International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
International Bank Of Commerce 2019 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 | 3,827 |
| Total Mortgage Loan Application Amount | $457,415,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $6,255,000 |
| Average Applicant Income | $142,400 |
| Highest Applicant Income | $5,700,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 528 | $ 61,610,000 | $ 116,000 | $ 211,000 |
| Travis County Texas | 401 | $ 50,705,000 | $ 126,000 | $ 220,000 |
| Hidalgo County Texas | 252 | $ 32,640,000 | $ 129,000 | $ 86,000 |
| Bexar County Texas | 248 | $ 41,370,000 | $ 166,000 | $ 204,000 |
| Dallas County Texas | 212 | $ 24,690,000 | $ 116,000 | $ 234,000 |
| Denton County Texas | 209 | $ 20,495,000 | $ 98,000 | $ 230,000 |
| Webb County Texas | 208 | $ 30,520,000 | $ 146,000 | $ 69,000 |
| Collin County Texas | 202 | $ 21,160,000 | $ 104,000 | $ 210,000 |
| Fort Bend County Texas | 160 | $ 16,000,000 | $ 100,000 | $ 191,000 |
| Cameron County Texas | 136 | $ 14,910,000 | $ 109,000 | $ 83,000 |
| Montgomery County Texas | 126 | $ 11,590,000 | $ 91,000 | $ 242,000 |
| Tarrant County Texas | 112 | $ 11,450,000 | $ 102,000 | $ 289,000 |
| Williamson County Texas | 106 | $ 11,620,000 | $ 109,000 | $ 182,000 |
| Hays County Texas | 90 | $ 12,650,000 | $ 140,000 | $ 192,000 |
| Galveston County Texas | 71 | $ 7,295,000 | $ 102,000 | $ 211,000 |
| Tulsa County Oklahoma | 59 | $ 8,665,000 | $ 146,000 | $ 95,000 |
| Comal County Texas | 58 | $ 5,940,000 | $ 102,000 | $ 194,000 |
| Oklahoma County Oklahoma | 45 | $ 5,525,000 | $ 122,000 | $ 160,000 |
| Nueces County Texas | 42 | $ 8,800,000 | $ 209,000 | $ 276,000 |
| Maverick County Texas | 28 | $ 2,270,000 | $ 81,000 | $ 62,000 |
| Brazoria County Texas | 25 | $ 2,055,000 | $ 82,000 | $ 145,000 |
| Rockwall County Texas | 25 | $ 2,665,000 | $ 106,000 | $ 198,000 |
| Brazos County Texas | 23 | $ 1,845,000 | $ 80,000 | $ 196,000 |
| Parker County Texas | 19 | $ 2,185,000 | $ 115,000 | $ 303,000 |
| Ellis County Texas | 17 | $ 1,445,000 | $ 85,000 | $ 172,000 |
| Kendall County Texas | 16 | $ 3,050,000 | $ 190,000 | $ 214,000 |
| Waller County Texas | 16 | $ 1,480,000 | $ 92,000 | $ 190,000 |
| Wagoner County Oklahoma | 15 | $ 2,255,000 | $ 150,000 | $ 93,000 |
| Starr County Texas | 13 | $ 905,000 | $ 69,000 | $ 59,000 |
| Bell County Texas | 12 | $ 830,000 | $ 69,000 | $ 192,000 |
| Rogers County Oklahoma | 11 | $ 1,365,000 | $ 124,000 | $ 159,000 |
| Bastrop County Texas | 11 | $ 1,485,000 | $ 135,000 | $ 94,000 |
| Lubbock County Texas | 11 | $ 1,215,000 | $ 110,000 | $ 184,000 |
| Cleveland County Oklahoma | 10 | $ 1,500,000 | $ 150,000 | $ 64,000 |
| Stephens County Oklahoma | 10 | $ 710,000 | $ 71,000 | $ 51,000 |
| Guadalupe County Texas | 10 | $ 1,100,000 | $ 110,000 | $ 170,000 |
| Burnet County Texas | 9 | $ 1,525,000 | $ 169,000 | $ 126,000 |
| Calhoun County Texas | 9 | $ 1,075,000 | $ 119,000 | $ 120,000 |
| Val Verde County Texas | 9 | $ 715,000 | $ 79,000 | $ 49,000 |
| Zapata County Texas | 9 | $ 1,395,000 | $ 155,000 | $ 54,000 |
