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| Location |
Caldwell County TX
• Apply Here |
| Year | 2008 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 2008 |
| Total Number of Mortgage Applications | 1,213 |
| Total Amount of All Mortgage Loans Applied For | $118,552,000 |
| Average Mortgage Loan Amount Applied For | $97,000 |
| Highest Mortgage Loan Amount Applied For | $900,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,025,000 |
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| Home Improvement |
185 | $8,709,000 |
$47,000 | $240,000 |
$66,000 | $385,000 |
| Home Purchase |
545 | $57,692,000 |
$105,000 | $900,000 |
$63,000 | $1,025,000 |
| Refinancing |
483 | $52,151,000 |
$107,000 | $500,000 |
$64,000 | $490,000 |
|
| American Indian or Alaskan Native |
8 | $811,000 |
$101,000 | $179,000 |
$50,000 | $111,000 |
| Asian |
4 | $440,000 |
$110,000 | $280,000 |
$94,000 | $190,000 |
| Black or African American |
36 | $2,932,000 |
$81,000 | $218,000 |
$51,000 | $295,000 |
| Hispanic |
309 | $22,633,000 |
$73,000 | $405,000 |
$53,000 | $385,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
121 | $13,672,000 |
$112,000 | $325,000 |
$25,000 | $290,000 |
| Not Provided |
110 | $11,477,000 |
$104,000 | $500,000 |
$73,000 | $400,000 |
| White |
625 | $66,587,000 |
$106,000 | $900,000 |
$76,000 | $1,025,000 |
|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
964 | $90,168,000 |
$93,000 | $900,000 |
$70,000 | $1,025,000 |
| FHA-insured (Federal Housing Administration) |
210 | $24,709,000 |
$117,000 | $293,000 |
$45,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
18 | $1,617,000 |
$89,000 | $123,000 |
$26,000 | $57,000 |
| VA-guaranteed (Veterans Administration) |
21 | $2,058,000 |
$98,000 | $165,000 |
$26,000 | $71,000 |
|
| Application Approved But Not Accepted |
101 | $8,145,000 |
$80,000 | $300,000 |
$63,000 | $385,000 |
| Application Denied By Financial Institution |
362 | $29,334,000 |
$81,000 | $500,000 |
$58,000 | $336,000 |
| Application Withdrawn By Applicant |
81 | $8,671,000 |
$107,000 | $417,000 |
$81,000 | $1,025,000 |
| File Closed For Incompleteness |
19 | $1,926,000 |
$101,000 | $195,000 |
$101,000 | $795,000 |
| Loan Originated |
438 | $45,654,000 |
$104,000 | $900,000 |
$75,000 | $850,000 |
| Loan Purchased By The Institution |
212 | $24,822,000 |
$117,000 | $417,000 |
$40,000 | $290,000 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
|
| Collateral |
33 | $3,668,000 |
$111,000 | $413,000 |
$76,000 | $204,000 |
| Credit Application Incomplete |
12 | $1,468,000 |
$122,000 | $328,000 |
$69,000 | $150,000 |
| Credit History |
95 | $5,493,000 |
$57,000 | $240,000 |
$58,000 | $336,000 |
| Debt-To-Income Ratio |
43 | $3,682,000 |
$85,000 | $189,000 |
$47,000 | $180,000 |
| Employment History |
3 | $339,000 |
$113,000 | $161,000 |
$85,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
2 | $122,000 |
$61,000 | $62,000 |
$31,000 | $43,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
25 | $2,984,000 |
$119,000 | $330,000 |
$69,000 | $156,000 |
| Unverifiable Information |
5 | $464,000 |
$92,000 | $125,000 |
$92,000 | $166,000 |
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