Baylor County, TX Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 76 mortgage applications in Baylor County, TX totaling $6.5 million, down 7% from 2014. The average application was for $85,000, and applicants reported an average income of $56,000. 42% of applications resulted in an originated loan and 21% were denied. The most active lender was Interbank, with 21 applications, followed by Herring Bank and Wells Fargo Bank NA.
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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 | 76 |
| Total Mortgage Loan Application Amount | $6,526,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $246,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 2,604,066,000 | 21 | $ 1,290,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 430,598,000 | 10 | $ 455,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 6 | $ 418,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 5 | $ 451,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 3 | $ 271,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ 328,434,000 | 3 | $ 205,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 2 | $ 129,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 220,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 279,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 190,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 101,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 1 | $ 39,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 1 | $ 129,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 2,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 92,000 |
| First National Bank of Central Texas 1835 N. VALLEY MILLS DR. WACO, TX 76710 |
* | $ 732,244,000 | 1 | $ 900,000 |
| Union Square CU 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 330,566,000 | 1 | $ 47,000 |
| First Bank Texas 966 N JUDGE ELY BLVD ABILENE, TX 79601 |
* | $ 406,574,000 | 1 | $ 68,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 38,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Wichita Falls Teachers Federal Credit Union 4301 BARNETT RD. WICHITA FALLS, TX 76310 |
* | $ 69,704,000 | 1 | $ 45,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 94,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 254,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 1 | $ 195,000 |
| Capital Farm Credit, Aca 3000 BRIARCREST DRIVE SUITE 601 BRYAN, TX 77802 |
* | $ 242,905,000 | 1 | $ 55,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 83,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 379,825,000 | 1 | $ 52,000 |
The tables below break down 2015 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 2015
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 | 60 | $4,999,000 | $83,000 | $900,000 | $48,000 | $246,000 |
| Refinancing | 14 | $1,470,000 | $105,000 | $231,000 | $89,000 | $210,000 |
| Home Improvement | 2 | $57,000 | $28,000 | $32,000 | $71,000 | $84,000 |
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 | 61 | $5,231,000 | $85,000 | $900,000 | $65,000 | $246,000 |
| Not applicable | 15 | $1,295,000 | $86,000 | $254,000 | $20,000 | $112,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 55 | $4,882,000 | $88,000 | $900,000 | $63,000 | $246,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,079,000 | $71,000 | $113,000 | $36,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $142,000 | $47,000 | $51,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 3 | $423,000 | $141,000 | $144,000 | $95,000 | $95,000 |
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 | $3,337,000 | $104,000 | $900,000 | $72,000 | $246,000 |
| Loan Purchased By The Institution | 20 | $1,661,000 | $83,000 | $254,000 | $34,000 | $112,000 |
| Application Denied By Financial Institution | 16 | $893,000 | $55,000 | $100,000 | $49,000 | $120,000 |
| Application Withdrawn By Applicant | 4 | $286,000 | $71,000 | $135,000 | $58,000 | $95,000 |
| Application Approved But Not Accepted | 3 | $189,000 | $63,000 | $76,000 | $69,000 | $80,000 |
| File Closed For Incompleteness | 1 | $160,000 | $160,000 | $160,000 | $75,000 | $75,000 |
| 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 Application Incomplete | 1 | $94,000 | $94,000 | $94,000 | $48,000 | $48,000 |
| Credit History | 1 | $40,000 | $40,000 | $40,000 | $39,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $22,000 | $22,000 | $22,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Collateral | 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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