International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
International Bank Of Commerce 2016 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 | 5,668 |
| Total Mortgage Loan Application Amount | $583,668,000 |
| Average Mortgage Loan Application Amount | $102,666 |
| Highest Mortgage Loan Application Amount | $20,800,000 |
| Average Applicant Income | $145,000 |
| Highest Applicant Income | $6,068,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 970 | $ 90,496,000 | $ 93,000 | $ 174,000 |
| Travis County Texas | 681 | $ 117,566,000 | $ 172,000 | $ 210,000 |
| Collin County Texas | 384 | $ 30,545,000 | $ 79,000 | $ 195,000 |
| Denton County Texas | 365 | $ 29,245,000 | $ 80,000 | $ 190,000 |
| Fort Bend County Texas | 352 | $ 30,664,000 | $ 87,000 | $ 189,000 |
| Dallas County Texas | 321 | $ 28,374,000 | $ 88,000 | $ 197,000 |
| Bexar County Texas | 319 | $ 35,175,000 | $ 110,000 | $ 154,000 |
| Williamson County Texas | 275 | $ 26,054,000 | $ 94,000 | $ 167,000 |
| Hidalgo County Texas | 241 | $ 33,133,000 | $ 137,000 | $ 83,000 |
| Tarrant County Texas | 227 | $ 17,182,000 | $ 75,000 | $ 195,000 |
| Montgomery County Texas | 203 | $ 16,813,000 | $ 82,000 | $ 204,000 |
| Webb County Texas | 147 | $ 16,448,000 | $ 111,000 | $ 81,000 |
| Galveston County Texas | 122 | $ 9,100,000 | $ 74,000 | $ 240,000 |
| Cameron County Texas | 121 | $ 12,589,000 | $ 104,000 | $ 109,000 |
| Hays County Texas | 92 | $ 7,367,000 | $ 80,000 | $ 178,000 |
| Comal County Texas | 84 | $ 7,325,000 | $ 87,000 | $ 200,000 |
| Brazoria County Texas | 66 | $ 4,641,000 | $ 70,000 | $ 172,000 |
| Nueces County Texas | 51 | $ 7,308,000 | $ 143,000 | $ 155,000 |
| Oklahoma County Oklahoma | 48 | $ 8,224,000 | $ 171,000 | $ 106,000 |
| Tulsa County Oklahoma | 39 | $ 3,104,000 | $ 79,000 | $ 75,000 |
| Parker County Texas | 33 | $ 2,195,000 | $ 66,000 | $ 204,000 |
| Rockwall County Texas | 28 | $ 2,120,000 | $ 75,000 | $ 208,000 |
| Maverick County Texas | 26 | $ 1,752,000 | $ 67,000 | $ 52,000 |
| Brazos County Texas | 21 | $ 1,515,000 | $ 72,000 | $ 194,000 |
| Guadalupe County Texas | 18 | $ 1,540,000 | $ 85,000 | $ 96,000 |
| Waller County Texas | 17 | $ 1,160,000 | $ 68,000 | $ 184,000 |
| Stephens County Oklahoma | 14 | $ 762,000 | $ 54,000 | $ 39,000 |
| Chambers County Texas | 14 | $ 638,000 | $ 45,000 | $ 163,000 |
| Kendall County Texas | 14 | $ 1,824,000 | $ 130,000 | $ 209,000 |
| Aransas County Texas | 13 | $ 1,545,000 | $ 118,000 | $ 145,000 |
| Bell County Texas | 13 | $ 697,000 | $ 53,000 | $ 148,000 |
| Llano County Texas | 13 | $ 3,169,000 | $ 243,000 | $ 266,000 |
| Comanche County Oklahoma | 12 | $ 1,097,000 | $ 91,000 | $ 58,000 |
| Ellis County Texas | 10 | $ 763,000 | $ 76,000 | $ 181,000 |
| Johnson County Texas | 10 | $ 570,000 | $ 57,000 | $ 189,000 |
| McLennan County Texas | 10 | $ 575,000 | $ 57,000 | $ 148,000 |
