International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
International Bank Of Commerce 2021 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 | 2,665 |
| Total Mortgage Loan Application Amount | $558,645,000 |
| Average Mortgage Loan Application Amount | $164,400 |
| Highest Mortgage Loan Application Amount | $49,915,000 |
| Average Applicant Income | $170,200 |
| Highest Applicant Income | $9,037,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 380 | $ 74,190,000 | $ 195,000 | $ 248,000 |
| Travis County Texas | 232 | $ 98,370,000 | $ 424,000 | $ 237,000 |
| Collin County Texas | 198 | $ 24,180,000 | $ 122,000 | $ 226,000 |
| Bexar County Texas | 191 | $ 45,045,000 | $ 235,000 | $ 184,000 |
| Dallas County Texas | 158 | $ 21,520,000 | $ 136,000 | $ 223,000 |
| Hidalgo County Texas | 151 | $ 37,325,000 | $ 247,000 | $ 131,000 |
| Denton County Texas | 130 | $ 16,330,000 | $ 125,000 | $ 243,000 |
| Webb County Texas | 117 | $ 26,805,000 | $ 229,000 | $ 120,000 |
| Fort Bend County Texas | 112 | $ 16,570,000 | $ 147,000 | $ 249,000 |
| Cameron County Texas | 94 | $ 15,730,000 | $ 167,000 | $ 152,000 |
| Williamson County Texas | 93 | $ 52,975,000 | $ 569,000 | $ 210,000 |
| Montgomery County Texas | 86 | $ 16,240,000 | $ 188,000 | $ 252,000 |
| Tarrant County Texas | 85 | $ 10,795,000 | $ 127,000 | $ 258,000 |
| Galveston County Texas | 53 | $ 7,345,000 | $ 138,000 | $ 278,000 |
| Tulsa County Oklahoma | 50 | $ 8,360,000 | $ 167,000 | $ 116,000 |
| Hays County Texas | 50 | $ 7,590,000 | $ 151,000 | $ 243,000 |
| Comal County Texas | 40 | $ 5,600,000 | $ 140,000 | $ 218,000 |
| Oklahoma County Oklahoma | 30 | $ 3,780,000 | $ 126,000 | $ 123,000 |
| Nueces County Texas | 20 | $ 4,090,000 | $ 204,000 | $ 260,000 |
| Parker County Texas | 18 | $ 2,320,000 | $ 128,000 | $ 252,000 |
| Johnson County Texas | 16 | $ 1,490,000 | $ 93,000 | $ 211,000 |
| Maverick County Texas | 16 | $ 1,610,000 | $ 100,000 | $ 80,000 |
| Rockwall County Texas | 16 | $ 1,860,000 | $ 116,000 | $ 282,000 |
| Brazoria County Texas | 15 | $ 2,195,000 | $ 146,000 | $ 194,000 |
| Ellis County Texas | 13 | $ 1,395,000 | $ 107,000 | $ 194,000 |
| Brazos County Texas | 10 | $ 1,270,000 | $ 127,000 | $ 359,000 |
| Bastrop County Texas | 9 | $ 1,385,000 | $ 153,000 | $ 225,000 |
| Midland County Texas | 9 | $ 1,345,000 | $ 149,000 | $ 322,000 |
| Starr County Texas | 9 | $ 1,005,000 | $ 111,000 | $ 75,000 |
| Cleveland County Oklahoma | 8 | $ 1,330,000 | $ 166,000 | $ 136,000 |
| Rogers County Oklahoma | 8 | $ 950,000 | $ 118,000 | $ 76,000 |
| Burnet County Texas | 8 | $ 1,160,000 | $ 145,000 | $ 226,000 |
| Kendall County Texas | 8 | $ 1,260,000 | $ 157,000 | $ 219,000 |
| Waller County Texas | 8 | $ 1,080,000 | $ 135,000 | $ 247,000 |
| Grady County Oklahoma | 7 | $ 645,000 | $ 92,000 | $ 98,000 |
| Stephens County Oklahoma | 7 | $ 615,000 | $ 87,000 | $ 42,000 |
| Grayson County Texas | 7 | $ 865,000 | $ 123,000 | $ 184,000 |
| McLennan County Texas | 7 | $ 465,000 | $ 66,000 | $ 232,000 |
| Aransas County Texas | 6 | $ 1,290,000 | $ 215,000 | $ 268,000 |
| Bell County Texas | 6 | $ 640,000 | $ 106,000 | $ 240,000 |
| El Paso County Texas | 6 | $ 990,000 | $ 165,000 | $ 391,000 |
| Henderson County Texas | 6 | $ 1,020,000 | $ 170,000 | $ 397,000 |
| Hunt County Texas | 6 | $ 690,000 | $ 115,000 | $ 167,000 |
| Wise County Texas | 6 | $ 780,000 | $ 130,000 | $ 280,000 |
| McCurtain County Oklahoma | 5 | $ 565,000 | $ 113,000 | $ 304,000 |
| Llano County Texas | 5 | $ 5,555,000 | $ 1,111,000 | $ 813,000 |
| Victoria County Texas | 5 | $ 605,000 | $ 121,000 | $ 1,972,000 |
| Canadian County Oklahoma | 4 | $ 600,000 | $ 150,000 | $ 56,000 |
| Custer County Oklahoma | 4 | $ 280,000 | $ 70,000 | $ 84,000 |
| McClain County Oklahoma | 4 | $ 480,000 | $ 120,000 | $ 102,000 |
| Wagoner County Oklahoma | 4 | $ 860,000 | $ 215,000 | $ 145,000 |
| Chambers County Texas | 4 | $ 1,140,000 | $ 285,000 | $ 304,000 |
| Jefferson County Texas | 4 | $ 300,000 | $ 75,000 | $ 306,000 |
| Smith County Texas | 4 | $ 550,000 | $ 137,000 | $ 294,000 |