| Johnson County Texas | 8 | $ 710,000 | $ 88,000 | $ 201,000 |
| Bandera County Texas | 7 | $ 485,000 | $ 69,000 | $ 211,000 |
| Chambers County Texas | 7 | $ 545,000 | $ 77,000 | $ 152,000 |
| Cooke County Texas | 7 | $ 1,005,000 | $ 143,000 | $ 418,000 |
| El Paso County Texas | 7 | $ 885,000 | $ 126,000 | $ 410,000 |
| Grayson County Texas | 7 | $ 625,000 | $ 89,000 | $ 262,000 |
| Matagorda County Texas | 7 | $ 745,000 | $ 106,000 | $ 95,000 |
| McLennan County Texas | 7 | $ 625,000 | $ 89,000 | $ 281,000 |
| Garvin County Oklahoma | 6 | $ 640,000 | $ 106,000 | $ 48,000 |
| Grimes County Texas | 6 | $ 780,000 | $ 130,000 | $ 255,000 |
| Jim Wells County Texas | 6 | $ 780,000 | $ 130,000 | $ 76,000 |
| Kleberg County Texas | 6 | $ 840,000 | $ 140,000 | $ 119,000 |
| Wise County Texas | 6 | $ 530,000 | $ 88,000 | $ 210,000 |
| Comanche County Oklahoma | 5 | $ 335,000 | $ 67,000 | $ 62,000 |
| Jim Hogg County Texas | 5 | $ 255,000 | $ 51,000 | $ 77,000 |
| Kaufman County Texas | 5 | $ 535,000 | $ 107,000 | $ 204,000 |
| San Patricio County Texas | 5 | $ 635,000 | $ 127,000 | $ 170,000 |
| McClain County Oklahoma | 4 | $ 280,000 | $ 70,000 | $ 42,000 |
| McCurtain County Oklahoma | 4 | $ 470,000 | $ 117,000 | $ 243,000 |
| Ottawa County Oklahoma | 4 | $ 230,000 | $ 57,000 | $ 63,000 |
| Aransas County Texas | 4 | $ 700,000 | $ 175,000 | $ 183,000 |
| Duval County Texas | 4 | $ 300,000 | $ 75,000 | $ 116,000 |
| Ector County Texas | 4 | $ 540,000 | $ 135,000 | $ 321,000 |
| Franklin County Texas | 4 | $ 440,000 | $ 110,000 | $ 538,000 |
| Gillespie County Texas | 4 | $ 750,000 | $ 187,000 | $ 230,000 |
| Midland County Texas | 4 | $ 460,000 | $ 115,000 | $ 274,000 |
| Victoria County Texas | 4 | $ 610,000 | $ 152,000 | $ 113,000 |
| Walker County Texas | 4 | $ 330,000 | $ 82,000 | $ 214,000 |
| Pawnee County Oklahoma | 3 | $ 225,000 | $ 75,000 | $ 56,000 |
| Payne County Oklahoma | 3 | $ 195,000 | $ 65,000 | $ 59,000 |
| Atascosa County Texas | 3 | $ 765,000 | $ 255,000 | $ 92,000 |
| Blanco County Texas | 3 | $ 415,000 | $ 138,000 | $ 205,000 |
| Hood County Texas | 3 | $ 415,000 | $ 138,000 | $ 268,000 |
| Llano County Texas | 3 | $ 435,000 | $ 145,000 | $ 271,000 |
| Smith County Texas | 3 | $ 245,000 | $ 81,000 | $ 221,000 |
| Uvalde County Texas | 3 | $ 305,000 | $ 101,000 | $ 224,000 |
| Van Zandt County Texas | 3 | $ 235,000 | $ 78,000 | $ 214,000 |
| Willacy County Texas | 3 | $ 115,000 | $ 38,000 | $ 44,000 |
| Los Angeles County California | 2 | $ 1,030,000 | $ 515,000 | $ 150,000 |
| Canadian County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 101,000 |
| Carter County Oklahoma | 2 | $ 220,000 | $ 110,000 | $ 74,000 |
| Creek County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 44,000 |
| Delaware County Oklahoma | 2 | $ 280,000 | $ 140,000 | $ 39,000 |
| Kay County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 80,000 |
| Logan County Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 38,000 |
| Mayes County Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 41,000 |
