International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
International Bank Of Commerce 2015 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 | 5,753 |
| Total Mortgage Loan Application Amount | $519,221,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $24,468,000 |
| Average Applicant Income | $138,000 |
| Highest Applicant Income | $2,045,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 953 | $ 70,911,000 | $ 74,000 | $ 175,000 |
| Travis County Texas | 638 | $ 62,518,000 | $ 97,000 | $ 173,000 |
| Fort Bend County Texas | 433 | $ 31,080,000 | $ 71,000 | $ 182,000 |
| Denton County Texas | 406 | $ 29,021,000 | $ 71,000 | $ 178,000 |
| Dallas County Texas | 399 | $ 29,124,000 | $ 72,000 | $ 198,000 |
| Collin County Texas | 396 | $ 26,995,000 | $ 68,000 | $ 180,000 |
| Bexar County Texas | 302 | $ 38,560,000 | $ 127,000 | $ 141,000 |
| Tarrant County Texas | 241 | $ 16,286,000 | $ 67,000 | $ 184,000 |
| Williamson County Texas | 234 | $ 15,640,000 | $ 66,000 | $ 150,000 |
| Montgomery County Texas | 231 | $ 15,757,000 | $ 68,000 | $ 177,000 |
| Hidalgo County Texas | 198 | $ 37,987,000 | $ 191,000 | $ 90,000 |
| Webb County Texas | 149 | $ 19,807,000 | $ 132,000 | $ 70,000 |
| Hays County Texas | 127 | $ 8,147,000 | $ 64,000 | $ 162,000 |
| Galveston County Texas | 123 | $ 7,466,000 | $ 60,000 | $ 206,000 |
| Cameron County Texas | 107 | $ 13,297,000 | $ 124,000 | $ 90,000 |
| Comal County Texas | 81 | $ 5,473,000 | $ 67,000 | $ 168,000 |
| Brazoria County Texas | 79 | $ 29,558,000 | $ 374,000 | $ 161,000 |
| Nueces County Texas | 44 | $ 6,651,000 | $ 151,000 | $ 207,000 |
| Rockwall County Texas | 42 | $ 2,746,000 | $ 65,000 | $ 170,000 |
| Maverick County Texas | 32 | $ 3,672,000 | $ 114,000 | $ 55,000 |
| Oklahoma County Oklahoma | 30 | $ 3,468,000 | $ 115,000 | $ 112,000 |
| Tulsa County Oklahoma | 26 | $ 3,376,000 | $ 129,000 | $ 31,000 |
| Brazos County Texas | 24 | $ 2,056,000 | $ 85,000 | $ 228,000 |
| Bell County Texas | 21 | $ 1,394,000 | $ 66,000 | $ 161,000 |
| Kendall County Texas | 17 | $ 1,154,000 | $ 67,000 | $ 184,000 |
| Parker County Texas | 17 | $ 1,219,000 | $ 71,000 | $ 173,000 |
| Starr County Texas | 16 | $ 1,246,000 | $ 77,000 | $ 73,000 |
| Burnet County Texas | 15 | $ 969,000 | $ 64,000 | $ 195,000 |
| Comanche County Oklahoma | 14 | $ 838,000 | $ 59,000 | $ 51,000 |
| Ellis County Texas | 14 | $ 623,000 | $ 44,000 | $ 146,000 |
| Waller County Texas | 14 | $ 784,000 | $ 56,000 | $ 163,000 |
| Johnson County Texas | 13 | $ 1,193,000 | $ 91,000 | $ 207,000 |
| McLennan County Texas | 12 | $ 780,000 | $ 65,000 | $ 155,000 |
| Cleveland County Oklahoma | 9 | $ 1,226,000 | $ 136,000 | $ 118,000 |
| Austin County Texas | 9 | $ 516,000 | $ 57,000 | $ 130,000 |
| Stephens County Oklahoma | 8 | $ 269,000 | $ 33,000 | $ 52,000 |
| El Paso County Texas | 8 | $ 1,046,000 | $ 130,000 | $ 223,000 |
| Guadalupe County Texas | 8 | $ 676,000 | $ 84,000 | $ 97,000 |
| Kaufman County Texas | 8 | $ 364,000 | $ 45,000 | $ 136,000 |
| Victoria County Texas | 8 | $ 1,154,000 | $ 144,000 | $ 197,000 |
| Zapata County Texas | 8 | $ 804,000 | $ 100,000 | $ 50,000 |
| Carter County Oklahoma | 7 | $ 465,000 | $ 66,000 | $ 107,000 |
| Bastrop County Texas | 7 | $ 864,000 | $ 123,000 | $ 184,000 |
| Llano County Texas | 7 | $ 519,000 | $ 74,000 | $ 352,000 |
| Lubbock County Texas | 7 | $ 4,342,000 | $ 620,000 | $ 132,000 |
| Wilson County Texas | 7 | $ 333,000 | $ 47,000 | $ 167,000 |
| Blanco County Texas | 6 | $ 303,000 | $ 50,000 | $ 115,000 |
| Chambers County Texas | 6 | $ 211,000 | $ 35,000 | $ 144,000 |
| Val Verde County Texas | 6 | $ 846,000 | $ 141,000 | $ 59,000 |
