International Bank Of Commerce
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
International Bank Of Commerce 2022 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 | 1,788 |
| Total Mortgage Loan Application Amount | $334,280,000 |
| Average Mortgage Loan Application Amount | $170,200 |
| Highest Mortgage Loan Application Amount | $29,295,000 |
| Average Applicant Income | $175,600 |
| Highest Applicant Income | $2,640,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 196 | $ 61,110,000 | $ 311,000 | $ 245,000 |
| Travis County Texas | 155 | $ 31,695,000 | $ 204,000 | $ 247,000 |
| Bexar County Texas | 133 | $ 29,025,000 | $ 218,000 | $ 212,000 |
| Collin County Texas | 120 | $ 18,520,000 | $ 154,000 | $ 236,000 |
| Hidalgo County Texas | 112 | $ 20,940,000 | $ 186,000 | $ 108,000 |
| Williamson County Texas | 91 | $ 15,255,000 | $ 167,000 | $ 221,000 |
| Denton County Texas | 79 | $ 12,945,000 | $ 163,000 | $ 252,000 |
| Webb County Texas | 75 | $ 15,545,000 | $ 207,000 | $ 142,000 |
| Cameron County Texas | 72 | $ 12,540,000 | $ 174,000 | $ 128,000 |
| Dallas County Texas | 70 | $ 10,750,000 | $ 153,000 | $ 221,000 |
| Montgomery County Texas | 65 | $ 9,655,000 | $ 148,000 | $ 280,000 |
| Fort Bend County Texas | 57 | $ 10,515,000 | $ 184,000 | $ 264,000 |
| Tarrant County Texas | 44 | $ 6,370,000 | $ 144,000 | $ 223,000 |
| McCurtain County Oklahoma | 43 | $ 4,645,000 | $ 108,000 | $ 289,000 |
| Hays County Texas | 38 | $ 7,080,000 | $ 186,000 | $ 208,000 |
| Tulsa County Oklahoma | 34 | $ 5,980,000 | $ 175,000 | $ 164,000 |
| Oklahoma County Oklahoma | 26 | $ 3,940,000 | $ 151,000 | $ 105,000 |
| Galveston County Texas | 23 | $ 3,485,000 | $ 151,000 | $ 269,000 |
| Nueces County Texas | 23 | $ 5,395,000 | $ 234,000 | $ 184,000 |
| Brazoria County Texas | 19 | $ 3,985,000 | $ 209,000 | $ 244,000 |
| Comal County Texas | 16 | $ 2,910,000 | $ 181,000 | $ 272,000 |
| Maverick County Texas | 16 | $ 3,930,000 | $ 245,000 | $ 314,000 |
| Ellis County Texas | 13 | $ 1,425,000 | $ 109,000 | $ 176,000 |
| Kendall County Texas | 12 | $ 1,450,000 | $ 120,000 | $ 241,000 |
| Parker County Texas | 11 | $ 1,445,000 | $ 131,000 | $ 308,000 |
| Rockwall County Texas | 11 | $ 1,195,000 | $ 108,000 | $ 222,000 |
| Brazos County Texas | 10 | $ 1,520,000 | $ 152,000 | $ 280,000 |
| Johnson County Texas | 10 | $ 1,130,000 | $ 113,000 | $ 228,000 |
| Canadian County Oklahoma | 9 | $ 1,205,000 | $ 133,000 | $ 133,000 |
| Rogers County Oklahoma | 9 | $ 1,705,000 | $ 189,000 | $ 101,000 |
| Starr County Texas | 9 | $ 1,135,000 | $ 126,000 | $ 52,000 |
| Cleveland County Oklahoma | 7 | $ 905,000 | $ 129,000 | $ 121,000 |
| Ottawa County Oklahoma | 7 | $ 695,000 | $ 99,000 | $ 78,000 |
| El Paso County Texas | 7 | $ 825,000 | $ 117,000 | $ 204,000 |
| Guadalupe County Texas | 6 | $ 1,280,000 | $ 213,000 | $ 234,000 |
| Garvin County Oklahoma | 5 | $ 375,000 | $ 75,000 | $ 98,000 |
| Lincoln County Oklahoma | 5 | $ 685,000 | $ 137,000 | $ 85,000 |
| Grayson County Texas | 5 | $ 515,000 | $ 103,000 | $ 245,000 |
| Henderson County Texas | 5 | $ 545,000 | $ 109,000 | $ 325,000 |
| Carter County Oklahoma | 4 | $ 430,000 | $ 107,000 | $ 57,000 |
| Aransas County Texas | 4 | $ 1,030,000 | $ 257,000 | $ 400,000 |
| Bell County Texas | 4 | $ 620,000 | $ 155,000 | $ 269,000 |
| Burnet County Texas | 4 | $ 1,120,000 | $ 280,000 | $ 284,000 |
| Gillespie County Texas | 4 | $ 480,000 | $ 120,000 | $ 356,000 |
| Hunt County Texas | 4 | $ 650,000 | $ 162,000 | $ 286,000 |
| San Patricio County Texas | 4 | $ 710,000 | $ 177,000 | $ 147,000 |
| Val Verde County Texas | 4 | $ 460,000 | $ 115,000 | $ 62,000 |
| Waller County Texas | 4 | $ 570,000 | $ 142,000 | $ 263,000 |
| Comanche County Oklahoma | 3 | $ 335,000 | $ 111,000 | $ 61,000 |