| Carter County Oklahoma | 3 | $ 455,000 | $ 151,000 | $ 80,000 |
| Comanche County Oklahoma | 3 | $ 355,000 | $ 118,000 | $ 73,000 |
| Creek County Oklahoma | 3 | $ 415,000 | $ 138,000 | $ 49,000 |
| Mayes County Oklahoma | 3 | $ 625,000 | $ 208,000 | $ 243,000 |
| Murray County Oklahoma | 3 | $ 645,000 | $ 215,000 | $ 95,000 |
| Dimmit County Texas | 3 | $ 315,000 | $ 105,000 | $ 126,000 |
| Ector County Texas | 3 | $ 535,000 | $ 178,000 | $ 278,000 |
| Guadalupe County Texas | 3 | $ 525,000 | $ 175,000 | $ 45,000 |
| Hood County Texas | 3 | $ 215,000 | $ 71,000 | $ 158,000 |
| Lubbock County Texas | 3 | $ 115,000 | $ 38,000 | $ 123,000 |
| Matagorda County Texas | 3 | $ 315,000 | $ 105,000 | $ 58,000 |
| Washington County Texas | 3 | $ 325,000 | $ 108,000 | $ 333,000 |
| Wilson County Texas | 3 | $ 205,000 | $ 68,000 | $ 168,000 |
| Zapata County Texas | 3 | $ 245,000 | $ 81,000 | $ 32,000 |
| Beckham County Oklahoma | 2 | $ 250,000 | $ 125,000 | $ 67,000 |
| Payne County Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 123,000 |
| Brown County Texas | 2 | $ 210,000 | $ 105,000 | $ 303,000 |
| Calhoun County Texas | 2 | $ 250,000 | $ 125,000 | $ 174,000 |
| Fannin County Texas | 2 | $ 380,000 | $ 190,000 | $ 135,000 |
| Franklin County Texas | 2 | $ 160,000 | $ 80,000 | $ 376,000 |
| Gillespie County Texas | 2 | $ 240,000 | $ 120,000 | $ 229,000 |
| Jasper County Texas | 2 | $ 390,000 | $ 195,000 | $ 168,000 |
| Kaufman County Texas | 2 | $ 140,000 | $ 70,000 | $ 190,000 |
| Kerr County Texas | 2 | $ 260,000 | $ 130,000 | $ 229,000 |
| Navarro County Texas | 2 | $ 160,000 | $ 80,000 | $ 360,000 |
| San Jacinto County Texas | 2 | $ 50,000 | $ 25,000 | $ 273,000 |
| San Patricio County Texas | 2 | $ 6,460,000 | $ 3,230,000 | $ 16,000 |
| Val Verde County Texas | 2 | $ 110,000 | $ 55,000 | $ 37,000 |
| Walker County Texas | 2 | $ 200,000 | $ 100,000 | $ 137,000 |
| Wharton County Texas | 2 | $ 150,000 | $ 75,000 | $ 224,000 |
| Pitkin County Colorado | 1 | $ 4,405,000 | $ 4,405,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 435,000 | $ 435,000 | $ 331,000 |
| Orleans County Louisiana | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Garfield County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Garvin County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Haskell County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 19,000 |
| Kingfisher County Oklahoma | 1 | $ 45,000 | $ 45,000 | $ 118,000 |
| Muskogee County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Noble County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Osage County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 125,000 |
| Ottawa County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 26,000 |
| Pittsburg County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 406,000 |
| Seminole County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 11,000 |
| Sequoyah County Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 901,000 |
| Austin County Texas | 1 | $ 125,000 | $ 125,000 | $ 281,000 |
| Bandera County Texas | 1 | $ 65,000 | $ 65,000 | $ 242,000 |
| Bee County Texas | 1 | $ 135,000 | $ 135,000 | $ 265,000 |
| Blanco County Texas | 1 | $ 115,000 | $ 115,000 | $ 248,000 |
| Brooks County Texas | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Burleson County Texas | 1 | $ 45,000 | $ 45,000 | $ 273,000 |
| Caldwell County Texas | 1 | $ 145,000 | $ 145,000 | $ 121,000 |
| Cass County Texas | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Cherokee County Texas | 1 | $ 85,000 | $ 85,000 | $ 176,000 |
| Cooke County Texas | 1 | $ 355,000 | $ 355,000 | $ 242,000 |
| Coryell County Texas | 1 | $ 115,000 | $ 115,000 | $ 234,000 |
| Erath County Texas | 1 | $ 105,000 | $ 105,000 | $ 242,000 |
| Garza County Texas | 1 | $ 55,000 | $ 55,000 | $ 287,000 |
| Gonzales County Texas | 1 | $ 315,000 | $ 315,000 | $ 93,000 |
| Gregg County Texas | 1 | $ 105,000 | $ 105,000 | $ 242,000 |
| Grimes County Texas | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Hardin County Texas | 1 | $ 85,000 | $ 85,000 | $ 187,000 |
