1,338,000 |
| Application Approved But Not Accepted | 330 | $22,765,000 | $68,000 | $721,000 | $159,000 | $3,002,000 |
| Application Withdrawn By Applicant | 185 | $12,503,000 | $67,000 | $2,400,000 | $153,000 | $1,080,000 |
| Loan Purchased By The Institution | 166 | $17,372,000 | $104,000 | $288,000 | $49,000 | $260,000 |
| File Closed For Incompleteness | 149 | $6,243,000 | $41,000 | $237,000 | $164,000 | $1,344,000 |
| 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 2012 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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