| Creek County Oklahoma | 3 | $ 245,000 | $ 81,000 | $ 99,000 |
| Grady County Oklahoma | 3 | $ 365,000 | $ 121,000 | $ 35,000 |
| Murray County Oklahoma | 3 | $ 155,000 | $ 51,000 | $ 79,000 |
| Wagoner County Oklahoma | 3 | $ 535,000 | $ 178,000 | $ 82,000 |
| Bastrop County Texas | 3 | $ 505,000 | $ 168,000 | $ 182,000 |
| Calhoun County Texas | 3 | $ 255,000 | $ 85,000 | $ 71,000 |
| Lubbock County Texas | 3 | $ 495,000 | $ 165,000 | $ 296,000 |
| Matagorda County Texas | 3 | $ 265,000 | $ 88,000 | $ 161,000 |
| Smith County Texas | 3 | $ 315,000 | $ 105,000 | $ 151,000 |
| Van Zandt County Texas | 3 | $ 305,000 | $ 101,000 | $ 215,000 |
| Miami-Dade County Florida | 2 | $ 2,460,000 | $ 1,230,000 | $ 2,640,000 |
| Craig County Oklahoma | 2 | $ 220,000 | $ 110,000 | $ 110,000 |
| Delaware County Oklahoma | 2 | $ 560,000 | $ 280,000 | $ 216,000 |
| Pottawatomie County Oklahoma | 2 | $ 120,000 | $ 60,000 | $ 30,000 |
| Stephens County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 64,000 |
| Bandera County Texas | 2 | $ 130,000 | $ 65,000 | $ 63,000 |
| Caldwell County Texas | 2 | $ 270,000 | $ 135,000 | $ 100,000 |
| Hardin County Texas | 2 | $ 280,000 | $ 140,000 | $ 135,000 |
| Hood County Texas | 2 | $ 120,000 | $ 60,000 | $ 154,000 |
| Jim Hogg County Texas | 2 | $ 50,000 | $ 25,000 | $ 70,000 |
| Kaufman County Texas | 2 | $ 170,000 | $ 85,000 | $ 173,000 |
| Llano County Texas | 2 | $ 430,000 | $ 215,000 | $ 181,000 |
| McLennan County Texas | 2 | $ 90,000 | $ 45,000 | $ 119,000 |
| Medina County Texas | 2 | $ 230,000 | $ 115,000 | $ 269,000 |
| Refugio County Texas | 2 | $ 120,000 | $ 60,000 | $ 43,000 |
| Taylor County Texas | 2 | $ 300,000 | $ 150,000 | $ 187,000 |
| Tom Green County Texas | 2 | $ 100,000 | $ 50,000 | $ 176,000 |
| Wise County Texas | 2 | $ 270,000 | $ 135,000 | $ 281,000 |
| Beckham County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Caddo County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Logan County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| Marshall County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 403,000 |
| McClain County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| McIntosh County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 236,000 |
| Okmulgee County Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Osage County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Pawnee County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 16,000 |
| Payne County Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Pittsburg County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 267,000 |
| Texas County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Anderson County Texas | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Atascosa County Texas | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Brown County Texas | 1 | $ 195,000 | $ 195,000 | $ 442,000 |
| Chambers County Texas | 1 | $ 125,000 | $ 125,000 | $ 177,000 |
| Cherokee County Texas | 1 | $ 235,000 | $ 235,000 | $ 255,000 |
| Colorado County Texas | 1 | $ 25,000 | $ 25,000 | $ 247,000 |
| Cooke County Texas | 1 | $ 285,000 | $ 285,000 | $ 480,000 |
| Frio County Texas | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Goliad County Texas | 1 | $ 55,000 | $ 55,000 | $ 116,000 |
| Gonzales County Texas | 1 | $ 115,000 | $ 115,000 | $ 218,000 |
| Howard County Texas | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Kerr County Texas | 1 | $ 135,000 | $ 135,000 | $ 195,000 |
| Kleberg County Texas | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Midland County Texas | 1 | $ 215,000 | $ 215,000 | $ 188,000 |
| Palo Pinto County Texas | 1 | $ 255,000 | $ 255,000 | $ 240,000 |
