State Bank Mortgage Lending & HMDA Data, 2006
In 2006, State Bank of La Grange, TX reported 2,598 mortgage applications totaling $381.6 million, about the same as 2005. The average application was for $146,868, and applicants reported an average income of $99,024. 94% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Austin-Round Rock, TX (1,167), Houston-Sugar Land-Baytown, TX (357) and San Antonio, TX (328) (applications in parentheses).
| 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 | 2,598 |
| Total Mortgage Loan Application Amount | $381,565,000 |
| Average Mortgage Loan Application Amount | $146,868 |
| Highest Mortgage Loan Application Amount | $3,504,000 |
| Average Applicant Income | $99,024 |
| Highest Applicant Income | $1,730,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Travis, Texas | 730 | $ 121,007,000 | $ 165,763 | $ 105,000 |
| Williamson, Texas | 254 | $ 30,867,000 | $ 121,523 | $ 85,000 |
| Harris, Texas | 185 | $ 23,945,000 | $ 129,432 | $ 83,000 |
| Bexar, Texas | 183 | $ 34,632,000 | $ 189,245 | $ 125,000 |
| Hays, Texas | 93 | $ 14,688,000 | $ 157,935 | $ 97,000 |
| Brazos, Texas | 92 | $ 11,587,000 | $ 125,945 | $ 91,000 |
| Fayette, Texas | 80 | $ 6,560,000 | $ 82,000 | $ 63,000 |
| Montgomery, Texas | 77 | $ 12,246,000 | $ 159,038 | $ 98,000 |
| Bastrop, Texas | 75 | $ 8,788,000 | $ 117,173 | $ 80,000 |
| Tarrant, Texas | 72 | $ 12,623,000 | $ 175,319 | $ 85,000 |
| Comal, Texas | 59 | $ 10,692,000 | $ 181,220 | $ 122,000 |
| Waller, Texas | 57 | $ 4,536,000 | $ 79,578 | $ 78,000 |
| Denton, Texas | 55 | $ 10,245,000 | $ 186,272 | $ 113,000 |
| Atascosa, Texas | 43 | $ 3,926,000 | $ 91,302 | $ 66,000 |
| Milam, Texas | 34 | $ 2,998,000 | $ 88,176 | $ 59,000 |
| Cooke, Texas | 33 | $ 3,557,000 | $ 107,787 | $ 64,000 |
| Dallas, Texas | 31 | $ 7,175,000 | $ 231,451 | $ 171,000 |
| Parker, Texas | 31 | $ 4,888,000 | $ 157,677 | $ 121,000 |
| Collin, Texas | 29 | $ 4,802,000 | $ 165,586 | $ 186,000 |
| Gonzales, Texas | 26 | $ 2,152,000 | $ 82,769 | $ 53,000 |
| Guadalupe, Texas | 23 | $ 6,358,000 | $ 276,434 | $ 129,000 |
| Burleson, Texas | 22 | $ 1,941,000 | $ 88,227 | $ 91,000 |
| Burnet, Texas | 20 | $ 3,646,000 | $ 182,300 | $ 132,000 |
| Nueces, Texas | 16 | $ 2,103,000 | $ 131,437 | $ 130,000 |
| Caldwell, Texas | 15 | $ 1,553,000 | $ 103,533 | $ 55,000 |
| Fort Bend, Texas | 14 | $ 1,803,000 | $ 128,785 | $ 96,000 |
| Kendall, Texas | 13 | $ 2,890,000 | $ 222,307 | $ 118,000 |
| Ellis, Texas | 12 | $ 1,808,000 | $ 150,666 | $ 116,000 |
| Lee, Texas | 12 | $ 1,229,000 | $ 102,416 | $ 100,000 |
| Bell, Texas | 10 | $ 1,187,000 | $ 118,700 | $ 119,000 |
| Colorado, Texas | 9 | $ 711,000 | $ 79,000 | $ 45,000 |
| Johnson, Texas | 9 | $ 630,000 | $ 70,000 | $ 40,000 |
| Brazoria, Texas | 8 | $ 864,000 | $ 108,000 | $ 114,000 |
| Kaufman, Texas | 8 | $ 951,000 | $ 118,875 | $ 59,000 |
| Galveston, Texas | 7 | $ 870,000 | $ 124,285 | $ 153,000 |
| Ector, Texas | 6 | $ 493,000 | $ 82,166 | $ 67,000 |
| Grimes, Texas | 6 | $ 599,000 | $ 99,833 | $ 104,000 |
| Llano, Texas | 6 | $ 958,000 | $ 159,666 | $ 167,000 |
| Wilson, Texas | 6 | $ 854,000 | $ 142,333 | $ 65,000 |
| Aransas, Texas | 5 | $ 714,000 | $ 142,800 | $ 32,000 |
| Lavaca, Texas | 5 | $ 743,000 | $ 148,600 | $ 61,000 |
| Wise, Texas | 5 | $ 841,000 | $ 168,200 | $ 135,000 |
| Hidalgo, Texas | 4 | $ 455,000 | $ 113,750 | $ 114,000 |