| Murray County Oklahoma | 2 | $ 340,000 | $ 170,000 | $ 46,000 |
| Caldwell County Texas | 2 | $ 90,000 | $ 45,000 | $ 44,000 |
| Camp County Texas | 2 | $ 100,000 | $ 50,000 | $ 559,000 |
| DeWitt County Texas | 2 | $ 210,000 | $ 105,000 | $ 180,000 |
| Jefferson County Texas | 2 | $ 230,000 | $ 115,000 | $ 155,000 |
| Karnes County Texas | 2 | $ 100,000 | $ 50,000 | $ 185,000 |
| Medina County Texas | 2 | $ 210,000 | $ 105,000 | $ 190,000 |
| Orange County Texas | 2 | $ 200,000 | $ 100,000 | $ 123,000 |
| Polk County Texas | 2 | $ 160,000 | $ 80,000 | $ 303,000 |
| San Jacinto County Texas | 2 | $ 140,000 | $ 70,000 | $ 251,000 |
| Titus County Texas | 2 | $ 140,000 | $ 70,000 | $ 128,000 |
| Washington County Texas | 2 | $ 260,000 | $ 130,000 | $ 400,000 |
| Wilson County Texas | 2 | $ 450,000 | $ 225,000 | $ 212,000 |
| Custer County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 16,000 |
| Garfield County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 116,000 |
| Grady County Oklahoma | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Jackson County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Kingfisher County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 16,000 |
| Lincoln County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Noble County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Okmulgee County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Pottawatomie County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 156,000 |
| Austin County Texas | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Bosque County Texas | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Colorado County Texas | 1 | $ 15,000 | $ 15,000 | $ 244,000 |
| Comanche County Texas | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Dimmit County Texas | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Hardin County Texas | 1 | $ 85,000 | $ 85,000 | $ 210,000 |
| Henderson County Texas | 1 | $ 185,000 | $ 185,000 | $ 390,000 |
| Hill County Texas | 1 | $ 15,000 | $ 15,000 | $ 86,000 |
| Howard County Texas | 1 | $ 95,000 | $ 95,000 | $ 116,000 |
| Hunt County Texas | 1 | $ 75,000 | $ 75,000 | $ 269,000 |
| La Salle County Texas | 1 | $ 55,000 | $ 55,000 | $ 165,000 |
| Lamb County Texas | 1 | $ 15,000 | $ 15,000 | $ 205,000 |
| Lampasas County Texas | 1 | $ 95,000 | $ 95,000 | $ 253,000 |
| Lavaca County Texas | 1 | $ 85,000 | $ 85,000 | $ 171,000 |
| Liberty County Texas | 1 | $ 85,000 | $ 85,000 | $ 245,000 |
| Lynn County Texas | 1 | $ 85,000 | $ 85,000 | $ 166,000 |
| Palo Pinto County Texas | 1 | $ 215,000 | $ 215,000 | $ 685,000 |
| Randall County Texas | 1 | $ 95,000 | $ 95,000 | $ 440,000 |
| Taylor County Texas | 1 | $ 185,000 | $ 185,000 | $ 185,000 |
| Wharton County Texas | 1 | $ 95,000 | $ 95,000 | $ 86,000 |
| Wichita County Texas | 1 | $ 55,000 | $ 55,000 | $ 138,000 |
| Zavala County Texas | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2019
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 | 2,526 | $308,550,000 | $122,000 | $2,185,000 | $210,000 | $5,700,000 |
| Refinancing | 594 | $81,010,000 | $136,000 | $6,255,000 | $183,000 | $1,416,000 |