| Starr County Texas | 10 | $ 659,000 | $ 65,000 | $ 44,000 |
| Cleveland County Oklahoma | 9 | $ 1,326,000 | $ 147,000 | $ 78,000 |
| Bastrop County Texas | 9 | $ 1,899,000 | $ 211,000 | $ 159,000 |
| San Patricio County Texas | 9 | $ 1,401,000 | $ 155,000 | $ 110,000 |
| Carter County Oklahoma | 8 | $ 376,000 | $ 47,000 | $ 213,000 |
| Grayson County Texas | 8 | $ 448,000 | $ 56,000 | $ 176,000 |
| Victoria County Texas | 8 | $ 582,000 | $ 72,000 | $ 206,000 |
| Bandera County Texas | 7 | $ 468,000 | $ 66,000 | $ 111,000 |
| Zapata County Texas | 7 | $ 644,000 | $ 92,000 | $ 62,000 |
| Logan County Oklahoma | 6 | $ 332,000 | $ 55,000 | $ 22,000 |
| Caldwell County Texas | 6 | $ 763,000 | $ 127,000 | $ 62,000 |
| Calhoun County Texas | 6 | $ 804,000 | $ 134,000 | $ 127,000 |
| Kleberg County Texas | 6 | $ 550,000 | $ 91,000 | $ 78,000 |
| Washington County Texas | 6 | $ 428,000 | $ 71,000 | $ 209,000 |
| Wise County Texas | 6 | $ 538,000 | $ 89,000 | $ 232,000 |
| El Paso County Texas | 5 | $ 442,000 | $ 88,000 | $ 230,000 |
| Henderson County Texas | 5 | $ 319,000 | $ 63,000 | $ 284,000 |
| Hood County Texas | 5 | $ 207,000 | $ 41,000 | $ 144,000 |
| Midland County Texas | 5 | $ 384,000 | $ 76,000 | $ 257,000 |
| Smith County Texas | 5 | $ 408,000 | $ 81,000 | $ 167,000 |
| Val Verde County Texas | 5 | $ 620,000 | $ 124,000 | $ 114,000 |
| Walker County Texas | 5 | $ 381,000 | $ 76,000 | $ 128,000 |
| Creek County Oklahoma | 4 | $ 112,000 | $ 28,000 | $ 40,000 |
| Garvin County Oklahoma | 4 | $ 160,000 | $ 40,000 | $ 32,000 |
| Lincoln County Oklahoma | 4 | $ 98,000 | $ 24,000 | $ 30,000 |
| Rogers County Oklahoma | 4 | $ 3,171,000 | $ 792,000 | $ 31,000 |
| Austin County Texas | 4 | $ 185,000 | $ 46,000 | $ 171,000 |
| Bee County Texas | 4 | $ 1,308,000 | $ 327,000 | $ 792,000 |
| Jefferson County Texas | 4 | $ 299,000 | $ 74,000 | $ 174,000 |
| Kaufman County Texas | 4 | $ 152,000 | $ 38,000 | $ 99,000 |
| Matagorda County Texas | 4 | $ 407,000 | $ 101,000 | $ 61,000 |
| Polk County Texas | 4 | $ 232,000 | $ 58,000 | $ 228,000 |
| Wilson County Texas | 4 | $ 247,000 | $ 61,000 | $ 188,000 |
| Grady County Oklahoma | 3 | $ 219,000 | $ 73,000 | $ 39,000 |
| Muskogee County Oklahoma | 3 | $ 162,000 | $ 54,000 | $ 24,000 |
| Wagoner County Oklahoma | 3 | $ 363,000 | $ 121,000 | $ 110,000 |
| Angelina County Texas | 3 | $ 114,000 | $ 38,000 | $ 226,000 |
| Burnet County Texas | 3 | $ 125,000 | $ 41,000 | $ 172,000 |
| Dimmit County Texas | 3 | $ 63,000 | $ 21,000 | $ 51,000 |
| Jim Wells County Texas | 3 | $ 92,000 | $ 30,000 | $ 65,000 |
| Liberty County Texas | 3 | $ 157,000 | $ 52,000 | $ 159,000 |
| Uvalde County Texas | 3 | $ 215,000 | $ 71,000 | $ 38,000 |
| Custer County Oklahoma | 2 | $ 248,000 | $ 124,000 | $ 42,000 |
| Delaware County Oklahoma | 2 | $ 65,000 | $ 32,000 | $ 52,000 |
| McCurtain County Oklahoma | 2 | $ 229,000 | $ 114,000 | $ 662,000 |