| Lubbock, Texas | 4 | $ 230,000 | $ 57,500 | $ 79,000 |
| McLennan, Texas | 4 | $ 488,000 | $ 122,000 | $ 471,000 |
| San Patricio, Texas | 4 | $ 372,000 | $ 93,000 | $ 38,000 |
| Lincoln, New Mexico | 3 | $ 726,000 | $ 242,000 | $ 136,000 |
| Blanco, Texas | 3 | $ 343,000 | $ 114,333 | $ 99,000 |
| Chambers, Texas | 3 | $ 307,000 | $ 102,333 | $ 103,000 |
| Liberty, Texas | 3 | $ 262,000 | $ 87,333 | $ 58,000 |
| Polk, Texas | 3 | $ 189,000 | $ 63,000 | $ 141,000 |
| Taylor, Texas | 3 | $ 649,000 | $ 216,333 | $ 144,000 |
| Victoria, Texas | 3 | $ 436,000 | $ 145,333 | $ 48,000 |
| Walker, Texas | 3 | $ 255,000 | $ 85,000 | $ 100,000 |
| Maricopa, Arizona | 2 | $ 300,000 | $ 150,000 | $ 87,000 |
| San Joaquin, California | 2 | $ 561,000 | $ 280,500 | $ 155,000 |
| Charlotte, Florida | 2 | $ 245,000 | $ 122,500 | $ 62,000 |
| Cook, Illinois | 2 | $ 285,000 | $ 142,500 | $ 132,000 |
| Ouachita, Louisiana | 2 | $ 138,000 | $ 69,000 | $ 80,000 |
| Multnomah, Oregon | 2 | $ 281,000 | $ 140,500 | $ 126,000 |
| Brewster, Texas | 2 | $ 331,000 | $ 165,500 | $ 148,000 |
| Deaf Smith, Texas | 2 | $ 138,000 | $ 69,000 | $ 55,000 |
| El Paso, Texas | 2 | $ 114,000 | $ 57,000 | $ 60,000 |
| Leon, Texas | 2 | $ 90,000 | $ 45,000 | $ 96,000 |
| Limestone, Texas | 2 | $ 316,000 | $ 158,000 | $ 183,000 |
| Mason, Texas | 2 | $ 230,000 | $ 115,000 | $ 97,000 |
| Midland, Texas | 2 | $ 85,000 | $ 42,500 | $ 50,000 |
| Montague, Texas | 2 | $ 136,000 | $ 68,000 | $ 64,000 |
| Robertson, Texas | 2 | $ 486,000 | $ 243,000 | $ 149,000 |
| Rockwall, Texas | 2 | $ 149,000 | $ 74,500 | $ 166,000 |
| San Jacinto, Texas | 2 | $ 90,000 | $ 45,000 | $ 64,000 |
| Smith, Texas | 2 | $ 226,000 | $ 113,000 | $ 143,000 |
| Spokane, Washington | 2 | $ 288,000 | $ 144,000 | $ 78,000 |
| Marathon, Wisconsin | 2 | $ 339,000 | $ 169,500 | $ 195,000 |
| Los Angeles, California | 1 | $ 416,000 | $ 416,000 | $ 0 |
| San Bernardino, California | 1 | $ 337,000 | $ 337,000 | $ 128,000 |
| San Diego, California | 1 | $ 92,000 | $ 92,000 | $ 281,000 |
| Yolo, California | 1 | $ 350,000 | $ 350,000 | $ 111,000 |
| Gunnison, Colorado | 1 | $ 550,000 | $ 550,000 | $ 504,000 |
| St. Johns, Florida | 1 | $ 157,000 | $ 157,000 | $ 70,000 |
| Clarke, Georgia | 1 | $ 199,000 | $ 199,000 | $ 125,000 |
| Cobb, Georgia | 1 | $ 189,000 | $ 189,000 | $ 199,000 |
| Fulton, Georgia | 1 | $ 356,000 | $ 356,000 | $ 120,000 |
| Lafayette, Louisiana | 1 | $ 150,000 | $ 150,000 | $ 50,000 |
| Hennepin, Minnesota | 1 | $ 345,000 | $ 345,000 | $ 200,000 |
| Lafayette, Mississippi | 1 | $ 100,000 | $ 100,000 | $ 205,000 |
| Otero, New Mexico | 1 | $ 62,000 | $ 62,000 | $ 75,000 |
| Washington, Oregon | 1 | $ 233,000 | $ 233,000 | $ 85,000 |
| Austin, Texas | 1 | $ 110,000 | $ 110,000 | $ 49,000 |
| Bowie, Texas | 1 | $ 93,000 | $ 93,000 | $ 42,000 |
| Cameron, Texas | 1 | $ 46,000 | $ 46,000 | $ 0 |
| DeWitt, Texas | 1 | $ 46,000 | $ 46,000 | $ 378,000 |
| Freestone, Texas | 1 | $ 122,000 | $ 122,000 | $ 80,000 |
| Goliad, Texas | 1 | $ 52,000 | $ 52,000 | $ 61,000 |
| Hamilton, Texas | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Howard, Texas | 1 | $ 79,000 | $ 79,000 | $ 51,000 |
| Jackson, Texas | 1 | $ 202,000 | $ 202,000 | $ 138,000 |
| Jefferson, Texas | 1 | $ 109,000 | $ 109,000 | $ 73,000 |
| Live Oak, Texas | 1 | $ 67,000 | $ 67,000 | $ 36,000 |
| Madison, Texas | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Matagorda, Texas | 1 | $ 196,000 | $ 196,000 | $ 540,000 |
