Southstar Bank, S.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Southstar Bank, S.S.B. 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 | Southstar Bank, S.S.B. 100 S. Main Moulton, TX 77975 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 | 408 |
| Total Mortgage Loan Application Amount | $204,530,000 |
| Average Mortgage Loan Application Amount | $335,200 |
| Highest Mortgage Loan Application Amount | $3,125,000 |
| Average Applicant Income | $224,400 |
| Highest Applicant Income | $5,346,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Southstar Bank, S.S.B.. 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 Southstar Bank, S.S.B.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Southstar Bank, S.S.B.'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 Southstar Bank, S.S.B. serves its applicants.
Each category highlights the total number of mortgage applications processed by Southstar Bank, S.S.B., 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 Southstar Bank, S.S.B.'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 |
|---|---|---|---|---|
| Travis County Texas | 91 | $ 66,285,000 | $ 728,000 | $ 351,000 |
| Williamson County Texas | 58 | $ 29,090,000 | $ 501,000 | $ 262,000 |
| Hays County Texas | 33 | $ 21,645,000 | $ 655,000 | $ 628,000 |
| Robertson County Texas | 28 | $ 7,220,000 | $ 257,000 | $ 222,000 |
| Harris County Texas | 24 | $ 8,410,000 | $ 350,000 | $ 290,000 |
| Kerr County Texas | 18 | $ 6,320,000 | $ 351,000 | $ 155,000 |
| Bell County Texas | 14 | $ 4,240,000 | $ 302,000 | $ 202,000 |
| Burnet County Texas | 13 | $ 4,645,000 | $ 357,000 | $ 127,000 |
| Gillespie County Texas | 8 | $ 4,000,000 | $ 500,000 | $ 181,000 |
| Bexar County Texas | 6 | $ 1,110,000 | $ 185,000 | $ 216,000 |
| Gonzales County Texas | 6 | $ 1,260,000 | $ 210,000 | $ 157,000 |
| Montgomery County Texas | 6 | $ 1,430,000 | $ 238,000 | $ 230,000 |
| Bastrop County Texas | 5 | $ 1,525,000 | $ 305,000 | $ 107,000 |
| Brazos County Texas | 5 | $ 1,395,000 | $ 279,000 | $ 126,000 |
| Comal County Texas | 5 | $ 2,495,000 | $ 499,000 | $ 266,000 |
| Milam County Texas | 5 | $ 1,915,000 | $ 383,000 | $ 161,000 |
| Aransas County Texas | 4 | $ 2,410,000 | $ 602,000 | $ 708,000 |
| Blanco County Texas | 4 | $ 1,290,000 | $ 322,000 | $ 115,000 |
| Brazoria County Texas | 4 | $ 470,000 | $ 117,000 | $ 118,000 |
| Fort Bend County Texas | 4 | $ 1,420,000 | $ 355,000 | $ 179,000 |
| Lavaca County Texas | 4 | $ 1,180,000 | $ 295,000 | $ 178,000 |
| Caldwell County Texas | 3 | $ 1,615,000 | $ 538,000 | $ 213,000 |
| Collin County Texas | 3 | $ 1,145,000 | $ 381,000 | $ 152,000 |
| Llano County Texas | 3 | $ 2,175,000 | $ 725,000 | $ 311,000 |
| McLennan County Texas | 3 | $ 895,000 | $ 298,000 | $ 119,000 |
| Nueces County Texas | 3 | $ 1,815,000 | $ 605,000 | $ 269,000 |
| Uvalde County Texas | 3 | $ 555,000 | $ 185,000 | $ 178,000 |
| New York County New York | 2 | $ 3,600,000 | $ 1,800,000 | $ 1,236,000 |
| Grimes County Texas | 2 | $ 1,210,000 | $ 605,000 | $ 270,000 |
| Guadalupe County Texas | 2 | $ 450,000 | $ 225,000 | $ 133,000 |
| Kimble County Texas | 2 | $ 840,000 | $ 420,000 | $ 142,000 |
| Lampasas County Texas | 2 | $ 460,000 | $ 230,000 | $ 100,000 |
| Lee County Texas | 2 | $ 1,060,000 | $ 530,000 | $ 188,000 |
| Live Oak County Texas | 2 | $ 440,000 | $ 220,000 | $ 75,000 |
| Parker County Texas | 2 | $ 950,000 | $ 475,000 | $ 125,000 |
| Wilson County Texas | 2 | $ 3,440,000 | $ 1,720,000 | $ 531,000 |
| Washington County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 165,000 |
| Alameda County California | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Los Angeles County California | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Placer County California | 1 | $ 815,000 | $ 815,000 | $ 196,000 |
| Riverside County California | 1 | $ 455,000 | $ 455,000 | $ 84,000 |
| Sacramento County California | 1 | $ 515,000 | $ 515,000 | $ 136,000 |