| Blanco County Texas | 2 | $ 218,000 | $ 109,000 | $ 258,000 |
| Ector County Texas | 2 | $ 82,000 | $ 41,000 | $ 145,000 |
| Gillespie County Texas | 2 | $ 308,000 | $ 154,000 | $ 146,000 |
| Gregg County Texas | 2 | $ 77,000 | $ 38,000 | $ 126,000 |
| Hardin County Texas | 2 | $ 62,000 | $ 31,000 | $ 136,000 |
| Houston County Texas | 2 | $ 114,000 | $ 57,000 | $ 356,000 |
| Hunt County Texas | 2 | $ 47,000 | $ 23,000 | $ 226,000 |
| Jim Hogg County Texas | 2 | $ 295,000 | $ 147,000 | $ 127,000 |
| Kinney County Texas | 2 | $ 105,000 | $ 52,000 | $ 44,000 |
| Live Oak County Texas | 2 | $ 137,000 | $ 68,000 | $ 180,000 |
| Lubbock County Texas | 2 | $ 328,000 | $ 164,000 | $ 518,000 |
| Medina County Texas | 2 | $ 97,000 | $ 48,000 | $ 137,000 |
| Milam County Texas | 2 | $ 67,000 | $ 33,000 | $ 122,000 |
| Orange County Texas | 2 | $ 62,000 | $ 31,000 | $ 140,000 |
| Randall County Texas | 2 | $ 106,000 | $ 53,000 | $ 151,000 |
| Wharton County Texas | 2 | $ 99,000 | $ 49,000 | $ 125,000 |
| Wichita County Texas | 2 | $ 148,000 | $ 74,000 | $ 123,000 |
| Zavala County Texas | 2 | $ 364,000 | $ 182,000 | $ 120,000 |
| Maricopa County Arizona | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Grand County Colorado | 1 | $ 148,000 | $ 148,000 | $ 95,000 |
| Gunnison County Colorado | 1 | $ 1,050,000 | $ 1,050,000 | $ 182,000 |
| Canadian County Oklahoma | 1 | $ 67,000 | $ 67,000 | $ 22,000 |
| Craig County Oklahoma | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Hughes County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Jefferson County Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 17,000 |
| Mayes County Oklahoma | 1 | $ 109,000 | $ 109,000 | $ 37,000 |
| McClain County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Osage County Oklahoma | 1 | $ 189,000 | $ 189,000 | $ 64,000 |
| Ottawa County Oklahoma | 1 | $ 26,000 | $ 26,000 | $ 24,000 |
| Payne County Oklahoma | 1 | $ 57,000 | $ 57,000 | $ 42,000 |
| Pittsburg County Oklahoma | 1 | $ 123,000 | $ 123,000 | $ 41,000 |
| Pottawatomie County Oklahoma | 1 | $ 8,000 | $ 8,000 | $ 29,000 |
| Washita County Oklahoma | 1 | $ 30,000 | $ 30,000 | $ 32,000 |
| Davidson County Tennessee | 1 | $ 1,675,000 | $ 1,675,000 | $ 0 |
| Atascosa County Texas | 1 | $ 156,000 | $ 156,000 | $ 110,000 |
| Childress County Texas | 1 | $ 188,000 | $ 188,000 | $ 181,000 |
| Cooke County Texas | 1 | $ 85,000 | $ 85,000 | $ 534,000 |
| Coryell County Texas | 1 | $ 25,000 | $ 25,000 | $ 120,000 |
| DeWitt County Texas | 1 | $ 62,000 | $ 62,000 | $ 52,000 |
| Erath County Texas | 1 | $ 62,000 | $ 62,000 | $ 71,000 |
| Fannin County Texas | 1 | $ 17,000 | $ 17,000 | $ 125,000 |
| Fayette County Texas | 1 | $ 34,000 | $ 34,000 | $ 71,000 |
| Franklin County Texas | 1 | $ 51,000 | $ 51,000 | $ 289,000 |
| Gaines County Texas | 1 | $ 128,000 | $ 128,000 | $ 232,000 |
