State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
State Bank 2003 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 | State Bank 202 West Colorado Street La Grange, TX 78945 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,341 |
| Total Mortgage Loan Application Amount | $172,643,000 |
| Average Mortgage Loan Application Amount | $182,454 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $88,727 |
| Highest Applicant Income | $1,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with State Bank. 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 State Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down State Bank'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 State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by State Bank, 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 State Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Brazos County Texas | 187 | $ 18,007,000 | $ 96,000 | $ 70,000 |
| Travis County Texas | 136 | $ 23,091,000 | $ 169,000 | $ 116,000 |
| Fayette County Texas | 127 | $ 12,893,000 | $ 101,000 | $ 83,000 |
| Harris County Texas | 101 | $ 14,909,000 | $ 147,000 | $ 85,000 |
| Williamson County Texas | 90 | $ 13,017,000 | $ 144,000 | $ 70,000 |
| Waller County Texas | 86 | $ 9,082,000 | $ 105,000 | $ 64,000 |
| Comal County Texas | 74 | $ 9,822,000 | $ 132,000 | $ 64,000 |
| Gonzales County Texas | 49 | $ 4,334,000 | $ 88,000 | $ 54,000 |
| Atascosa County Texas | 47 | $ 5,734,000 | $ 122,000 | $ 91,000 |
| Montgomery County Texas | 47 | $ 7,121,000 | $ 151,000 | $ 76,000 |
| Bastrop County Texas | 40 | $ 7,377,000 | $ 184,000 | $ 105,000 |
| Guadalupe County Texas | 25 | $ 2,982,000 | $ 119,000 | $ 71,000 |
| Lee County Texas | 23 | $ 1,972,000 | $ 85,000 | $ 78,000 |
| Hays County Texas | 22 | $ 4,047,000 | $ 183,000 | $ 105,000 |
| Lavaca County Texas | 21 | $ 1,719,000 | $ 81,000 | $ 66,000 |
| Colorado County Texas | 18 | $ 1,141,000 | $ 63,000 | $ 88,000 |
| Burnet County Texas | 17 | $ 2,817,000 | $ 165,000 | $ 79,000 |
| Dallas County Texas | 16 | $ 3,750,000 | $ 234,000 | $ 151,000 |
| Llano County Texas | 16 | $ 2,781,000 | $ 173,000 | $ 142,000 |
| Burleson County Texas | 15 | $ 1,674,000 | $ 111,000 | $ 57,000 |
| Bell County Texas | 12 | $ 1,938,000 | $ 161,000 | $ 82,000 |
| Tarrant County Texas | 12 | $ 2,080,000 | $ 173,000 | $ 36,000 |
| Bexar County Texas | 11 | $ 1,530,000 | $ 139,000 | $ 112,000 |
| Grimes County Texas | 10 | $ 562,000 | $ 56,000 | $ 51,000 |
| Robertson County Texas | 10 | $ 1,064,000 | $ 106,000 | $ 57,000 |
| Fort Bend County Texas | 8 | $ 997,000 | $ 124,000 | $ 76,000 |
| Washington County Texas | 8 | $ 1,079,000 | $ 134,000 | $ 101,000 |
| Leon County Texas | 7 | $ 1,049,000 | $ 149,000 | $ 71,000 |
| Milam County Texas | 6 | $ 476,000 | $ 79,000 | $ 61,000 |
| Brazoria County Texas | 5 | $ 709,000 | $ 141,000 | $ 139,000 |
| Collin County Texas | 5 | $ 1,048,000 | $ 209,000 | $ 110,000 |
| Denton County Texas | 5 | $ 946,000 | $ 189,000 | $ 125,000 |
| DeWitt County Texas | 5 | $ 1,252,000 | $ 250,000 | $ 108,000 |
| Galveston County Texas | 5 | $ 630,000 | $ 126,000 | $ 107,000 |
| Nueces County Texas | 5 | $ 676,000 | $ 135,000 | $ 172,000 |
| Madison County Texas | 4 | $ 556,000 | $ 139,000 | $ 77,000 |
| Aransas County Texas | 3 | $ 258,000 | $ 86,000 | $ 152,000 |
| El Paso County Texas | 3 | $ 244,000 | $ 81,000 | $ 69,000 |
| Erath County Texas | 3 | $ 500,000 | $ 166,000 | $ 119,000 |
| San Patricio County Texas | 3 | $ 228,000 | $ 76,000 | $ 48,000 |
| Boulder County Colorado | 2 | $ 390,000 | $ 195,000 | $ 65,000 |
| Cook County Illinois | 2 | $ 193,000 | $ 96,000 | $ 60,000 |
| Austin County Texas | 2 | $ 324,000 | $ 162,000 | $ 111,000 |
| Blanco County Texas | 2 | $ 189,000 | $ 94,000 | $ 38,000 |
| Bosque County Texas | 2 | $ 158,000 | $ 79,000 | $ 79,000 |
| Caldwell County Texas | 2 | $ 73,000 | $ 36,000 | $ 64,000 |
| Gillespie County Texas | 2 | $ 450,000 | $ 225,000 | $ 162,000 |
| Jim Wells County Texas | 2 | $ 203,000 | $ 101,000 | $ 114,000 |
| Lubbock County Texas | 2 | $ 117,000 | $ 58,000 | $ 42,000 |
| McLennan County Texas | 2 | $ 141,000 | $ 70,000 | $ 61,000 |
| Uvalde County Texas | 2 | $ 65,000 | $ 32,000 | $ 74,000 |
| Victoria County Texas | 2 | $ 148,000 | $ 74,000 | $ 36,000 |
| Walker County Texas | 2 | $ 222,000 | $ 111,000 | $ 144,000 |
| Maricopa County Arizona | 1 | $ 182,000 | $ 182,000 | $ 78,000 |
