Texas State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Texas 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 | Texas State Bank 3900 N 10Th St Mcallen, TX 78501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,656 |
| Total Mortgage Loan Application Amount | $394,763,000 |
| Average Mortgage Loan Application Amount | $161,764 |
| Highest Mortgage Loan Application Amount | $5,200,000 |
| Average Applicant Income | $75,352 |
| Highest Applicant Income | $9,432,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Texas 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 Texas 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 Texas 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 Texas State Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Texas 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 Texas 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 |
|---|---|---|---|---|
| Hidalgo County Texas | 869 | $ 46,050,000 | $ 52,000 | $ 55,000 |
| Harris County Texas | 589 | $ 86,039,000 | $ 146,000 | $ 85,000 |
| Cameron County Texas | 450 | $ 17,793,000 | $ 39,000 | $ 50,000 |
| Galveston County Texas | 195 | $ 28,893,000 | $ 148,000 | $ 58,000 |
| Fort Bend County Texas | 149 | $ 22,678,000 | $ 152,000 | $ 82,000 |
| Travis County Texas | 137 | $ 24,512,000 | $ 178,000 | $ 215,000 |
| Montgomery County Texas | 126 | $ 20,308,000 | $ 161,000 | $ 78,000 |
| Brazoria County Texas | 106 | $ 15,923,000 | $ 150,000 | $ 108,000 |
| Dallas County Texas | 98 | $ 17,231,000 | $ 175,000 | $ 225,000 |
| Willacy County Texas | 95 | $ 2,187,000 | $ 23,000 | $ 50,000 |
| Williamson County Texas | 56 | $ 8,928,000 | $ 159,000 | $ 94,000 |
| Bexar County Texas | 53 | $ 6,777,000 | $ 127,000 | $ 211,000 |
| Collin County Texas | 50 | $ 7,793,000 | $ 155,000 | $ 75,000 |
| Maverick County Texas | 49 | $ 3,696,000 | $ 75,000 | $ 73,000 |
| Starr County Texas | 49 | $ 2,060,000 | $ 42,000 | $ 44,000 |
| Denton County Texas | 39 | $ 5,418,000 | $ 138,000 | $ 70,000 |
| Nueces County Texas | 34 | $ 2,088,000 | $ 61,000 | $ 212,000 |
| Jefferson County Wisconsin | 29 | $ 3,975,000 | $ 137,000 | $ 76,000 |
| Hays County Texas | 27 | $ 4,522,000 | $ 167,000 | $ 73,000 |
| Tarrant County Texas | 23 | $ 2,900,000 | $ 126,000 | $ 81,000 |
| Comal County Texas | 21 | $ 3,392,000 | $ 161,000 | $ 52,000 |
| Dane County Wisconsin | 20 | $ 3,064,000 | $ 153,000 | $ 59,000 |
| Jefferson County Texas | 18 | $ 4,194,000 | $ 233,000 | $ 38,000 |
| Medina County Texas | 15 | $ 2,138,000 | $ 142,000 | $ 69,000 |
| Guadalupe County Texas | 13 | $ 2,148,000 | $ 165,000 | $ 81,000 |
| Liberty County Texas | 13 | $ 1,551,000 | $ 119,000 | $ 72,000 |
| Waukesha County Wisconsin | 13 | $ 2,412,000 | $ 185,000 | $ 90,000 |
| Bastrop County Texas | 12 | $ 1,522,000 | $ 126,000 | $ 69,000 |
| Brazos County Texas | 12 | $ 2,470,000 | $ 205,000 | $ 126,000 |
| Waller County Texas | 12 | $ 1,468,000 | $ 122,000 | $ 134,000 |
| Ozaukee County Wisconsin | 12 | $ 1,994,000 | $ 166,000 | $ 66,000 |
| Washington County Texas | 11 | $ 1,299,000 | $ 118,000 | $ 52,000 |
| Walker County Texas | 10 | $ 1,143,000 | $ 114,000 | $ 57,000 |
| Kleberg County Texas | 9 | $ 316,000 | $ 35,000 | $ 66,000 |
| Matagorda County Texas | 9 | $ 1,199,000 | $ 133,000 | $ 171,000 |
| Bandera County Texas | 8 | $ 1,132,000 | $ 141,000 | $ 60,000 |
| Caldwell County Texas | 8 | $ 1,334,000 | $ 166,000 | $ 69,000 |
| Milam County Texas | 8 | $ 973,000 | $ 121,000 | $ 66,000 |
| Orange County Texas | 8 | $ 913,000 | $ 114,000 | $ 59,000 |
| Wharton County Texas | 8 | $ 1,143,000 | $ 142,000 | $ 84,000 |
| Wilson County Texas | 8 | $ 991,000 | $ 123,000 | $ 69,000 |
| Hardin County Texas | 7 | $ 849,000 | $ 121,000 | $ 76,000 |
