State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
State Bank 2004 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 | 913 |
| Total Mortgage Loan Application Amount | $118,274,000 |
| Average Mortgage Loan Application Amount | $242,285 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $2,272,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 138 | $ 14,758,000 | $ 106,000 | $ 50,000 |
| Harris County Texas | 90 | $ 14,957,000 | $ 166,000 | $ 147,000 |
| Travis County Texas | 89 | $ 17,192,000 | $ 193,000 | $ 120,000 |
| Fayette County Texas | 66 | $ 7,508,000 | $ 113,000 | $ 60,000 |
| Williamson County Texas | 48 | $ 7,510,000 | $ 156,000 | $ 69,000 |
| Waller County Texas | 47 | $ 4,521,000 | $ 96,000 | $ 67,000 |
| Comal County Texas | 45 | $ 7,890,000 | $ 175,000 | $ 59,000 |
| Burleson County Texas | 44 | $ 1,930,000 | $ 43,000 | $ 37,000 |
| Atascosa County Texas | 40 | $ 3,737,000 | $ 93,000 | $ 75,000 |
| Gonzales County Texas | 34 | $ 2,354,000 | $ 69,000 | $ 61,000 |
| Lee County Texas | 31 | $ 1,292,000 | $ 41,000 | $ 31,000 |
| Montgomery County Texas | 28 | $ 4,414,000 | $ 157,000 | $ 91,000 |
| Bastrop County Texas | 18 | $ 3,285,000 | $ 182,000 | $ 111,000 |
| Colorado County Texas | 17 | $ 1,847,000 | $ 108,000 | $ 67,000 |
| Bexar County Texas | 11 | $ 1,933,000 | $ 175,000 | $ 46,000 |
| Hays County Texas | 11 | $ 1,673,000 | $ 152,000 | $ 106,000 |
| Tarrant County Texas | 11 | $ 1,928,000 | $ 175,000 | $ 127,000 |
| Bell County Texas | 10 | $ 915,000 | $ 91,000 | $ 83,000 |
| Guadalupe County Texas | 10 | $ 1,207,000 | $ 120,000 | $ 47,000 |
| Fort Bend County Texas | 9 | $ 1,064,000 | $ 118,000 | $ 55,000 |
| Burnet County Texas | 8 | $ 1,211,000 | $ 151,000 | $ 67,000 |
| Milam County Texas | 8 | $ 529,000 | $ 66,000 | $ 35,000 |
| Lavaca County Texas | 7 | $ 690,000 | $ 98,000 | $ 82,000 |
| Dallas County Texas | 6 | $ 576,000 | $ 96,000 | $ 91,000 |
| Galveston County Texas | 6 | $ 1,818,000 | $ 303,000 | $ 223,000 |
| Austin County Texas | 5 | $ 846,000 | $ 169,000 | $ 71,000 |
| Grimes County Texas | 5 | $ 478,000 | $ 95,000 | $ 58,000 |
| Brazoria County Texas | 4 | $ 537,000 | $ 134,000 | $ 42,000 |
| McLennan County Texas | 4 | $ 503,000 | $ 125,000 | $ 42,000 |
| Aransas County Texas | 3 | $ 189,000 | $ 63,000 | $ 107,000 |
| Collin County Texas | 3 | $ 524,000 | $ 174,000 | $ 105,000 |
| Denton County Texas | 3 | $ 496,000 | $ 165,000 | $ 75,000 |
| DeWitt County Texas | 3 | $ 430,000 | $ 143,000 | $ 141,000 |
| Madison County Texas | 3 | $ 210,000 | $ 70,000 | $ 43,000 |
| Matagorda County Texas | 3 | $ 304,000 | $ 101,000 | $ 141,000 |
| Robertson County Texas | 3 | $ 239,000 | $ 79,000 | $ 133,000 |
| Washington County Texas | 3 | $ 334,000 | $ 111,000 | $ 77,000 |
| Wilson County Texas | 3 | $ 474,000 | $ 158,000 | $ 122,000 |
| Calhoun County Texas | 2 | $ 67,000 | $ 33,000 | $ 38,000 |
| Comanche County Texas | 2 | $ 364,000 | $ 182,000 | $ 140,000 |
| Kendall County Texas | 2 | $ 660,000 | $ 330,000 | $ 167,000 |
| Leon County Texas | 2 | $ 291,000 | $ 145,000 | $ 76,000 |
| Nueces County Texas | 2 | $ 312,000 | $ 156,000 | $ 147,000 |
| Walker County Texas | 2 | $ 211,000 | $ 105,000 | $ 138,000 |
| Alameda County California | 1 | $ 880,000 | $ 880,000 | $ 0 |
| Boulder County Colorado | 1 | $ 234,000 | $ 234,000 | $ 80,000 |
| Cook County Illinois | 1 | $ 76,000 | $ 76,000 | $ 39,000 |
| Bandera County Texas | 1 | $ 153,000 | $ 153,000 | $ 98,000 |
