Baylor County, TX Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 81 mortgage applications in Baylor County, TX totaling $4.8 million, down 27% from 2007. The average application was for $59,000, and applicants reported an average income of $114,000. 30% of applications resulted in an originated loan and 35% were denied. The most active lender was Citimortgage, Inc, with 12 applications, followed by American National Bank & Trust and Beneficial Company LLC.
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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 | 81 |
| Total Mortgage Loan Application Amount | $4,835,000 |
| Average Mortgage Loan Application Amount | $59,000 |
| Highest Mortgage Loan Application Amount | $182,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $1,451,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 12 | $ 848,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 333,374,000 | 11 | $ 770,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 358,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 5 | $ 284,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 4 | $ 50,000 |
| Waggoner National Bank 1818 TEXAS ST VERNON, TX 76384 |
* | $ 217,296,000 | 3 | $ 57,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 210,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 3 | $ 168,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 243,996,000 | 2 | $ 65,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 2 | $ 223,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 70,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 99,000 |
| Amegy Mortgage Company, L.L.C 4576 RESEARCH FOREST BLVD THE WOODLANDS, TX 77381 |
* | $ 31,000,000 | 1 | $ 180,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 20,000 |
| Bank of Texas, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 4,058,543,000 | 1 | $ 44,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 46,000 |
| First National Bank in Munday 111 S. MUNDAY AVENUE MUNDAY, TX 76371 |
* | $ 68,404,000 | 1 | $ 170,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 6,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 1 | $ 50,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 1 | $ 80,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 78,000 |
| Viewpoint Bank 1309 W 15TH, SUITE 302 PLANO, TX 75075 |
* | $ 1,658,204,000 | 1 | $ 63,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 138,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 44,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 31,000 |
| Viewpoint Bankers Mortgage Inc 720 E. ARAPAHO RICHARDSON, TX 75081 |
* | $ 1,529,760,000 | 1 | $ 63,000 |
| Qualtrust Credit Union 6201 E CAMPUS CIRCLE DR IRVING, TX 75063 |
* | $ 135,420,000 | 1 | $ 8,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 80,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 61,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 60,000 |
| Lone Star State Bank of West Texas 6220 MILWAUKEE AVENUE LUBBOCK, TX 79424 |
* | $ 87,569,000 | 1 | $ 56,000 |
| Orange Savings Bank 812 N 16TH STREET ORANGE, TX 77630 |
* | $ 309,915,000 | 1 | $ 75,000 |
The tables below break down 2008 mortgage applications in Baylor 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 Baylor 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 35 | $2,495,000 | $71,000 | $182,000 | $149,000 | $1,451,000 |
| Refinancing | 33 | $2,043,000 | $61,000 | $180,000 | $95,000 | $650,000 |
| Home Improvement | 13 | $297,000 | $22,000 | $50,000 | $66,000 | $247,000 |
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 | 63 | $3,673,000 | $58,000 | $182,000 | $128,000 | $1,451,000 |
| Not applicable | 8 | $646,000 | $80,000 | $182,000 | $65,000 | $125,000 |
| Not Provided | 6 | $379,000 | $63,000 | $138,000 | $70,000 | $159,000 |
| Hispanic | 3 | $102,000 | $34,000 | $36,000 | $46,000 | $60,000 |
| Black or African American | 1 | $35,000 | $35,000 | $35,000 | $52,000 | $52,000 |
| 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) | 65 | $3,681,000 | $56,000 | $180,000 | $125,000 | $1,451,000 |
| FHA-insured (Federal Housing Administration) | 13 | $959,000 | $73,000 | $182,000 | $69,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 2 | $160,000 | $80,000 | $80,000 | $64,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $35,000 | $35,000 | $35,000 | $25,000 | $25,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 28 | $1,500,000 | $53,000 | $180,000 | $84,000 | $650,000 |
| Loan Originated | 24 | $1,313,000 | $54,000 | $182,000 | $140,000 | $1,451,000 |
| Loan Purchased By The Institution | 13 | $966,000 | $74,000 | $182,000 | $168,000 | $1,451,000 |
| Application Withdrawn By Applicant | 8 | $429,000 | $53,000 | $80,000 | $66,000 | $135,000 |
| Application Approved But Not Accepted | 6 | $521,000 | $86,000 | $170,000 | $122,000 | $271,000 |
| File Closed For Incompleteness | 2 | $106,000 | $53,000 | $61,000 | $29,000 | $32,000 |
| 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 | 8 | $684,000 | $85,000 | $180,000 | $145,000 | $650,000 |
| Credit History | 5 | $192,000 | $38,000 | $78,000 | $58,000 | $103,000 |
| Credit Application Incomplete | 1 | $51,000 | $51,000 | $51,000 | $139,000 | $139,000 |
| Other | 1 | $10,000 | $10,000 | $10,000 | $45,000 | $45,000 |
| Unverifiable Information | 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 |
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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