Texas State Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Texas State Bank 2005 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 | 3,997 |
| Total Mortgage Loan Application Amount | $444,972,000 |
| Average Mortgage Loan Application Amount | $193,681 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $88,863 |
| Highest Applicant Income | $2,670,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 788 | $ 47,982,000 | $ 60,000 | $ 65,000 |
| Harris County Texas | 593 | $ 99,615,000 | $ 167,000 | $ 119,000 |
| Cameron County Texas | 407 | $ 17,176,000 | $ 42,000 | $ 71,000 |
| Jefferson County Texas | 293 | $ 27,715,000 | $ 94,000 | $ 138,000 |
| Galveston County Texas | 159 | $ 23,257,000 | $ 146,000 | $ 149,000 |
| Fort Bend County Texas | 151 | $ 23,588,000 | $ 156,000 | $ 81,000 |
| Travis County Texas | 129 | $ 21,985,000 | $ 170,000 | $ 77,000 |
| Montgomery County Texas | 112 | $ 22,204,000 | $ 198,000 | $ 111,000 |
| Hardin County Texas | 110 | $ 6,324,000 | $ 57,000 | $ 89,000 |
| Brazoria County Texas | 94 | $ 15,870,000 | $ 168,000 | $ 73,000 |
| Bexar County Texas | 93 | $ 11,703,000 | $ 125,000 | $ 102,000 |
| Orange County Texas | 83 | $ 4,980,000 | $ 60,000 | $ 91,000 |
| Willacy County Texas | 79 | $ 1,844,000 | $ 23,000 | $ 63,000 |
| Starr County Texas | 71 | $ 1,639,000 | $ 23,000 | $ 26,000 |
| Maverick County Texas | 56 | $ 4,903,000 | $ 87,000 | $ 69,000 |
| Dallas County Texas | 54 | $ 11,207,000 | $ 207,000 | $ 51,000 |
| Jasper County Texas | 52 | $ 3,514,000 | $ 67,000 | $ 79,000 |
| Williamson County Texas | 51 | $ 9,679,000 | $ 189,000 | $ 97,000 |
| Nueces County Texas | 47 | $ 3,533,000 | $ 75,000 | $ 187,000 |
| Collin County Texas | 41 | $ 7,070,000 | $ 172,000 | $ 99,000 |
| Tyler County Texas | 40 | $ 1,348,000 | $ 33,000 | $ 59,000 |
| Maricopa County Arizona | 36 | $ 5,330,000 | $ 148,000 | $ 77,000 |
| Rockwall County Texas | 29 | $ 4,662,000 | $ 160,000 | $ 61,000 |
| Pierce County Washington | 28 | $ 6,154,000 | $ 219,000 | $ 70,000 |
| Pinal County Arizona | 25 | $ 3,481,000 | $ 139,000 | $ 74,000 |
| Denton County Texas | 24 | $ 4,454,000 | $ 185,000 | $ 136,000 |
| Guadalupe County Texas | 24 | $ 3,834,000 | $ 159,000 | $ 114,000 |
| Smith County Texas | 23 | $ 3,921,000 | $ 170,000 | $ 209,000 |
| Chambers County Texas | 19 | $ 2,313,000 | $ 121,000 | $ 61,000 |
| Tarrant County Texas | 19 | $ 3,091,000 | $ 162,000 | $ 92,000 |
| Chatham County Georgia | 18 | $ 2,770,000 | $ 153,000 | $ 76,000 |
| Brazos County Texas | 18 | $ 1,913,000 | $ 106,000 | $ 64,000 |
| Hays County Texas | 17 | $ 2,890,000 | $ 170,000 | $ 78,000 |
| Comal County Texas | 14 | $ 2,408,000 | $ 172,000 | $ 106,000 |
| Liberty County Texas | 11 | $ 1,305,000 | $ 118,000 | $ 75,000 |
| Newton County Texas | 10 | $ 485,000 | $ 48,000 | $ 68,000 |
| Wise County Texas | 10 | $ 1,180,000 | $ 118,000 | $ 63,000 |
| Charlotte County Florida | 9 | $ 1,794,000 | $ 199,000 | $ 56,000 |
| Bryan County Georgia | 8 | $ 980,000 | $ 122,000 | $ 59,000 |
| San Augustine County Texas | 8 | $ 231,000 | $ 28,000 | $ 27,000 |
| Washington County Texas | 8 | $ 1,227,000 | $ 153,000 | $ 91,000 |