| Polk County Texas | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Real County Texas | 1 | $ 135,000 | $ 135,000 | $ 123,000 |
| Upshur County Texas | 1 | $ 135,000 | $ 135,000 | $ 235,000 |
| Victoria County Texas | 1 | $ 315,000 | $ 315,000 | $ 132,000 |
| Wharton County Texas | 1 | $ 25,000 | $ 25,000 | $ 135,000 |
| Wilson County Texas | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Zapata County Texas | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Zavala County Texas | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for International Bank Of Commerce in 2022
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 | 1,181 | $237,065,000 | $200,000 | $29,295,000 | $241,000 | $2,640,000 |
| Home Improvement | 216 | $23,580,000 | $109,000 | $605,000 | $161,000 | $739,000 |
| Refinancing | 151 | $26,695,000 | $176,000 | $1,325,000 | $180,000 | $1,101,000 |
| Cash-out Refinancing | 143 | $35,255,000 | $246,000 | $2,705,000 | $132,000 | $844,000 |
| Other Purpose | 97 | $11,685,000 | $120,000 | $795,000 | $164,000 | $1,518,000 |
| 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 | 736 | $114,650,000 | $155,000 | $3,125,000 | $243,000 | $2,167,000 |
| Hispanic | 495 | $92,465,000 | $186,000 | $1,805,000 | $164,000 | $2,640,000 |
| Asian | 233 | $44,755,000 | $192,000 | $2,705,000 | $208,000 | $657,000 |
| Not Provided | 158 | $23,450,000 | $148,000 | $755,000 | $238,000 | $1,114,000 |
| Black or African American | 92 | $13,400,000 | $145,000 | $645,000 | $210,000 | $1,032,000 |
| Not applicable | 32 | $38,690,000 | $1,209,000 | $29,295,000 | $0 | $0 |
| American Indian or Alaskan Native | 24 | $3,410,000 | $142,000 | $645,000 | $197,000 | $450,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $250,000 | $125,000 | $125,000 | $312,000 | $335,000 |
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) | 1,745 | $325,155,000 | $186,000 | $29,295,000 | $216,000 | $2,640,000 |
| FHA-insured (Federal Housing Administration) | 37 | $7,485,000 | $202,000 | $485,000 | $82,000 | $249,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,640,000 | $273,000 | $395,000 | $91,000 | $166,000 |
| 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 | 1,045 | $184,925,000 | $176,000 | $3,125,000 | $236,000 | $2,640,000 |
| Application Withdrawn By Applicant | 289 | $45,225,000 | $156,000 | $885,000 | $218,000 | $2,175,000 |
| Application Denied By Financial Institution | 256 | $39,240,000 | $153,000 | $2,705,000 | $174,000 | $1,518,000 |
| Loan Purchased By The Institution | 86 | $13,920,000 | $161,000 | $255,000 | $86,000 | $477,000 |
| Application Approved But Not Accepted | 58 | $38,780,000 | $668,000 | $29,295,000 | $230,000 | $940,000 |
| File Closed For Incompleteness | 54 | $12,190,000 | $225,000 | $1,325,000 | $134,000 | $1,032,000 |
| 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 | 1,532 | $295,040,000 | $192,000 | $29,295,000 | $220,000 | $2,640,000 |
| Credit History | 105 | $12,035,000 | $114,000 | $605,000 | $178,000 | $1,017,000 |
| Debt-To-Income Ratio | 103 | $19,825,000 | $192,000 | $2,705,000 | $143,000 | $657,000 |
| Other | 15 | $2,105,000 | $140,000 | $335,000 | $220,000 | $553,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,540,000 | $154,000 | $305,000 | $193,000 | $331,000 |
| Collateral | 10 | $1,260,000 | $126,000 | $355,000 | $198,000 | $451,000 |
| Credit Application Incomplete | 5 | $1,035,000 | $207,000 | $345,000 | $403,000 | $1,518,000 |
| Unverifiable Information | 5 | $1,065,000 | $213,000 | $305,000 | $252,000 | $329,000 |
| Employment History | 3 | $375,000 | $125,000 | $205,000 | $199,000 | $269,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into International Bank Of Commerce's 2022 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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