| San Patricio County Texas | 7 | $ 666,000 | $ 95,000 | $ 58,000 |
| Austin County Texas | 6 | $ 851,000 | $ 141,000 | $ 88,000 |
| Chambers County Texas | 6 | $ 789,000 | $ 131,000 | $ 79,000 |
| Ellis County Texas | 6 | $ 732,000 | $ 122,000 | $ 80,000 |
| Burnet County Texas | 5 | $ 601,000 | $ 120,000 | $ 66,000 |
| Kendall County Texas | 5 | $ 703,000 | $ 140,000 | $ 90,000 |
| San Jacinto County Texas | 5 | $ 687,000 | $ 137,000 | $ 71,000 |
| Sarasota County Florida | 4 | $ 630,000 | $ 157,000 | $ 49,000 |
| Colorado County Texas | 4 | $ 464,000 | $ 116,000 | $ 42,000 |
| Kaufman County Texas | 4 | $ 542,000 | $ 135,000 | $ 38,000 |
| Kerr County Texas | 4 | $ 417,000 | $ 104,000 | $ 45,000 |
| Lee County Texas | 4 | $ 325,000 | $ 81,000 | $ 60,000 |
| Leon County Texas | 4 | $ 562,000 | $ 140,000 | $ 92,000 |
| Parker County Texas | 4 | $ 446,000 | $ 111,000 | $ 57,000 |
| Rockwall County Texas | 4 | $ 590,000 | $ 147,000 | $ 94,000 |
| Charlotte County Florida | 3 | $ 514,000 | $ 171,000 | $ 55,000 |
| Blanco County Texas | 3 | $ 513,000 | $ 171,000 | $ 66,000 |
| Calhoun County Texas | 3 | $ 318,000 | $ 106,000 | $ 98,000 |
| Erath County Texas | 3 | $ 339,000 | $ 113,000 | $ 53,000 |
| Fayette County Texas | 3 | $ 290,000 | $ 96,000 | $ 46,000 |
| Grayson County Texas | 3 | $ 359,000 | $ 119,000 | $ 32,000 |
| Hood County Texas | 3 | $ 461,000 | $ 153,000 | $ 68,000 |
| Llano County Texas | 3 | $ 308,000 | $ 102,000 | $ 54,000 |
| Van Zandt County Texas | 3 | $ 338,000 | $ 112,000 | $ 91,000 |
| Wise County Texas | 3 | $ 234,000 | $ 78,000 | $ 33,000 |
| Dodge County Wisconsin | 3 | $ 316,000 | $ 105,000 | $ 94,000 |
| Racine County Wisconsin | 3 | $ 471,000 | $ 157,000 | $ 66,000 |
| Bryan County Georgia | 2 | $ 275,000 | $ 137,000 | $ 94,000 |
| Angelina County Texas | 2 | $ 98,000 | $ 49,000 | $ 115,000 |
| Atascosa County Texas | 2 | $ 271,000 | $ 135,000 | $ 141,000 |
| Bell County Texas | 2 | $ 281,000 | $ 140,000 | $ 121,000 |
| Burleson County Texas | 2 | $ 209,000 | $ 104,000 | $ 77,000 |
| Gillespie County Texas | 2 | $ 242,000 | $ 121,000 | $ 66,000 |
| Gregg County Texas | 2 | $ 123,000 | $ 61,000 | $ 39,000 |
| Johnson County Texas | 2 | $ 5,289,000 | $ 2,644,000 | $ 36,000 |
| Smith County Texas | 2 | $ 146,000 | $ 73,000 | $ 94,000 |
| Trinity County Texas | 2 | $ 322,000 | $ 161,000 | $ 146,000 |
| Victoria County Texas | 2 | $ 217,000 | $ 108,000 | $ 64,000 |
| Walworth County Wisconsin | 2 | $ 197,000 | $ 98,000 | $ 60,000 |
| Washington County Wisconsin | 2 | $ 414,000 | $ 207,000 | $ 81,000 |
| Jefferson County Arkansas | 1 | $ 124,000 | $ 124,000 | $ 75,000 |
| Jefferson County Colorado | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Summit County Colorado | 1 | $ 334,000 | $ 334,000 | $ 46,000 |
| Chatham County Georgia | 1 | $ 143,000 | $ 143,000 | $ 42,000 |
| East Baton Rouge County Louisiana | 1 | $ 107,000 | $ 107,000 | $ 29,000 |
| Lafayette County Louisiana | 1 | $ 79,000 | $ 79,000 | $ 33,000 |
| Oakland County Michigan | 1 | $ 193,000 | $ 193,000 | $ 79,000 |
| Lancaster County Nebraska | 1 | $ 97,000 | $ 97,000 | $ 23,000 |
| Clark County Nevada | 1 | $ 560,000 | $ 560,000 | $ 280,000 |
| Canadian County Oklahoma | 1 | $ 134,000 | $ 134,000 | $ 76,000 |
| Cleveland County Oklahoma | 1 | $ 287,000 | $ 287,000 | $ 99,000 |
| McCurtain County Oklahoma | 1 | $ 107,000 | $ 107,000 | $ 60,000 |
| Oklahoma County Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 44,000 |
| Aransas County Texas | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Brown County Texas | 1 | $ 188,000 | $ 188,000 | $ 144,000 |
| Cass County Texas | 1 | $ 43,000 | $ 43,000 | $ 29,000 |