| Blanco County Texas | 1 | $ 239,000 | $ 239,000 | $ 130,000 |
| Caldwell County Texas | 1 | $ 18,000 | $ 18,000 | $ 70,000 |
| Cooke County Texas | 1 | $ 118,000 | $ 118,000 | $ 0 |
| El Paso County Texas | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Frio County Texas | 1 | $ 246,000 | $ 246,000 | $ 203,000 |
| Gillespie County Texas | 1 | $ 158,000 | $ 158,000 | $ 81,000 |
| Gregg County Texas | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Lampasas County Texas | 1 | $ 116,000 | $ 116,000 | $ 154,000 |
| Liberty County Texas | 1 | $ 97,000 | $ 97,000 | $ 43,000 |
| Mason County Texas | 1 | $ 131,000 | $ 131,000 | $ 76,000 |
| Midland County Texas | 1 | $ 69,000 | $ 69,000 | $ 37,000 |
| Parker County Texas | 1 | $ 169,000 | $ 169,000 | $ 179,000 |
| Red River County Texas | 1 | $ 33,000 | $ 33,000 | $ 32,000 |
| San Patricio County Texas | 1 | $ 334,000 | $ 334,000 | $ 322,000 |
| Taylor County Texas | 1 | $ 34,000 | $ 34,000 | $ 606,000 |
| Uvalde County Texas | 1 | $ 158,000 | $ 158,000 | $ 69,000 |
| Victoria County Texas | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for State Bank in 2004
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 | 673 | $91,889,000 | $322,750 | $3,500,000 | $51,250 | $2,272,000 |
| Refinancing | 184 | $23,986,000 | $181,500 | $1,120,000 | $86,500 | $783,000 |
| Home Improvement | 56 | $2,399,000 | $42,000 | $202,000 | $77,000 | $260,000 |
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 | 674 | $88,853,000 | $160,250 | $1,120,000 | $75,000 | $1,495,000 |
| Hispanic | 83 | $8,003,000 | $96,000 | $580,000 | $69,000 | $783,000 |
| Not Provided | 79 | $12,136,000 | $153,000 | $3,500,000 | $90,000 | $2,272,000 |
| Not applicable | 38 | $5,988,000 | $509,000 | $1,244,000 | $2,000 | $70,000 |
| Black or African American | 28 | $1,960,000 | $70,000 | $200,000 | $47,000 | $173,000 |
| Asian | 7 | $916,000 | $130,000 | $301,000 | $74,000 | $162,000 |
| American Indian or Alaskan Native | 2 | $378,000 | $189,000 | $230,000 | $73,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $40,000 | $20,000 | $20,000 | $163,000 | $163,000 |
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) | 912 | $118,109,000 | $303,600 | $3,500,000 | $57,800 | $2,272,000 |
| FHA-insured (Federal Housing Administration) | 1 | $165,000 | $165,000 | $165,000 | $73,000 | $73,000 |
| 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 | 659 | $89,043,000 | $330,750 | $3,500,000 | $53,500 | $2,272,000 |
| Loan Purchased By The Institution | 131 | $16,367,000 | $124,000 | $1,244,000 | $72,000 | $1,495,000 |
| Application Approved But Not Accepted | 70 | $8,611,000 | $123,000 | $580,000 | $63,000 | $203,000 |
| Application Denied By Financial Institution | 46 | $3,313,000 | $72,000 | $216,000 | $41,000 | $324,000 |
| Application Withdrawn By Applicant | 5 | $540,000 | $108,000 | $240,000 | $79,000 | $191,000 |
| Preapproval Approved but not Accepted | 2 | $400,000 | $200,000 | $260,000 | $87,000 | $105,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 20 | $1,233,000 | $61,000 | $188,000 | $24,000 | $48,000 |
| Credit History | 19 | $1,319,000 | $69,000 | $216,000 | $50,000 | $324,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $314,000 | $104,000 | $152,000 | $42,000 | $67,000 |
| Collateral | 2 | $266,000 | $133,000 | $201,000 | $71,000 | $83,000 |
| Other | 1 | $13,000 | $13,000 | $13,000 | $64,000 | $64,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Bank's 2004 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.