Texas State Bank Mortgage Lending & HMDA Data, 2005
In 2005, Texas State Bank of McAllen, TX reported 3,997 mortgage applications totaling $445.0 million, up 9% from 2004. The average application was for $111,326, and applicants reported an average income of $104,664. 32% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Houston-Baytown-Sugar Land, TX (1,145), McAllen-Edinburg-Pharr, TX (788) and Beaumont-Port Arthur, TX (486) (applications in parentheses).
| 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 | $111,326 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $104,664 |
| Highest Applicant Income | $2,670,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texas State Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Hidalgo, Texas | 788 | $ 47,982,000 | $ 60,890 | $ 65,000 |
| Harris, Texas | 593 | $ 99,615,000 | $ 167,984 | $ 119,000 |
| Cameron, Texas | 407 | $ 17,176,000 | $ 42,201 | $ 71,000 |
| Jefferson, Texas | 293 | $ 27,715,000 | $ 94,590 | $ 138,000 |
| Galveston, Texas | 159 | $ 23,257,000 | $ 146,270 | $ 149,000 |
| Fort Bend, Texas | 151 | $ 23,588,000 | $ 156,211 | $ 81,000 |
| Travis, Texas | 129 | $ 21,985,000 | $ 170,426 | $ 77,000 |
| Montgomery, Texas | 112 | $ 22,204,000 | $ 198,250 | $ 111,000 |
| Hardin, Texas | 110 | $ 6,324,000 | $ 57,490 | $ 89,000 |
| Brazoria, Texas | 94 | $ 15,870,000 | $ 168,829 | $ 73,000 |
| Bexar, Texas | 93 | $ 11,703,000 | $ 125,838 | $ 102,000 |
| Orange, Texas | 83 | $ 4,980,000 | $ 60,000 | $ 91,000 |
| Willacy, Texas | 79 | $ 1,844,000 | $ 23,341 | $ 63,000 |
| Starr, Texas | 71 | $ 1,639,000 | $ 23,084 | $ 26,000 |
| Maverick, Texas | 56 | $ 4,903,000 | $ 87,553 | $ 69,000 |
| Dallas, Texas | 54 | $ 11,207,000 | $ 207,537 | $ 51,000 |
| Jasper, Texas | 52 | $ 3,514,000 | $ 67,576 | $ 79,000 |
| Williamson, Texas | 51 | $ 9,679,000 | $ 189,784 | $ 97,000 |
| Nueces, Texas | 47 | $ 3,533,000 | $ 75,170 | $ 187,000 |
| Collin, Texas | 41 | $ 7,070,000 | $ 172,439 | $ 99,000 |
| Tyler, Texas | 40 | $ 1,348,000 | $ 33,700 | $ 59,000 |
| Maricopa, Arizona | 36 | $ 5,330,000 | $ 148,055 | $ 77,000 |
| Rockwall, Texas | 29 | $ 4,662,000 | $ 160,758 | $ 61,000 |
| Pierce, Washington | 28 | $ 6,154,000 | $ 219,785 | $ 70,000 |
| Pinal, Arizona | 25 | $ 3,481,000 | $ 139,240 | $ 74,000 |
| Denton, Texas | 24 | $ 4,454,000 | $ 185,583 | $ 136,000 |
| Guadalupe, Texas | 24 | $ 3,834,000 | $ 159,750 | $ 114,000 |
| Smith, Texas | 23 | $ 3,921,000 | $ 170,478 | $ 209,000 |
| Chambers, Texas | 19 | $ 2,313,000 | $ 121,736 | $ 61,000 |
| Tarrant, Texas | 19 | $ 3,091,000 | $ 162,684 | $ 92,000 |
| Chatham, Georgia | 18 | $ 2,770,000 | $ 153,888 | $ 76,000 |
| Brazos, Texas | 18 | $ 1,913,000 | $ 106,277 | $ 64,000 |
| Hays, Texas | 17 | $ 2,890,000 | $ 170,000 | $ 78,000 |
| Comal, Texas | 14 | $ 2,408,000 | $ 172,000 | $ 106,000 |
| Liberty, Texas | 11 | $ 1,305,000 | $ 118,636 | $ 75,000 |
| Newton, Texas | 10 | $ 485,000 | $ 48,500 | $ 68,000 |
| Wise, Texas | 10 | $ 1,180,000 | $ 118,000 | $ 63,000 |
| Charlotte, Florida | 9 | $ 1,794,000 | $ 199,333 | $ 56,000 |
| Bryan, Georgia | 8 | $ 980,000 | $ 122,500 | $ 59,000 |
| San Augustine, Texas | 8 | $ 231,000 | $ 28,875 | $ 27,000 |
| Washington, Texas | 8 | $ 1,227,000 | $ 153,375 | $ 91,000 |
| Brevard, Florida | 7 | $ 1,158,000 | $ 165,428 | $ 55,000 |
| Sarasota, Florida | 7 | $ 979,000 | $ 139,857 | $ 79,000 |
| Jefferson, Wisconsin | 7 | $ 1,215,000 | $ 173,571 | $ 70,000 |
| Manatee, Florida | 6 | $ 1,381,000 | $ 230,166 | $ 90,000 |
| Kleberg, Texas | 6 | $ 142,000 | $ 23,666 | $ 67,000 |