| Santa Clara County California | 1 | $ 606,000 | $ 606,000 | $ 280,000 |
| Kent County Delaware | 1 | $ 139,000 | $ 139,000 | $ 97,000 |
| New Castle County Delaware | 1 | $ 207,000 | $ 207,000 | $ 166,000 |
| Lancaster County Nebraska | 1 | $ 78,000 | $ 78,000 | $ 56,000 |
| Clermont County Ohio | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Angelina County Texas | 1 | $ 101,000 | $ 101,000 | $ 55,000 |
| Brown County Texas | 1 | $ 162,000 | $ 162,000 | $ 88,000 |
| Chambers County Texas | 1 | $ 196,000 | $ 196,000 | $ 79,000 |
| Deaf Smith County Texas | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
| Ector County Texas | 1 | $ 39,000 | $ 39,000 | $ 73,000 |
| Grayson County Texas | 1 | $ 162,000 | $ 162,000 | $ 98,000 |
| Gregg County Texas | 1 | $ 154,000 | $ 154,000 | $ 52,000 |
| Henderson County Texas | 1 | $ 167,000 | $ 167,000 | $ 217,000 |
| Hill County Texas | 1 | $ 53,000 | $ 53,000 | $ 26,000 |
| Hunt County Texas | 1 | $ 60,000 | $ 60,000 | $ 116,000 |
| Kendall County Texas | 1 | $ 171,000 | $ 171,000 | $ 111,000 |
| Liberty County Texas | 1 | $ 93,000 | $ 93,000 | $ 72,000 |
| Matagorda County Texas | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Maverick County Texas | 1 | $ 58,000 | $ 58,000 | $ 36,000 |
| McMullen County Texas | 1 | $ 65,000 | $ 65,000 | $ 76,000 |
| Medina County Texas | 1 | $ 160,000 | $ 160,000 | $ 116,000 |
| Polk County Texas | 1 | $ 24,000 | $ 24,000 | $ 18,000 |
| Rockwall County Texas | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Taylor County Texas | 1 | $ 285,000 | $ 285,000 | $ 444,000 |
| Wharton County Texas | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Wichita County Texas | 1 | $ 89,000 | $ 89,000 | $ 59,000 |
| Wilson County Texas | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for State Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 702 | $90,981,000 | $197,875 | $750,000 | $101,375 | $922,000 |
| Home Purchase (one-to-four family) | 600 | $78,494,000 | $130,000 | $1,000,000 | $81,000 | $1,000,000 |
| Home Improvement (one-to-four family) | 35 | $2,247,000 | $64,000 | $400,000 | $84,000 | $200,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 4 | $921,000 | $230,000 | $357,000 | $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 | 1,036 | $134,583,000 | $199,250 | $825,000 | $98,000 | $1,000,000 |
| Information not provided by applicant in mail or telephone application | 129 | $18,105,000 | $113,500 | $906,000 | $95,000 | $550,000 |
| Hispanic | 99 | $9,331,000 | $94,000 | $1,000,000 | $66,000 | $556,000 |
| Black | 32 | $3,380,000 | $105,000 | $316,000 | $66,000 | $196,000 |
| Not applicable | 20 | $3,327,000 | $166,000 | $750,000 | $0 | $0 |
| Asian or Pacific Islander | 19 | $3,367,000 | $177,000 | $750,000 | $86,000 | $219,000 |
| American Indian or Alaskan Native | 4 | $334,000 | $83,000 | $162,000 | $55,000 | $88,000 |
| Other | 2 | $216,000 | $108,000 | $121,000 | $32,000 | $40,000 |
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) | 1,340 | $172,591,000 | $197,875 | $1,000,000 | $100,875 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 1 | $52,000 | $52,000 | $52,000 | $37,000 | $37,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 1,116 | $147,603,000 | $198,250 | $1,000,000 | $101,625 | $1,000,000 |
| Application Approved But Not Accepted | 122 | $14,212,000 | $116,000 | $750,000 | $79,000 | $500,000 |
| Application Denied By Financial Institution | 97 | $10,164,000 | $104,000 | $483,000 | $59,000 | $243,000 |
| Application Withdrawn By Applicant | 4 | $502,000 | $125,000 | $192,000 | $117,000 | $150,000 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $48,000 | $48,000 |
| Loan Purchased By The Institution | 1 | $87,000 | $87,000 | $87,000 | $374,000 | $374,000 |
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 | 41 | $3,310,000 | $80,000 | $180,000 | $48,000 | $125,000 |
| Debt-To-Income Ratio | 34 | $3,364,000 | $98,000 | $448,000 | $53,000 | $229,000 |
| Other | 12 | $2,283,000 | $190,000 | $483,000 | $105,000 | $243,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $579,000 | $96,000 | $280,000 | $44,000 | $110,000 |
| Collateral | 2 | $488,000 | $244,000 | $432,000 | $88,000 | $140,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $36,000 | $36,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Bank's 2003 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 State Bank'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.