The Laredo National Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
The Laredo National Bank 2006 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 | The Laredo National Bank P.O. Box 59 Laredo, TX 78042 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,024 |
| Total Mortgage Loan Application Amount | $295,517,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $4,050,000 |
| Average Applicant Income | $70,666 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with The Laredo National 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 The Laredo National Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down The Laredo National 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 The Laredo National Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by The Laredo National 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 The Laredo National Bank's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Webb County Texas | 1,319 | $ 76,293,000 | $ 57,000 | $ 52,000 |
| Bexar County Texas | 541 | $ 45,358,000 | $ 83,000 | $ 70,000 |
| Harris County Texas | 435 | $ 34,262,000 | $ 78,000 | $ 68,000 |
| Nueces County Texas | 328 | $ 19,722,000 | $ 60,000 | $ 72,000 |
| Hidalgo County Texas | 289 | $ 18,601,000 | $ 64,000 | $ 65,000 |
| Maverick County Texas | 204 | $ 8,078,000 | $ 39,000 | $ 43,000 |
| Val Verde County Texas | 189 | $ 11,541,000 | $ 61,000 | $ 63,000 |
| Cameron County Texas | 173 | $ 14,723,000 | $ 85,000 | $ 88,000 |
| Dallas County Texas | 140 | $ 9,091,000 | $ 64,000 | $ 128,000 |
| Travis County Texas | 59 | $ 10,382,000 | $ 175,000 | $ 94,000 |
| Montgomery County Texas | 30 | $ 6,140,000 | $ 204,000 | $ 170,000 |
| Fort Bend County Texas | 28 | $ 3,348,000 | $ 119,000 | $ 77,000 |
| Zapata County Texas | 26 | $ 1,000,000 | $ 38,000 | $ 48,000 |
| San Patricio County Texas | 22 | $ 1,835,000 | $ 83,000 | $ 62,000 |
| Tarrant County Texas | 21 | $ 1,601,000 | $ 76,000 | $ 53,000 |
| Williamson County Texas | 17 | $ 2,541,000 | $ 149,000 | $ 90,000 |
| Brazoria County Texas | 15 | $ 1,163,000 | $ 77,000 | $ 71,000 |
| Comal County Texas | 14 | $ 2,779,000 | $ 198,000 | $ 132,000 |
| Hays County Texas | 13 | $ 1,775,000 | $ 136,000 | $ 141,000 |
| Galveston County Texas | 9 | $ 618,000 | $ 68,000 | $ 66,000 |
| Guadalupe County Texas | 9 | $ 1,271,000 | $ 141,000 | $ 79,000 |
| Kleberg County Texas | 8 | $ 461,000 | $ 57,000 | $ 73,000 |
| La Salle County Texas | 8 | $ 352,000 | $ 44,000 | $ 69,000 |
| Medina County Texas | 7 | $ 861,000 | $ 123,000 | $ 67,000 |
| Atascosa County Texas | 6 | $ 332,000 | $ 55,000 | $ 42,000 |
| Jim Wells County Texas | 6 | $ 381,000 | $ 63,000 | $ 95,000 |
| Kinney County Texas | 6 | $ 385,000 | $ 64,000 | $ 61,000 |
| Wilson County Texas | 6 | $ 1,118,000 | $ 186,000 | $ 76,000 |
| Brooks County Texas | 5 | $ 80,000 | $ 16,000 | $ 76,000 |
| Denton County Texas | 5 | $ 337,000 | $ 67,000 | $ 64,000 |
| Starr County Texas | 5 | $ 56,000 | $ 11,000 | $ 52,000 |
| Collin County Texas | 4 | $ 700,000 | $ 175,000 | $ 96,000 |
| Dimmit County Texas | 4 | $ 61,000 | $ 15,000 | $ 63,000 |
| Duval County Texas | 4 | $ 243,000 | $ 60,000 | $ 69,000 |
| Kendall County Texas | 4 | $ 458,000 | $ 114,000 | $ 116,000 |
| New York County New York | 3 | $ 1,374,000 | $ 458,000 | $ 119,000 |
| Aransas County Texas | 3 | $ 247,000 | $ 82,000 | $ 60,000 |
| Bandera County Texas | 3 | $ 650,000 | $ 216,000 | $ 100,000 |
| Ellis County Texas | 3 | $ 526,000 | $ 175,000 | $ 168,000 |
| Hood County Texas | 3 | $ 287,000 | $ 95,000 | $ 817,000 |
| Willacy County Texas | 3 | $ 202,000 | $ 67,000 | $ 79,000 |
| Miami-Dade County Florida | 2 | $ 2,650,000 | $ 1,325,000 | $ 606,000 |
| Bee County Texas | 2 | $ 169,000 | $ 84,000 | $ 139,000 |
| Caldwell County Texas | 2 | $ 18,000 | $ 9,000 | $ 47,000 |
| El Paso County Texas | 2 | $ 422,000 | $ 211,000 | $ 150,000 |
| Liberty County Texas | 2 | $ 77,000 | $ 38,000 | $ 26,000 |
| Terrell County Texas | 2 | $ 11,000 | $ 5,000 | $ 22,000 |
| Victoria County Texas | 2 | $ 52,000 | $ 26,000 | $ 84,000 |
| Pima County Arizona | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Los Angeles County California | 1 | $ 1,375,000 | $ 1,375,000 | $ 803,000 |
| San Bernardino County California | 1 | $ 345,000 | $ 345,000 | $ 66,000 |
| San Diego County California | 1 | $ 405,000 | $ 405,000 | $ 116,000 |
| Eagle County Colorado | 1 | $ 1,760,000 | $ 1,760,000 | $ 747,000 |
| San Miguel County Colorado | 1 | $ 4,050,000 | $ 4,050,000 | $ 0 |
