Bailey County, TX Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 328 mortgage applications in Bailey County, TX totaling $18.6 million, up 16% from 2004. The average application was for $56,000, and applicants reported an average income of $48,000. 28% of applications resulted in an originated loan and 38% were denied. The most active lender was Beneficial Company LLC, with 62 applications, followed by Ameriquest Mortgage Company and Nationstar Mortgage.
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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 | 328 |
| Total Mortgage Loan Application Amount | $18,614,000 |
| Average Mortgage Loan Application Amount | $56,000 |
| Highest Mortgage Loan Application Amount | $277,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $247,000 |
Top Mortgage Lenders in Bailey County, TX (2005)
Ranked by the number of mortgage applications each lender reported in Bailey County, TX in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Beneficial Company LLC Mettawa, IL |
62 | $1,536,000 | $24,000 | $46,000 |
| 2 | Ameriquest Mortgage Company Orange, CA |
27 | $1,874,000 | $69,000 | $60,000 |
| 3 | Nationstar Mortgage Coppell, TX |
22 | $1,197,000 | $54,000 | $47,000 |
| 4 | Home123 Corporation Irvine, CA |
17 | $2,762,000 | $162,000 | $41,000 |
| 5 | Washington Mutual Bank Albion, NY |
15 | $870,000 | $58,000 | $26,000 |
| 6 | Gmac Mortgage LLC Ft. Washington, PA |
14 | $726,000 | $51,000 | $48,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
11 | $420,000 | $38,000 | $38,000 |
| 8 | First United Bank Lubbock, TX |
10 | $395,000 | $39,000 | $35,000 |
| 9 | Accredited Home Lenders, Inc San Diego, CA |
10 | $596,000 | $59,000 | $39,000 |
| 10 | Countrywide Home Loans Westlake Village, CA |
8 | $453,000 | $56,000 | $77,000 |
The tables below break down 2005 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 138 | $8,518,000 | $61,000 | $262,000 | $51,000 | $247,000 |
| Home Purchase | 100 | $6,415,000 | $64,000 | $200,000 | $46,000 | $180,000 |
| Home Improvement | 90 | $3,681,000 | $40,000 | $277,000 | $42,000 | $140,000 |
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 | 169 | $11,024,000 | $65,000 | $277,000 | $56,000 | $247,000 |
| Hispanic | 95 | $3,525,000 | $37,000 | $262,000 | $38,000 | $134,000 |
| Not Provided | 41 | $2,676,000 | $65,000 | $136,000 | $58,000 | $188,000 |
| Not applicable | 22 | $1,329,000 | $60,000 | $105,000 | $9,000 | $80,000 |
| Black or African American | 1 | $60,000 | $60,000 | $60,000 | $30,000 | $30,000 |
| 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) | 293 | $16,327,000 | $55,000 | $277,000 | $49,000 | $247,000 |
| FHA-insured (Federal Housing Administration) | 35 | $2,287,000 | $65,000 | $136,000 | $37,000 | $139,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 125 | $4,737,000 | $37,000 | $200,000 | $44,000 | $247,000 |
| Loan Originated | 92 | $5,690,000 | $61,000 | $208,000 | $59,000 | $212,000 |
| Application Withdrawn By Applicant | 51 | $4,601,000 | $90,000 | $277,000 | $49,000 | $192,000 |
| Loan Purchased By The Institution | 29 | $2,001,000 | $69,000 | $136,000 | $30,000 | $180,000 |
| File Closed For Incompleteness | 16 | $1,071,000 | $66,000 | $106,000 | $53,000 | $188,000 |
| Application Approved But Not Accepted | 15 | $514,000 | $34,000 | $67,000 | $36,000 | $68,000 |
| 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 | 32 | $995,000 | $31,000 | $72,000 | $39,000 | $124,000 |
| Other | 20 | $1,001,000 | $50,000 | $148,000 | $35,000 | $142,000 |
| Collateral | 9 | $601,000 | $66,000 | $135,000 | $67,000 | $240,000 |
| Debt-To-Income Ratio | 4 | $206,000 | $51,000 | $85,000 | $31,000 | $42,000 |
| Credit Application Incomplete | 2 | $95,000 | $47,000 | $51,000 | $73,000 | $87,000 |
| Employment History | 1 | $43,000 | $43,000 | $43,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $200,000 | $200,000 | $200,000 | $106,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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