| Brevard County Florida | 7 | $ 1,158,000 | $ 165,000 | $ 55,000 |
| Sarasota County Florida | 7 | $ 979,000 | $ 139,000 | $ 79,000 |
| Jefferson County Wisconsin | 7 | $ 1,215,000 | $ 173,000 | $ 70,000 |
| Manatee County Florida | 6 | $ 1,381,000 | $ 230,000 | $ 90,000 |
| Kleberg County Texas | 6 | $ 142,000 | $ 23,000 | $ 67,000 |
| San Patricio County Texas | 6 | $ 888,000 | $ 148,000 | $ 68,000 |
| Caldwell County Texas | 5 | $ 744,000 | $ 148,000 | $ 56,000 |
| Austin County Texas | 4 | $ 874,000 | $ 218,000 | $ 122,000 |
| Sabine County Texas | 4 | $ 167,000 | $ 41,000 | $ 30,000 |
| Wilson County Texas | 4 | $ 950,000 | $ 237,000 | $ 341,000 |
| Waukesha County Wisconsin | 4 | $ 945,000 | $ 236,000 | $ 80,000 |
| Bell County Texas | 3 | $ 244,000 | $ 81,000 | $ 54,000 |
| Colorado County Texas | 3 | $ 291,000 | $ 97,000 | $ 96,000 |
| DeWitt County Texas | 3 | $ 906,000 | $ 302,000 | $ 91,000 |
| Kendall County Texas | 3 | $ 886,000 | $ 295,000 | $ 954,000 |
| Baldwin County Alabama | 2 | $ 385,000 | $ 192,000 | $ 200,000 |
| Lee County Florida | 2 | $ 343,000 | $ 171,000 | $ 16,000 |
| Jefferson County Louisiana | 2 | $ 294,000 | $ 147,000 | $ 180,000 |
| Beaver County Pennsylvania | 2 | $ 119,000 | $ 59,000 | $ 33,000 |
| Bandera County Texas | 2 | $ 997,000 | $ 498,000 | $ 377,000 |
| Bastrop County Texas | 2 | $ 284,000 | $ 142,000 | $ 56,000 |
| Ellis County Texas | 2 | $ 421,000 | $ 210,000 | $ 33,000 |
| Fayette County Texas | 2 | $ 154,000 | $ 77,000 | $ 58,000 |
| Goliad County Texas | 2 | $ 372,000 | $ 186,000 | $ 75,000 |
| Kaufman County Texas | 2 | $ 321,000 | $ 160,000 | $ 55,000 |
| Medina County Texas | 2 | $ 355,000 | $ 177,000 | $ 75,000 |
| Shelby County Texas | 2 | $ 7,000 | $ 3,000 | $ 31,000 |
| Waller County Texas | 2 | $ 339,000 | $ 169,000 | $ 83,000 |
| Wood County Texas | 2 | $ 154,000 | $ 77,000 | $ 73,000 |
| Ozaukee County Wisconsin | 2 | $ 456,000 | $ 228,000 | $ 83,000 |
| Rio Grande County Colorado | 1 | $ 360,000 | $ 360,000 | $ 123,000 |
| Alachua County Florida | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Broward County Florida | 1 | $ 222,000 | $ 222,000 | $ 54,000 |
| Honolulu County Hawaii | 1 | $ 429,000 | $ 429,000 | $ 120,000 |
| St. Charles County Louisiana | 1 | $ 266,000 | $ 266,000 | $ 91,000 |
| Colfax County New Mexico | 1 | $ 272,000 | $ 272,000 | $ 101,000 |
| Tulsa County Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Lexington County South Carolina | 1 | $ 217,000 | $ 217,000 | $ 88,000 |
| Aransas County Texas | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Brooks County Texas | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Brown County Texas | 1 | $ 119,000 | $ 119,000 | $ 33,000 |
| Calhoun County Texas | 1 | $ 268,000 | $ 268,000 | $ 203,000 |
| Castro County Texas | 1 | $ 91,000 | $ 91,000 | $ 0 |
| El Paso County Texas | 1 | $ 240,000 | $ 240,000 | $ 200,000 |
| Grayson County Texas | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Harrison County Texas | 1 | $ 30,000 | $ 30,000 | $ 104,000 |
| Henderson County Texas | 1 | $ 138,000 | $ 138,000 | $ 76,000 |
| Kerr County Texas | 1 | $ 96,000 | $ 96,000 | $ 26,000 |