| Home Improvement | 278 | $19,860,000 | $71,000 | $505,000 | $129,000 | $1,733,000 |
| Cash-out Refinancing | 239 | $33,335,000 | $139,000 | $1,055,000 | $105,000 | $587,000 |
| Other Purpose | 190 | $14,660,000 | $77,000 | $485,000 | $85,000 | $415,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,017 | $223,625,000 | $110,000 | $1,055,000 | $227,000 | $5,700,000 |
| Hispanic | 977 | $108,275,000 | $110,000 | $755,000 | $107,000 | $2,816,000 |
| Not Provided | 398 | $56,610,000 | $142,000 | $845,000 | $193,000 | $1,072,000 |
| Asian | 221 | $25,245,000 | $114,000 | $755,000 | $172,000 | $675,000 |
| Black or African American | 116 | $12,610,000 | $108,000 | $485,000 | $172,000 | $998,000 |
| Not applicable | 35 | $23,545,000 | $672,000 | $6,255,000 | $32,000 | $32,000 |
| American Indian or Alaskan Native | 24 | $3,490,000 | $145,000 | $355,000 | $112,000 | $373,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $790,000 | $131,000 | $255,000 | $279,000 | $424,000 |
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) | 3,654 | $431,200,000 | $118,000 | $6,255,000 | $192,000 | $5,700,000 |
| FHA-insured (Federal Housing Administration) | 147 | $22,025,000 | $149,000 | $355,000 | $63,000 | $367,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,765,000 | $162,000 | $305,000 | $55,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,425,000 | $158,000 | $315,000 | $49,000 | $90,000 |
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 | 2,395 | $291,705,000 | $121,000 | $6,255,000 | $213,000 | $2,816,000 |
| Application Denied By Financial Institution | 530 | $53,370,000 | $100,000 | $1,055,000 | $137,000 | $5,700,000 |
| Application Withdrawn By Applicant | 421 | $49,945,000 | $118,000 | $715,000 | $176,000 | $1,416,000 |
| Loan Purchased By The Institution | 199 | $28,745,000 | $144,000 | $235,000 | $65,000 | $307,000 |
| Application Approved But Not Accepted | 162 | $17,790,000 | $109,000 | $585,000 | $180,000 | $1,111,000 |
| File Closed For Incompleteness | 120 | $15,860,000 | $132,000 | $845,000 | $148,000 | $585,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,297 | $404,045,000 | $122,000 | $6,255,000 | $195,000 | $2,816,000 |
| Credit History | 275 | $22,915,000 | $83,000 | $755,000 | $131,000 | $1,036,000 |
| Debt-To-Income Ratio | 148 | $18,510,000 | $125,000 | $1,055,000 | $90,000 | $423,000 |
| Other | 57 | $5,325,000 | $93,000 | $305,000 | $277,000 | $5,700,000 |
| Collateral | 25 | $3,645,000 | $145,000 | $545,000 | $154,000 | $563,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,470,000 | $122,000 | $485,000 | $149,000 | $398,000 |
| Employment History | 9 | $1,255,000 | $139,000 | $195,000 | $143,000 | $220,000 |
| Unverifiable Information | 3 | $225,000 | $75,000 | $125,000 | $89,000 | $186,000 |
| Credit Application Incomplete | 1 | $25,000 | $25,000 | $25,000 | $134,000 | $134,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into International Bank Of Commerce's 2019 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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