Bailey County, TX Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 198 mortgage applications in Bailey County, TX totaling $12.1 million, down 18% from 2007. The average application was for $60,000, and applicants reported an average income of $60,000. 37% of applications resulted in an originated loan and 32% were denied. The most active lender was Capital One NA, with 25 applications, followed by Beneficial Company LLC and First United Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 198 |
| Total Mortgage Loan Application Amount | $12,050,000 |
| Average Mortgage Loan Application Amount | $60,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $780,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 25 | $ 246,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 21 | $ 1,169,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 739,434,000 | 16 | $ 723,000 |
| Security State Bank 501 PHELPS AVE; PO BOX 470 LITTLEFIELD, TX 79339 |
* | $ 99,896,000 | 14 | $ 1,013,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 14 | $ 527,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 13 | $ 1,162,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 11 | $ 1,019,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 7 | $ 513,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 6 | $ 342,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 6 | $ 433,000 |
| Charter Bank 2130 EUBANK BLVD NE ALBUQUERQUE, NM 87112 |
* | $ 1,405,353,000 | 6 | $ 503,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 459,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 3 | $ 200,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 64,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 3 | $ 31,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 3 | $ 232,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 263,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 124,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 139,000 |
| Lone Star State Bank of West Texas 6220 MILWAUKEE AVENUE LUBBOCK, TX 79424 |
* | $ 87,569,000 | 2 | $ 70,000 |
| Aimbank 110 COLLEGE AVE LEVELLAND, TX 79336 |
* | $ 120,642,000 | 2 | $ 90,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 102,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 164,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 100,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 13,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 1 | $ 37,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 35,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 1 | $ 165,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 300,000 |
| Hometrust Mortgage Company 5353 W. ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 108,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 60,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Access Community Credit Union 6401 BELL ST. AMARILLO, TX 79114 |
* | $ 66,952,000 | 1 | $ 105,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 100,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 3,154,401,000 | 1 | $ 50,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 193,360,000 | 1 | $ 58,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 2,073,422,000 | 1 | $ 23,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 1,492,991,000 | 1 | $ 198,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 97,835,000 | 1 | $ 63,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 116,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 57,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 949,331,000 | 1 | $ 36,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 107,000 |
The tables below break down 2008 mortgage applications in Bailey County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Bailey County, TX in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 75 | $5,677,000 | $75,000 | $202,000 | $53,000 | $158,000 |
| Home Purchase | 67 | $5,132,000 | $76,000 | $300,000 | $54,000 | $518,000 |
| Home Improvement | 56 | $1,241,000 | $22,000 | $75,000 | $76,000 | $780,000 |
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 |
|---|---|---|---|---|---|---|
| White | 96 | $6,483,000 | $67,000 | $300,000 | $72,000 | $780,000 |
| Hispanic | 68 | $3,369,000 | $49,000 | $125,000 | $51,000 | $192,000 |
| Not applicable | 17 | $1,450,000 | $85,000 | $202,000 | $41,000 | $144,000 |
| Not Provided | 16 | $716,000 | $44,000 | $140,000 | $50,000 | $130,000 |
| Black or African American | 1 | $32,000 | $32,000 | $32,000 | $49,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 154 | $8,477,000 | $55,000 | $300,000 | $65,000 | $780,000 |
| FHA-insured (Federal Housing Administration) | 38 | $2,983,000 | $78,000 | $176,000 | $43,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 4 | $476,000 | $119,000 | $149,000 | $40,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $114,000 | $57,000 | $57,000 | $14,000 | $28,000 |
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 | 73 | $4,194,000 | $57,000 | $198,000 | $73,000 | $780,000 |
| Application Denied By Financial Institution | 63 | $3,235,000 | $51,000 | $300,000 | $51,000 | $200,000 |
| Loan Purchased By The Institution | 35 | $3,086,000 | $88,000 | $202,000 | $46,000 | $144,000 |
| Application Withdrawn By Applicant | 11 | $779,000 | $70,000 | $100,000 | $63,000 | $130,000 |
| Application Approved But Not Accepted | 9 | $380,000 | $42,000 | $116,000 | $59,000 | $100,000 |
| File Closed For Incompleteness | 7 | $376,000 | $53,000 | $65,000 | $68,000 | $158,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 23 | $837,000 | $36,000 | $300,000 | $55,000 | $200,000 |
| Debt-To-Income Ratio | 5 | $229,000 | $45,000 | $82,000 | $30,000 | $46,000 |
| Other | 3 | $250,000 | $83,000 | $140,000 | $54,000 | $70,000 |
| Unverifiable Information | 3 | $151,000 | $50,000 | $65,000 | $49,000 | $77,000 |
| Collateral | 1 | $40,000 | $40,000 | $40,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 1 | $69,000 | $69,000 | $69,000 | $40,000 | $40,000 |
| 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 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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