| Hill County Texas | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Jim Hogg County Texas | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Jim Wells County Texas | 1 | $ 155,000 | $ 155,000 | $ 226,000 |
| Kinney County Texas | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Kleberg County Texas | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Lavaca County Texas | 1 | $ 145,000 | $ 145,000 | $ 333,000 |
| Live Oak County Texas | 1 | $ 75,000 | $ 75,000 | $ 274,000 |
| Polk County Texas | 1 | $ 155,000 | $ 155,000 | $ 930,000 |
| Tom Green County Texas | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| Van Zandt County Texas | 1 | $ 95,000 | $ 95,000 | $ 415,000 |
| Willacy County Texas | 1 | $ 675,000 | $ 675,000 | $ 165,000 |
| Zavala County Texas | 1 | $ 15,000 | $ 15,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2021
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 | 1,748 | $397,870,000 | $227,000 | $49,915,000 | $233,000 | $2,817,000 |
| Refinancing | 661 | $121,005,000 | $183,000 | $14,775,000 | $211,000 | $9,037,000 |
| Cash-out Refinancing | 139 | $27,065,000 | $194,000 | $955,000 | $116,000 | $646,000 |
| Home Improvement | 61 | $5,295,000 | $86,000 | $255,000 | $170,000 | $762,000 |
| Other Purpose | 56 | $7,410,000 | $132,000 | $625,000 | $121,000 | $533,000 |
| 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 | 1,264 | $179,540,000 | $142,000 | $3,505,000 | $249,000 | $9,037,000 |
| Hispanic | 656 | $106,040,000 | $161,000 | $1,335,000 | $146,000 | $949,000 |
| Asian | 299 | $42,895,000 | $143,000 | $615,000 | $209,000 | $1,327,000 |
| Not Provided | 236 | $40,320,000 | $170,000 | $1,905,000 | $272,000 | $2,817,000 |
| Black or African American | 100 | $14,610,000 | $146,000 | $545,000 | $191,000 | $701,000 |
| Not applicable | 55 | $168,035,000 | $3,055,000 | $49,915,000 | $0 | $0 |
| American Indian or Alaskan Native | 26 | $3,490,000 | $134,000 | $415,000 | $118,000 | $385,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $295,000 | $98,000 | $175,000 | $198,000 | $263,000 |
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) | 2,615 | $548,125,000 | $209,000 | $49,915,000 | $220,000 | $9,037,000 |
| FHA-insured (Federal Housing Administration) | 47 | $10,065,000 | $214,000 | $395,000 | $80,000 | $285,000 |
| VA-guaranteed (Veterans Administration) | 3 | $455,000 | $151,000 | $175,000 | $50,000 | $67,000 |
| 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 | 1,619 | $394,575,000 | $243,000 | $49,915,000 | $246,000 | $9,037,000 |
| Application Withdrawn By Applicant | 471 | $72,605,000 | $154,000 | $905,000 | $214,000 | $1,100,000 |
| Application Denied By Financial Institution | 279 | $41,135,000 | $147,000 | $1,735,000 | $156,000 | $949,000 |
| Loan Purchased By The Institution | 133 | $21,945,000 | $165,000 | $245,000 | $54,000 | $120,000 |
| Application Approved But Not Accepted | 93 | $14,255,000 | $153,000 | $865,000 | $235,000 | $683,000 |
| File Closed For Incompleteness | 70 | $14,130,000 | $201,000 | $855,000 | $161,000 | $749,000 |
| 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 | 2,386 | $517,510,000 | $216,000 | $49,915,000 | $225,000 | $9,037,000 |
| Credit History | 143 | $17,355,000 | $121,000 | $505,000 | $174,000 | $707,000 |
| Debt-To-Income Ratio | 95 | $14,895,000 | $156,000 | $545,000 | $113,000 | $949,000 |
| Other | 16 | $2,480,000 | $155,000 | $395,000 | $249,000 | $809,000 |
| Collateral | 14 | $3,820,000 | $272,000 | $1,735,000 | $153,000 | $312,000 |
| Employment History | 6 | $1,090,000 | $181,000 | $525,000 | $136,000 | $236,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $405,000 | $135,000 | $255,000 | $171,000 | $248,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $103,000 | $103,000 |
| Unverifiable Information | 1 | $955,000 | $955,000 | $955,000 | $480,000 | $480,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into International Bank Of Commerce's 2021 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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