| Sonoma County California | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Marion County Florida | 1 | $ 565,000 | $ 565,000 | $ 190,000 |
| Miami-Dade County Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 454,000 |
| Palm Beach County Florida | 1 | $ 2,625,000 | $ 2,625,000 | $ 750,000 |
| Valencia County New Mexico | 1 | $ 415,000 | $ 415,000 | $ 96,000 |
| Franklin County Ohio | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Calhoun County Texas | 1 | $ 35,000 | $ 35,000 | $ 226,000 |
| Cameron County Texas | 1 | $ 435,000 | $ 435,000 | $ 473,000 |
| Comanche County Texas | 1 | $ 225,000 | $ 225,000 | $ 749,000 |
| Coryell County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Dallas County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Galveston County Texas | 1 | $ 425,000 | $ 425,000 | $ 117,000 |
| Grayson County Texas | 1 | $ 1,085,000 | $ 1,085,000 | $ 260,000 |
| Jackson County Texas | 1 | $ 525,000 | $ 525,000 | $ 99,000 |
| Kendall County Texas | 1 | $ 605,000 | $ 605,000 | $ 207,000 |
| Kleberg County Texas | 1 | $ 255,000 | $ 255,000 | $ 310,000 |
| Leon County Texas | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Limestone County Texas | 1 | $ 565,000 | $ 565,000 | $ 481,000 |
| Orange County Texas | 1 | $ 905,000 | $ 905,000 | $ 226,000 |
| Presidio County Texas | 1 | $ 325,000 | $ 325,000 | $ 356,000 |
| San Saba County Texas | 1 | $ 55,000 | $ 55,000 | $ 13,000 |
Mortgage Loan Application Detail Totals for Southstar Bank, S.S.B. 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 | 269 | $150,625,000 | $559,000 | $3,125,000 | $325,000 | $5,346,000 |
| Cash-out Refinancing | 80 | $32,160,000 | $402,000 | $2,005,000 | $239,000 | $1,680,000 |
| Refinancing | 44 | $19,350,000 | $439,000 | $1,235,000 | $252,000 | $880,000 |
| Other Purpose | 10 | $2,030,000 | $203,000 | $705,000 | $169,000 | $310,000 |
| Home Improvement | 5 | $365,000 | $73,000 | $155,000 | $137,000 | $165,000 |
| 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 | 227 | $121,555,000 | $535,000 | $3,095,000 | $281,000 | $3,842,000 |
| Not applicable | 52 | $19,610,000 | $377,000 | $1,445,000 | $0 | $0 |
| Not Provided | 52 | $29,230,000 | $562,000 | $3,125,000 | $452,000 | $5,346,000 |
| Hispanic | 41 | $15,795,000 | $385,000 | $1,435,000 | $209,000 | $1,003,000 |
| Asian | 19 | $10,205,000 | $537,000 | $1,105,000 | $248,000 | $669,000 |
| Black or African American | 7 | $1,955,000 | $279,000 | $555,000 | $93,000 | $162,000 |
| American Indian or Alaskan Native | 4 | $1,230,000 | $307,000 | $455,000 | $111,000 | $218,000 |
| Native Hawaiian or Other Pacific Islander | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 405 | $203,165,000 | $501,000 | $3,125,000 | $294,000 | $5,346,000 |
| VA-guaranteed (Veterans Administration) | 2 | $1,230,000 | $615,000 | $815,000 | $146,000 | $196,000 |
| FHA-insured (Federal Housing Administration) | 1 | $135,000 | $135,000 | $135,000 | $53,000 | $53,000 |
| 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 | 202 | $114,570,000 | $567,000 | $3,125,000 | $359,000 | $5,346,000 |
| Application Withdrawn By Applicant | 90 | $41,050,000 | $456,000 | $1,505,000 | $208,000 | $801,000 |
| Application Approved But Not Accepted | 49 | $27,505,000 | $561,000 | $3,095,000 | $308,000 | $1,680,000 |
| Application Denied By Financial Institution | 39 | $13,245,000 | $339,000 | $2,625,000 | $174,000 | $888,000 |
| Loan Purchased By The Institution | 25 | $6,975,000 | $279,000 | $695,000 | $0 | $0 |
| File Closed For Incompleteness | 3 | $1,185,000 | $395,000 | $505,000 | $204,000 | $218,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 408 | $204,530,000 | $501,000 | $3,125,000 | $292,000 | $5,346,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southstar Bank, S.S.B.'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 Southstar Bank, S.S.B.'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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.