| Lavaca County Texas | 1 | $ 200,000 | $ 200,000 | $ 202,000 |
| Lee County Texas | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Limestone County Texas | 1 | $ 46,000 | $ 46,000 | $ 29,000 |
| Live Oak County Texas | 1 | $ 550,000 | $ 550,000 | $ 313,000 |
| Llano County Texas | 1 | $ 360,000 | $ 360,000 | $ 240,000 |
| Matagorda County Texas | 1 | $ 269,000 | $ 269,000 | $ 256,000 |
| Polk County Texas | 1 | $ 2,000 | $ 2,000 | $ 34,000 |
| Randall County Texas | 1 | $ 98,000 | $ 98,000 | $ 41,000 |
| Val Verde County Texas | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Webb County Texas | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Wharton County Texas | 1 | $ 148,000 | $ 148,000 | $ 98,000 |
| Zapata County Texas | 1 | $ 33,000 | $ 33,000 | $ 95,000 |
| King County Washington | 1 | $ 220,000 | $ 220,000 | $ 70,000 |
| Lewis County Washington | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Thurston County Washington | 1 | $ 295,000 | $ 295,000 | $ 64,000 |
| Dane County Wisconsin | 1 | $ 176,000 | $ 176,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Texas State Bank in 2005
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 | 2,481 | $350,845,000 | $219,333 | $1,560,000 | $106,666 | $2,670,000 |
| Home Improvement | 1,031 | $20,732,000 | $15,000 | $2,700,000 | $58,000 | $989,000 |
| Refinancing | 485 | $73,395,000 | $199,875 | $3,600,000 | $69,875 | $946,000 |
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 | 2,011 | $336,369,000 | $198,642 | $3,600,000 | $89,428 | $930,000 |
| Hispanic | 1,234 | $45,854,000 | $37,000 | $742,000 | $74,000 | $1,920,000 |
| White | 666 | $56,733,000 | $85,000 | $1,560,000 | $146,000 | $2,670,000 |
| Black or African American | 58 | $2,479,000 | $42,000 | $603,000 | $164,000 | $2,000,000 |
| Asian | 15 | $2,000,000 | $133,000 | $360,000 | $156,000 | $700,000 |
| Not Provided | 7 | $716,000 | $102,000 | $360,000 | $97,000 | $346,000 |
| American Indian or Alaskan Native | 4 | $808,000 | $202,000 | $388,000 | $110,000 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $13,000 | $6,000 | $10,000 | $12,000 | $14,000 |
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) | 3,749 | $409,533,000 | $192,857 | $3,600,000 | $92,000 | $2,670,000 |
| FHA-insured (Federal Housing Administration) | 201 | $26,339,000 | $161,250 | $255,000 | $69,250 | $195,000 |
| VA-guaranteed (Veterans Administration) | 47 | $9,100,000 | $209,500 | $301,000 | $73,500 | $831,000 |
| 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 | 1,928 | $310,108,000 | $198,142 | $685,000 | $90,857 | $930,000 |
| Loan Originated | 1,288 | $105,406,000 | $134,000 | $3,600,000 | $73,500 | $2,670,000 |
| Application Denied By Financial Institution | 599 | $16,965,000 | $28,000 | $2,700,000 | $38,000 | $365,000 |
| Application Approved But Not Accepted | 103 | $6,798,000 | $66,000 | $602,000 | $94,000 | $720,000 |
| Application Withdrawn By Applicant | 69 | $4,988,000 | $72,000 | $700,000 | $90,000 | $696,000 |
| File Closed For Incompleteness | 10 | $707,000 | $70,000 | $260,000 | $51,000 | $105,000 |
| 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 2005 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.