| Weld County Colorado | 1 | $ 108,000 | $ 108,000 | $ 121,000 |
| Broward County Florida | 1 | $ 113,000 | $ 113,000 | $ 66,000 |
| St. Louis County Missouri | 1 | $ 188,000 | $ 188,000 | $ 85,000 |
| Flathead County Montana | 1 | $ 100,000 | $ 100,000 | $ 140,000 |
| Dona Ana County New Mexico | 1 | $ 129,000 | $ 129,000 | $ 50,000 |
| Anderson County Texas | 1 | $ 130,000 | $ 130,000 | $ 60,000 |
| Bastrop County Texas | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Bell County Texas | 1 | $ 20,000 | $ 20,000 | $ 44,000 |
| Blanco County Texas | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| Brazos County Texas | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Calhoun County Texas | 1 | $ 298,000 | $ 298,000 | $ 105,000 |
| Frio County Texas | 1 | $ 4,000 | $ 4,000 | $ 28,000 |
| Glasscock County Texas | 1 | $ 2,000 | $ 2,000 | $ 60,000 |
| Grayson County Texas | 1 | $ 100,000 | $ 100,000 | $ 102,000 |
| Jim Hogg County Texas | 1 | $ 4,000 | $ 4,000 | $ 50,000 |
| Kaufman County Texas | 1 | $ 74,000 | $ 74,000 | $ 39,000 |
| Kerr County Texas | 1 | $ 80,000 | $ 80,000 | $ 61,000 |
| Lavaca County Texas | 1 | $ 241,000 | $ 241,000 | $ 84,000 |
| Leon County Texas | 1 | $ 127,000 | $ 127,000 | $ 98,000 |
| Llano County Texas | 1 | $ 132,000 | $ 132,000 | $ 132,000 |
| McLennan County Texas | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Midland County Texas | 1 | $ 15,000 | $ 15,000 | $ 44,000 |
| Rockwall County Texas | 1 | $ 91,000 | $ 91,000 | $ 28,000 |
| Smith County Texas | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Tom Green County Texas | 1 | $ 53,000 | $ 53,000 | $ 42,000 |
| Walker County Texas | 1 | $ 77,000 | $ 77,000 | $ 102,000 |
| Zavala County Texas | 1 | $ 28,000 | $ 28,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for The Laredo National 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 Improvement | 1,729 | $29,261,000 | $16,000 | $580,000 | $43,000 | $823,000 |
| Home Purchase | 1,259 | $172,860,000 | $137,000 | $4,050,000 | $100,000 | $9,999,000 |
| Refinancing | 1,036 | $93,396,000 | $90,000 | $1,411,000 | $69,000 | $1,608,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 3,489 | $219,926,000 | $63,000 | $2,200,000 | $59,000 | $3,600,000 |
| White | 412 | $55,865,000 | $135,000 | $1,411,000 | $137,000 | $9,999,000 |
| Asian | 52 | $8,068,000 | $155,000 | $415,000 | $102,000 | $394,000 |
| Black or African American | 23 | $2,116,000 | $92,000 | $408,000 | $73,000 | $302,000 |
| Not Provided | 23 | $446,000 | $19,000 | $110,000 | $60,000 | $327,000 |
| Not applicable | 18 | $8,495,000 | $471,000 | $4,050,000 | $52,000 | $747,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $581,000 | $96,000 | $162,000 | $99,000 | $179,000 |
| American Indian or Alaskan Native | 1 | $20,000 | $20,000 | $20,000 | $203,000 | $203,000 |
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) | 4,020 | $295,467,000 | $73,000 | $4,050,000 | $67,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 4 | $50,000 | $12,000 | $25,000 | $104,000 | $300,000 |
| 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 | 2,166 | $221,601,000 | $102,000 | $4,050,000 | $86,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,566 | $45,345,000 | $28,000 | $585,000 | $41,000 | $1,000,000 |
| Application Approved But Not Accepted | 225 | $21,433,000 | $95,000 | $744,000 | $73,000 | $1,200,000 |
| Application Withdrawn By Applicant | 50 | $5,165,000 | $103,000 | $500,000 | $56,000 | $225,000 |
| File Closed For Incompleteness | 17 | $1,973,000 | $116,000 | $680,000 | $51,000 | $141,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 804 | $23,829,000 | $29,000 | $405,000 | $33,000 | $240,000 |
| Other | 404 | $10,646,000 | $26,000 | $202,000 | $50,000 | $288,000 |
| Credit History | 308 | $8,148,000 | $26,000 | $585,000 | $46,000 | $343,000 |
| Collateral | 25 | $1,339,000 | $53,000 | $571,000 | $82,000 | $1,000,000 |
| Employment History | 12 | $215,000 | $17,000 | $72,000 | $29,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $198,000 | $49,000 | $132,000 | $41,000 | $86,000 |
| Unverifiable Information | 4 | $277,000 | $69,000 | $120,000 | $66,000 | $120,000 |
| Credit Application Incomplete | 3 | $596,000 | $198,000 | $240,000 | $106,000 | $180,000 |
| Mortgage Insurance Denied | 2 | $97,000 | $48,000 | $93,000 | $85,000 | $125,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Laredo National 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 The Laredo National 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.