Interstate Bank, SSB Mortgage Lending & HMDA Data, 2010
In 2010, Interstate Bank, SSB of Amarillo, TX reported 438 mortgage applications totaling $46.5 million, down 18% from 2009. The average application was for $106,121, and applicants reported an average income of $56,111. 28% of its applications resulted in an originated loan and 65% were denied. Its largest markets were Amarillo, TX (64), Lubbock, TX (3) and Knoxville, TN (1) (applications in parentheses).
| Mortgage Company & Address | Interstate Bank, SSB 5085 S Coulter Amarillo, TX 79119 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 438 |
| Total Mortgage Loan Application Amount | $46,481,000 |
| Average Mortgage Loan Application Amount | $106,121 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $56,111 |
| Highest Applicant Income | $264,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Interstate Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Amarillo, TX | 64 | $ 9,681,000 | $ 151,265 | $ 70,000 |
| Lubbock, TX | 3 | $ 451,000 | $ 150,333 | $ 74,000 |
| Knoxville, TN | 1 | $ 106,000 | $ 106,000 | $ 125,000 |
| San Antonio-New Braunfels, TX | 1 | $ 250,000 | $ 250,000 | $ 112,000 |
| Tulsa, OK | 1 | $ 200,000 | $ 200,000 | $ 202,000 |
Mortgage Loan Application Detail Totals for Interstate Bank, SSB in 2010
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 | 356 | $36,703,000 | $103,000 | $400,000 | $51,000 | $246,000 |
| Refinancing | 77 | $9,621,000 | $124,000 | $355,000 | $78,000 | $264,000 |
| Home Improvement | 5 | $157,000 | $31,000 | $60,000 | $83,000 | $239,000 |
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 | 283 | $32,137,000 | $113,000 | $400,000 | $62,000 | $264,000 |
| Hispanic | 101 | $9,033,000 | $89,000 | $260,000 | $50,000 | $239,000 |
| Not Provided | 41 | $4,149,000 | $101,000 | $285,000 | $48,000 | $246,000 |
| Black or African American | 8 | $690,000 | $86,000 | $138,000 | $14,000 | $32,000 |
| Asian | 4 | $365,000 | $91,000 | $127,000 | $44,000 | $69,000 |
| American Indian or Alaskan Native | 1 | $107,000 | $107,000 | $107,000 | $26,000 | $26,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 176 | $18,852,000 | $107,000 | $262,000 | $48,000 | $148,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 142 | $15,693,000 | $110,000 | $400,000 | $78,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 104 | $9,546,000 | $91,000 | $223,000 | $42,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,390,000 | $149,000 | $310,000 | $53,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 283 | $28,361,000 | $100,000 | $320,000 | $46,000 | $264,000 |
| Loan Originated | 123 | $13,884,000 | $112,000 | $355,000 | $76,000 | $239,000 |
| Application Approved But Not Accepted | 19 | $2,720,000 | $143,000 | $400,000 | $74,000 | $224,000 |
| Application Withdrawn By Applicant | 13 | $1,516,000 | $116,000 | $255,000 | $64,000 | $118,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $440,000 | $73,000 | $124,000 | $69,000 | $246,000 |
| Debt-To-Income Ratio | 2 | $186,000 | $93,000 | $116,000 | $35,000 | $40,000 |
| Other | 1 | $113,000 | $113,000 | $113,000 | $75,000 | $75,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Interstate Bank, SSB's 2010 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 Interstate Bank, SSB'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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