Castro County, TX Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 149 mortgage applications in Castro County, TX totaling $11.0 million, down 36% from 2007. The average application was for $73,000, and applicants reported an average income of $51,000. 43% of applications resulted in an originated loan and 27% were denied. The most active lender was First United Bank, with 15 applications, followed by Peoples Bank 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 | 149 |
| Total Mortgage Loan Application Amount | $11,003,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $300,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 739,434,000 | 15 | $ 1,496,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 193,360,000 | 14 | $ 1,128,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 14 | $ 593,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 659,994,000 | 11 | $ 367,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 10 | $ 952,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 9 | $ 671,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 9 | $ 98,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 201,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 2,631,684,000 | 6 | $ 428,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 6 | $ 402,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 3 | $ 141,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 616,731,000 | 3 | $ 385,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 3 | $ 208,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 130,000 |
| Charter Bank 2130 EUBANK BLVD NE ALBUQUERQUE, NM 87112 |
* | $ 1,405,353,000 | 3 | $ 655,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 3 | $ 28,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 2 | $ 161,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 97,835,000 | 2 | $ 131,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 140,000 |
| First Financial Bank, N.A. 301 W. BEAUREGARD SAN ANGELO, TX 76903 |
* | $ 340,364,000 | 2 | $ 420,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 48,000 |
| Vista Bank 5840 W NORTHWEST HWY DALLAS, TX 75225 |
* | $ 130,528,000 | 1 | $ 119,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 43,810,702,000 | 1 | $ 350,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 192,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 40,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 6,357,701,000 | 1 | $ 345,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 1,492,991,000 | 1 | $ 94,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 30,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 100,000 |
| Alethes, LLC 8601 RR 2222 SUITE 1-150 AUSTIN, TX 78730 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 38,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 1 | $ 54,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 1,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 77,000 |
| Reunion Mortgage, Inc 860 HILLVIEW COURT #300 MILPITAS, CA 95035 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 55,000 |
The tables below break down 2008 mortgage applications in Castro 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 Castro 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 | 60 | $5,437,000 | $90,000 | $388,000 | $58,000 | $300,000 |
| Home Purchase | 56 | $4,351,000 | $77,000 | $388,000 | $53,000 | $177,000 |
| Home Improvement | 33 | $1,215,000 | $36,000 | $445,000 | $36,000 | $86,000 |
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 | 64 | $6,775,000 | $105,000 | $445,000 | $67,000 | $300,000 |
| Hispanic | 54 | $2,599,000 | $48,000 | $222,000 | $47,000 | $136,000 |
| Not Provided | 17 | $648,000 | $38,000 | $87,000 | $30,000 | $64,000 |
| Not applicable | 10 | $814,000 | $81,000 | $345,000 | $20,000 | $106,000 |
| Black or African American | 3 | $157,000 | $52,000 | $77,000 | $32,000 | $37,000 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $40,000 | $40,000 |
| Asian | 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) | 121 | $8,559,000 | $70,000 | $445,000 | $50,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,112,000 | $88,000 | $222,000 | $57,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $132,000 | $66,000 | $66,000 | $23,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 2 | $200,000 | $100,000 | $100,000 | $64,000 | $64,000 |
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 | 64 | $5,340,000 | $83,000 | $445,000 | $54,000 | $300,000 |
| Application Denied By Financial Institution | 40 | $1,840,000 | $46,000 | $180,000 | $44,000 | $136,000 |
| Application Approved But Not Accepted | 15 | $690,000 | $46,000 | $198,000 | $39,000 | $90,000 |
| Loan Purchased By The Institution | 15 | $2,095,000 | $139,000 | $388,000 | $68,000 | $191,000 |
| Application Withdrawn By Applicant | 9 | $414,000 | $46,000 | $75,000 | $47,000 | $61,000 |
| File Closed For Incompleteness | 6 | $624,000 | $104,000 | $192,000 | $61,000 | $111,000 |
| 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 | 10 | $440,000 | $44,000 | $81,000 | $47,000 | $75,000 |
| Collateral | 6 | $441,000 | $73,000 | $180,000 | $45,000 | $111,000 |
| Debt-To-Income Ratio | 4 | $106,000 | $26,000 | $50,000 | $42,000 | $51,000 |
| Unverifiable Information | 2 | $219,000 | $109,000 | $151,000 | $34,000 | $49,000 |
| Other | 1 | $61,000 | $61,000 | $61,000 | $66,000 | $66,000 |
| Credit Application Incomplete | 1 | $66,000 | $66,000 | $66,000 | $54,000 | $54,000 |
| 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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