| Walker County Texas | 6 | $ 287,000 | $ 47,000 | $ 169,000 |
| Washington County Texas | 6 | $ 431,000 | $ 71,000 | $ 133,000 |
| Rogers County Oklahoma | 5 | $ 204,000 | $ 40,000 | $ 51,000 |
| Caldwell County Texas | 5 | $ 418,000 | $ 83,000 | $ 105,000 |
| Calhoun County Texas | 5 | $ 560,000 | $ 112,000 | $ 227,000 |
| Liberty County Texas | 5 | $ 232,000 | $ 46,000 | $ 213,000 |
| Medina County Texas | 5 | $ 284,000 | $ 56,000 | $ 156,000 |
| Wise County Texas | 5 | $ 212,000 | $ 42,000 | $ 167,000 |
| Lincoln County Oklahoma | 4 | $ 147,000 | $ 36,000 | $ 37,000 |
| Logan County Oklahoma | 4 | $ 68,000 | $ 17,000 | $ 39,000 |
| McClain County Oklahoma | 4 | $ 464,000 | $ 116,000 | $ 42,000 |
| Jim Wells County Texas | 4 | $ 335,000 | $ 83,000 | $ 72,000 |
| Midland County Texas | 4 | $ 330,000 | $ 82,000 | $ 110,000 |
| San Jacinto County Texas | 4 | $ 245,000 | $ 61,000 | $ 188,000 |
| San Patricio County Texas | 4 | $ 320,000 | $ 80,000 | $ 163,000 |
| Smith County Texas | 4 | $ 337,000 | $ 84,000 | $ 185,000 |
| Wharton County Texas | 4 | $ 111,000 | $ 27,000 | $ 130,000 |
| Zavala County Texas | 4 | $ 1,111,000 | $ 277,000 | $ 92,000 |
| Creek County Oklahoma | 3 | $ 111,000 | $ 37,000 | $ 108,000 |
| Custer County Oklahoma | 3 | $ 201,000 | $ 67,000 | $ 42,000 |
| Garvin County Oklahoma | 3 | $ 72,000 | $ 24,000 | $ 19,000 |
| Murray County Oklahoma | 3 | $ 60,000 | $ 20,000 | $ 24,000 |
| Grayson County Texas | 3 | $ 126,000 | $ 42,000 | $ 175,000 |
| Gregg County Texas | 3 | $ 239,000 | $ 79,000 | $ 126,000 |
| Grimes County Texas | 3 | $ 228,000 | $ 76,000 | $ 181,000 |
| Harrison County Texas | 3 | $ 196,000 | $ 65,000 | $ 148,000 |
| Henderson County Texas | 3 | $ 140,000 | $ 46,000 | $ 245,000 |
| Hood County Texas | 3 | $ 135,000 | $ 45,000 | $ 117,000 |
| Jefferson County Texas | 3 | $ 78,000 | $ 26,000 | $ 74,000 |
| Matagorda County Texas | 3 | $ 187,000 | $ 62,000 | $ 67,000 |
| Tom Green County Texas | 3 | $ 229,000 | $ 76,000 | $ 264,000 |
| Wood County Texas | 3 | $ 136,000 | $ 45,000 | $ 189,000 |
| Routt County Colorado | 2 | $ 1,755,000 | $ 877,000 | $ 0 |
| Grady County Oklahoma | 2 | $ 31,000 | $ 15,000 | $ 19,000 |
| Kiowa County Oklahoma | 2 | $ 109,000 | $ 54,000 | $ 51,000 |
| Muskogee County Oklahoma | 2 | $ 45,000 | $ 22,000 | $ 43,000 |
| Ottawa County Oklahoma | 2 | $ 69,000 | $ 34,000 | $ 20,000 |
| Pawnee County Oklahoma | 2 | $ 33,000 | $ 16,000 | $ 63,000 |
| Aransas County Texas | 2 | $ 158,000 | $ 79,000 | $ 233,000 |
| Bandera County Texas | 2 | $ 134,000 | $ 67,000 | $ 216,000 |
| Fayette County Texas | 2 | $ 134,000 | $ 67,000 | $ 228,000 |
| Houston County Texas | 2 | $ 57,000 | $ 28,000 | $ 201,000 |
| Hunt County Texas | 2 | $ 68,000 | $ 34,000 | $ 131,000 |
| Kerr County Texas | 2 | $ 36,000 | $ 18,000 | $ 57,000 |
| Kleberg County Texas | 2 | $ 308,000 | $ 154,000 | $ 113,000 |
| Milam County Texas | 2 | $ 60,000 | $ 30,000 | $ 101,000 |
| Polk County Texas | 2 | $ 66,000 | $ 33,000 | $ 346,000 |
| Randall County Texas | 2 | $ 50,000 | $ 25,000 | $ 95,000 |
| Uvalde County Texas | 2 | $ 223,000 | $ 111,000 | $ 765,000 |
| Maricopa County Arizona | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Los Angeles County California | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Grand County Colorado | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Beckham County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Canadian County Oklahoma | 1 | $ 137,000 | $ 137,000 | $ 46,000 |
| Delaware County Oklahoma | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Hughes County Oklahoma | 1 | $ 12,000 | $ 12,000 | $ 11,000 |