| Medina, Texas | 1 | $ 332,000 | $ 332,000 | $ 111,000 |
| Mills, Texas | 1 | $ 135,000 | $ 135,000 | $ 113,000 |
| Nacogdoches, Texas | 1 | $ 24,000 | $ 24,000 | $ 77,000 |
| Navarro, Texas | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Nolan, Texas | 1 | $ 161,000 | $ 161,000 | $ 68,000 |
| Presidio, Texas | 1 | $ 54,000 | $ 54,000 | $ 49,000 |
| Randall, Texas | 1 | $ 93,000 | $ 93,000 | $ 88,000 |
| Somervell, Texas | 1 | $ 117,000 | $ 117,000 | $ 324,000 |
| Van Zandt, Texas | 1 | $ 56,000 | $ 56,000 | $ 55,000 |
| Washington, Texas | 1 | $ 96,000 | $ 96,000 | $ 42,000 |
| Wood, Texas | 1 | $ 48,000 | $ 48,000 | $ 57,000 |
| Young, Texas | 1 | $ 67,000 | $ 67,000 | $ 33,000 |
| Prince George, Virginia | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Wood, West Virginia | 1 | $ 103,000 | $ 103,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for State Bank in 2006
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 | 2,295 | $335,233,000 | $146,000 | $3,504,000 | $98,000 | $1,730,000 |
| Refinancing | 269 | $43,682,000 | $162,000 | $954,000 | $106,000 | $942,000 |
| Home Improvement | 34 | $2,650,000 | $77,000 | $417,000 | $113,000 | $474,000 |
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 | 2,062 | $301,677,000 | $146,000 | $3,046,000 | $103,000 | $1,730,000 |
| Hispanic | 218 | $27,157,000 | $124,000 | $600,000 | $74,000 | $320,000 |
| Not Provided | 178 | $28,406,000 | $159,000 | $680,000 | $107,000 | $504,000 |
| Black or African American | 47 | $6,228,000 | $132,000 | $490,000 | $85,000 | $335,000 |
| Not applicable | 43 | $10,409,000 | $242,000 | $3,504,000 | $0 | $0 |
| Asian | 38 | $6,346,000 | $167,000 | $777,000 | $136,000 | $576,000 |
| American Indian or Alaskan Native | 9 | $1,157,000 | $128,000 | $332,000 | $101,000 | $171,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $185,000 | $61,000 | $101,000 | $45,000 | $52,000 |
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) | 2,494 | $367,009,000 | $147,000 | $3,504,000 | $101,000 | $1,730,000 |
| FHA-insured (Federal Housing Administration) | 71 | $8,571,000 | $120,000 | $203,000 | $54,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,985,000 | $181,000 | $377,000 | $69,000 | $125,000 |
| 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 | 2,436 | $351,842,000 | $144,000 | $3,504,000 | $99,000 | $1,730,000 |
| Application Approved But Not Accepted | 74 | $13,383,000 | $180,000 | $777,000 | $87,000 | $576,000 |
| Loan Purchased By The Institution | 50 | $12,331,000 | $246,000 | $1,500,000 | $143,000 | $735,000 |
| Application Denied By Financial Institution | 37 | $3,877,000 | $104,000 | $300,000 | $88,000 | $200,000 |
| Preapproval Approved but not Accepted | 1 | $132,000 | $132,000 | $132,000 | $42,000 | $42,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $1,481,000 | $87,000 | $300,000 | $41,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,587,000 | $176,000 | $180,000 | $177,000 | $192,000 |
| Collateral | 6 | $590,000 | $98,000 | $177,000 | $141,000 | $200,000 |
| Debt-To-Income Ratio | 3 | $121,000 | $40,000 | $48,000 | $27,000 | $34,000 |
| Unverifiable Information | 1 | $30,000 | $30,000 | $30,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into State Bank's 2006 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.
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