| Cherokee County Texas | 1 | $ 64,000 | $ 64,000 | $ 38,000 |
| Comanche County Texas | 1 | $ 140,000 | $ 140,000 | $ 75,000 |
| Deaf Smith County Texas | 1 | $ 54,000 | $ 54,000 | $ 44,000 |
| Dimmit County Texas | 1 | $ 5,000 | $ 5,000 | $ 58,000 |
| Eastland County Texas | 1 | $ 149,000 | $ 149,000 | $ 75,000 |
| Fannin County Texas | 1 | $ 210,000 | $ 210,000 | $ 50,000 |
| Franklin County Texas | 1 | $ 58,000 | $ 58,000 | $ 51,000 |
| Frio County Texas | 1 | $ 172,000 | $ 172,000 | $ 77,000 |
| Goliad County Texas | 1 | $ 4,000 | $ 4,000 | $ 53,000 |
| Harrison County Texas | 1 | $ 97,000 | $ 97,000 | $ 64,000 |
| Hill County Texas | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Houston County Texas | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Hunt County Texas | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Jackson County Texas | 1 | $ 176,000 | $ 176,000 | $ 46,000 |
| Jasper County Texas | 1 | $ 79,000 | $ 79,000 | $ 59,000 |
| Lavaca County Texas | 1 | $ 180,000 | $ 180,000 | $ 90,000 |
| Live Oak County Texas | 1 | $ 53,000 | $ 53,000 | $ 98,000 |
| Lubbock County Texas | 1 | $ 102,000 | $ 102,000 | $ 37,000 |
| McLennan County Texas | 1 | $ 151,000 | $ 151,000 | $ 49,000 |
| Polk County Texas | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Presidio County Texas | 1 | $ 136,000 | $ 136,000 | $ 122,000 |
| Randall County Texas | 1 | $ 170,000 | $ 170,000 | $ 90,000 |
| Robertson County Texas | 1 | $ 153,000 | $ 153,000 | $ 65,000 |
| Sabine County Texas | 1 | $ 148,000 | $ 148,000 | $ 94,000 |
| Shelby County Texas | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Tyler County Texas | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Upshur County Texas | 1 | $ 121,000 | $ 121,000 | $ 64,000 |
| Milwaukee County Wisconsin | 1 | $ 39,000 | $ 39,000 | $ 151,000 |
Mortgage Loan Application Detail Totals for Texas 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 | 2,143 | $278,790,000 | $191,090 | $1,839,000 | $79,818 | $9,432,000 |
| Home Improvement | 789 | $13,819,000 | $17,000 | $1,486,000 | $74,000 | $989,000 |
| Refinancing | 724 | $102,154,000 | $126,200 | $5,200,000 | $65,800 | $768,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,084 | $314,164,000 | $184,636 | $1,839,000 | $79,818 | $768,000 |
| Hispanic | 1,306 | $54,446,000 | $41,000 | $1,265,000 | $66,000 | $9,432,000 |
| White | 252 | $24,010,000 | $95,000 | $5,200,000 | $132,000 | $5,117,000 |
| Asian | 7 | $1,651,000 | $235,000 | $1,000,000 | $365,000 | $1,086,000 |
| Black or African American | 7 | $492,000 | $70,000 | $160,000 | $61,000 | $257,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 3,479 | $370,851,000 | $180,363 | $5,200,000 | $84,181 | $9,432,000 |
| FHA-insured (Federal Housing Administration) | 146 | $19,111,000 | $149,000 | $180,000 | $56,500 | $133,000 |
| VA-guaranteed (Veterans Administration) | 31 | $4,801,000 | $152,666 | $243,000 | $54,333 | $127,000 |
| 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 Purchased By The Institution | 2,031 | $301,010,000 | $184,363 | $918,000 | $80,454 | $768,000 |
| Loan Originated | 906 | $67,861,000 | $74,000 | $5,200,000 | $138,000 | $9,432,000 |
| Application Denied By Financial Institution | 532 | $14,235,000 | $26,000 | $464,000 | $44,000 | $280,000 |
| Application Approved But Not Accepted | 111 | $7,471,000 | $67,000 | $750,000 | $54,000 | $202,000 |
| Application Withdrawn By Applicant | 70 | $3,840,000 | $54,000 | $405,000 | $43,000 | $408,000 |
| File Closed For Incompleteness | 6 | $346,000 | $57,000 | $80,000 | $44,000 | $96,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Texas 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 Texas 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.