| Mayes County Oklahoma | 1 | $ 23,000 | $ 23,000 | $ 55,000 |
| Pottawatomie County Oklahoma | 1 | $ 150,000 | $ 150,000 | $ 44,000 |
| Wagoner County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Atascosa County Texas | 1 | $ 44,000 | $ 44,000 | $ 132,000 |
| Bee County Texas | 1 | $ 33,000 | $ 33,000 | $ 60,000 |
| Bowie County Texas | 1 | $ 50,000 | $ 50,000 | $ 203,000 |
| Brown County Texas | 1 | $ 112,000 | $ 112,000 | $ 416,000 |
| Cherokee County Texas | 1 | $ 44,000 | $ 44,000 | $ 141,000 |
| Colorado County Texas | 1 | $ 38,000 | $ 38,000 | $ 160,000 |
| Cooke County Texas | 1 | $ 37,000 | $ 37,000 | $ 252,000 |
| Dimmit County Texas | 1 | $ 120,000 | $ 120,000 | $ 76,000 |
| Gillespie County Texas | 1 | $ 41,000 | $ 41,000 | $ 47,000 |
| Goliad County Texas | 1 | $ 110,000 | $ 110,000 | $ 81,000 |
| Hardin County Texas | 1 | $ 35,000 | $ 35,000 | $ 145,000 |
| La Salle County Texas | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Lampasas County Texas | 1 | $ 15,000 | $ 15,000 | $ 80,000 |
| Mason County Texas | 1 | $ 83,000 | $ 83,000 | $ 170,000 |
| Orange County Texas | 1 | $ 10,000 | $ 10,000 | $ 142,000 |
| Pecos County Texas | 1 | $ 11,000 | $ 11,000 | $ 28,000 |
| Wichita County Texas | 1 | $ 31,000 | $ 31,000 | $ 201,000 |
| Young County Texas | 1 | $ 33,000 | $ 33,000 | $ 330,000 |
Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2015
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 | 4,649 | $397,395,000 | $85,000 | $24,468,000 | $172,000 | $1,639,000 |
| Refinancing | 806 | $101,158,000 | $125,000 | $10,250,000 | $137,000 | $2,045,000 |
| Home Improvement | 298 | $20,668,000 | $69,000 | $1,100,000 | $105,000 | $450,000 |
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 | 3,499 | $254,259,000 | $72,000 | $1,304,000 | $178,000 | $1,440,000 |
| Hispanic | 945 | $90,159,000 | $95,000 | $1,250,000 | $118,000 | $2,045,000 |
| Not Provided | 530 | $41,324,000 | $77,000 | $1,000,000 | $171,000 | $1,200,000 |
| Asian | 489 | $35,973,000 | $73,000 | $393,000 | $164,000 | $1,512,000 |
| Black or African American | 187 | $12,386,000 | $66,000 | $370,000 | $181,000 | $1,514,000 |
| Not applicable | 75 | $81,138,000 | $1,081,000 | $24,468,000 | $0 | $0 |
| American Indian or Alaskan Native | 20 | $3,191,000 | $159,000 | $630,000 | $170,000 | $408,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $791,000 | $98,000 | $185,000 | $199,000 | $358,000 |
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) | 5,655 | $507,035,000 | $89,000 | $24,468,000 | $166,000 | $2,045,000 |
| FHA-insured (Federal Housing Administration) | 89 | $11,194,000 | $125,000 | $337,000 | $71,000 | $823,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $617,000 | $88,000 | $184,000 | $37,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 2 | $375,000 | $187,000 | $281,000 | $91,000 | $102,000 |
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 | 3,845 | $347,025,000 | $90,000 | $24,468,000 | $172,000 | $2,045,000 |
| Application Denied By Financial Institution | 927 | $86,271,000 | $93,000 | $1,304,000 | $132,000 | $939,000 |
| Application Withdrawn By Applicant | 350 | $31,955,000 | $91,000 | $1,050,000 | $179,000 | $1,440,000 |
| Application Approved But Not Accepted | 259 | $19,036,000 | $73,000 | $417,000 | $184,000 | $1,514,000 |
| File Closed For Incompleteness | 205 | $16,494,000 | $80,000 | $773,000 | $178,000 | $602,000 |
| Loan Purchased By The Institution | 167 | $18,440,000 | $110,000 | $212,000 | $68,000 | $497,000 |
| 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 2015 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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