| San Patricio, Texas | 6 | $ 888,000 | $ 148,000 | $ 68,000 |
| Caldwell, Texas | 5 | $ 744,000 | $ 148,800 | $ 56,000 |
| Austin, Texas | 4 | $ 874,000 | $ 218,500 | $ 122,000 |
| Sabine, Texas | 4 | $ 167,000 | $ 41,750 | $ 30,000 |
| Wilson, Texas | 4 | $ 950,000 | $ 237,500 | $ 341,000 |
| Waukesha, Wisconsin | 4 | $ 945,000 | $ 236,250 | $ 80,000 |
| Bell, Texas | 3 | $ 244,000 | $ 81,333 | $ 54,000 |
| Colorado, Texas | 3 | $ 291,000 | $ 97,000 | $ 96,000 |
| DeWitt, Texas | 3 | $ 906,000 | $ 302,000 | $ 91,000 |
| Kendall, Texas | 3 | $ 886,000 | $ 295,333 | $ 954,000 |
| Baldwin, Alabama | 2 | $ 385,000 | $ 192,500 | $ 200,000 |
| Lee, Florida | 2 | $ 343,000 | $ 171,500 | $ 16,000 |
| Jefferson, Louisiana | 2 | $ 294,000 | $ 147,000 | $ 180,000 |
| Beaver, Pennsylvania | 2 | $ 119,000 | $ 59,500 | $ 33,000 |
| Bandera, Texas | 2 | $ 997,000 | $ 498,500 | $ 377,000 |
| Bastrop, Texas | 2 | $ 284,000 | $ 142,000 | $ 56,000 |
| Ellis, Texas | 2 | $ 421,000 | $ 210,500 | $ 33,000 |
| Fayette, Texas | 2 | $ 154,000 | $ 77,000 | $ 58,000 |
| Goliad, Texas | 2 | $ 372,000 | $ 186,000 | $ 75,000 |
| Kaufman, Texas | 2 | $ 321,000 | $ 160,500 | $ 55,000 |
| Medina, Texas | 2 | $ 355,000 | $ 177,500 | $ 75,000 |
| Shelby, Texas | 2 | $ 7,000 | $ 3,500 | $ 31,000 |
| Waller, Texas | 2 | $ 339,000 | $ 169,500 | $ 83,000 |
| Wood, Texas | 2 | $ 154,000 | $ 77,000 | $ 73,000 |
| Ozaukee, Wisconsin | 2 | $ 456,000 | $ 228,000 | $ 83,000 |
| Rio Grande, Colorado | 1 | $ 360,000 | $ 360,000 | $ 123,000 |
| Alachua, Florida | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Broward, Florida | 1 | $ 222,000 | $ 222,000 | $ 54,000 |
| Honolulu, Hawaii | 1 | $ 429,000 | $ 429,000 | $ 120,000 |
| St. Charles, Louisiana | 1 | $ 266,000 | $ 266,000 | $ 91,000 |
| Colfax, New Mexico | 1 | $ 272,000 | $ 272,000 | $ 101,000 |
| Tulsa, Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Lexington, South Carolina | 1 | $ 217,000 | $ 217,000 | $ 88,000 |
| Aransas, Texas | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Brooks, Texas | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Brown, Texas | 1 | $ 119,000 | $ 119,000 | $ 33,000 |
| Calhoun, Texas | 1 | $ 268,000 | $ 268,000 | $ 203,000 |
| Castro, Texas | 1 | $ 91,000 | $ 91,000 | $ 0 |
| El Paso, Texas | 1 | $ 240,000 | $ 240,000 | $ 200,000 |
| Grayson, Texas | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Harrison, Texas | 1 | $ 30,000 | $ 30,000 | $ 104,000 |
| Henderson, Texas | 1 | $ 138,000 | $ 138,000 | $ 76,000 |
| Kerr, Texas | 1 | $ 96,000 | $ 96,000 | $ 26,000 |
| Lavaca, Texas | 1 | $ 200,000 | $ 200,000 | $ 202,000 |
| Lee, Texas | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Limestone, Texas | 1 | $ 46,000 | $ 46,000 | $ 29,000 |
| Live Oak, Texas | 1 | $ 550,000 | $ 550,000 | $ 313,000 |
| Llano, Texas | 1 | $ 360,000 | $ 360,000 | $ 240,000 |
| Matagorda, Texas | 1 | $ 269,000 | $ 269,000 | $ 256,000 |
| Polk, Texas | 1 | $ 2,000 | $ 2,000 | $ 34,000 |
| Randall, Texas | 1 | $ 98,000 | $ 98,000 | $ 41,000 |
| Val Verde, Texas | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Webb, Texas | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Wharton, Texas | 1 | $ 148,000 | $ 148,000 | $ 98,000 |
| Zapata, Texas | 1 | $ 33,000 | $ 33,000 | $ 95,000 |
| King, Washington | 1 | $ 220,000 | $ 220,000 | $ 70,000 |
| Lewis, Washington | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Thurston, Washington | 1 | $ 295,000 | $ 295,000 | $ 64,000 |
| Dane, 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.
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