Baylor County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 56 mortgage applications in Baylor County, TX totaling $3.8 million, down 7% from 2011. The average application was for $67,000, and applicants reported an average income of $85,000. 57% of applications resulted in an originated loan and 23% were denied. The most active lender was American National Bank & Trust, with 11 applications, followed by Interbank and Herring 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 | 56 |
| Total Mortgage Loan Application Amount | $3,753,000 |
| Average Mortgage Loan Application Amount | $67,000 |
| Highest Mortgage Loan Application Amount | $216,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $872,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 467,285,000 | 11 | $ 919,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 1,842,680,000 | 11 | $ 495,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 562,646,000 | 5 | $ 111,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 4 | $ 223,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 3 | $ 140,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 3 | $ 122,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 3,157,134,000 | 2 | $ 157,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Waggoner National Bank 1818 TEXAS ST VERNON, TX 76384 |
* | $ 244,209,000 | 2 | $ 265,000 |
| First National Bank of Byers 505 MAIN BYERS, TX 76357 |
* | $ 102,819,000 | 1 | $ 65,000 |
| State National Bank of Texas 104 WEST PARK AVENUE IOWA PARK, TX 76367 |
* | $ 207,100,000 | 1 | $ 71,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 79,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 50,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 150,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE 2 MURRAY, UT 84107 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 248,128,000 | 1 | $ 59,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 2,470,701,000 | 1 | $ 32,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 81,000 |
| Qualtrust Credit Union 6201 E CAMPUS CIRCLE DR IRVING, TX 75063 |
* | $ 182,175,000 | 1 | $ 19,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 144,000 |
The tables below break down 2012 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 2012
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 | 28 | $2,492,000 | $89,000 | $216,000 | $68,000 | $163,000 |
| Home Purchase | 24 | $1,197,000 | $49,000 | $200,000 | $107,000 | $872,000 |
| Home Improvement | 4 | $64,000 | $16,000 | $25,000 | $66,000 | $125,000 |
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 | 50 | $3,440,000 | $68,000 | $216,000 | $88,000 | $872,000 |
| Not applicable | 3 | $187,000 | $62,000 | $102,000 | $0 | $0 |
| Not Provided | 2 | $111,000 | $55,000 | $79,000 | $116,000 | $232,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $125,000 | $125,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 49 | $3,379,000 | $68,000 | $216,000 | $96,000 | $872,000 |
| FHA-insured (Federal Housing Administration) | 4 | $178,000 | $44,000 | $50,000 | $6,000 | $25,000 |
| VA-guaranteed (Veterans Administration) | 2 | $115,000 | $57,000 | $79,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $81,000 | $81,000 | $81,000 | $40,000 | $40,000 |
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 | 32 | $2,078,000 | $64,000 | $216,000 | $104,000 | $872,000 |
| Application Denied By Financial Institution | 13 | $818,000 | $62,000 | $150,000 | $76,000 | $240,000 |
| Application Approved But Not Accepted | 4 | $294,000 | $73,000 | $102,000 | $69,000 | $110,000 |
| Loan Purchased By The Institution | 4 | $237,000 | $59,000 | $102,000 | $0 | $0 |
| Application Withdrawn By Applicant | 3 | $326,000 | $108,000 | $139,000 | $55,000 | $85,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $260,000 | $52,000 | $115,000 | $57,000 | $93,000 |
| Other | 2 | $235,000 | $117,000 | $150,000 | $91,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $36,000 | $36,000 | $36,000 | $240,000 | $240,000 |
| Collateral | 1 | $81,000 | $81,000 | $81,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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