| Gonzales County Texas | 1 | $ 20,000 | $ 20,000 | $ 113,000 |
| Hill County Texas | 1 | $ 55,000 | $ 55,000 | $ 149,000 |
| Lavaca County Texas | 1 | $ 73,000 | $ 73,000 | $ 183,000 |
| Leon County Texas | 1 | $ 83,000 | $ 83,000 | $ 92,000 |
| Nacogdoches County Texas | 1 | $ 233,000 | $ 233,000 | $ 345,000 |
| Newton County Texas | 1 | $ 106,000 | $ 106,000 | $ 349,000 |
| Titus County Texas | 1 | $ 103,000 | $ 103,000 | $ 228,000 |
| Van Zandt County Texas | 1 | $ 120,000 | $ 120,000 | $ 249,000 |
| Wood County Texas | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2016
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 | 4,362 | $432,314,000 | $99,000 | $20,800,000 | $187,000 | $6,068,000 |
| Refinancing | 930 | $121,447,000 | $130,000 | $2,906,000 | $139,000 | $2,908,000 |
| Home Improvement | 376 | $29,907,000 | $79,000 | $585,000 | $109,000 | $849,000 |
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 | 3,359 | $311,923,000 | $92,000 | $900,000 | $198,000 | $6,068,000 |
| Hispanic | 1,025 | $105,778,000 | $103,000 | $895,000 | $106,000 | $1,386,000 |
| Asian | 565 | $45,532,000 | $80,000 | $560,000 | $169,000 | $2,466,000 |
| Not Provided | 429 | $44,944,000 | $104,000 | $2,000,000 | $184,000 | $4,566,000 |
| Black or African American | 181 | $14,165,000 | $78,000 | $417,000 | $168,000 | $758,000 |
| Not applicable | 67 | $57,181,000 | $853,000 | $20,800,000 | $0 | $0 |
| American Indian or Alaskan Native | 28 | $2,893,000 | $103,000 | $417,000 | $119,000 | $402,000 |
| Native Hawaiin or Other Pacific Islander | 14 | $1,252,000 | $89,000 | $343,000 | $241,000 | $909,000 |
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) | 5,518 | $563,755,000 | $102,000 | $20,800,000 | $177,000 | $6,068,000 |
| FHA-insured (Federal Housing Administration) | 126 | $16,512,000 | $131,000 | $290,000 | $59,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,119,000 | $163,000 | $429,000 | $62,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,282,000 | $116,000 | $232,000 | $43,000 | $73,000 |
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 | 3,605 | $365,971,000 | $101,000 | $20,800,000 | $191,000 | $6,068,000 |
| Application Denied By Financial Institution | 875 | $92,434,000 | $105,000 | $2,000,000 | $129,000 | $1,422,000 |
| Application Withdrawn By Applicant | 355 | $33,595,000 | $94,000 | $750,000 | $178,000 | $1,420,000 |
| File Closed For Incompleteness | 308 | $32,198,000 | $104,000 | $900,000 | $170,000 | $2,908,000 |
| Loan Purchased By The Institution | 264 | $32,373,000 | $122,000 | $206,000 | $59,000 | $501,000 |
| Application Approved But Not Accepted | 261 | $27,097,000 | $103,000 | $895,000 | $199,000 | $2,466,000 |
| 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 2016 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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