Castro County, TX Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 117 mortgage applications in Castro County, TX totaling $8.7 million, down 21% from 2008. The average application was for $74,000, and applicants reported an average income of $85,000. 35% of applications resulted in an originated loan and 19% were denied. The most active lender was Citibank, N.A., with 12 applications, followed by Wells Fargo Bank, NA and Bank of America, N.A..
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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 | 117 |
| Total Mortgage Loan Application Amount | $8,674,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $361,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $850,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 12 | $ 241,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 9 | $ 420,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 9 | $ 757,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 239,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 827,646,000 | 9 | $ 698,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 217,667,000 | 6 | $ 474,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 6 | $ 521,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 685,227,000 | 5 | $ 311,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 474,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,041,440,000 | 4 | $ 485,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 2,711,760,000 | 4 | $ 310,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 1,862,835,000 | 3 | $ 551,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 293,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 326,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 115,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 2 | $ 147,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 390,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 114,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 51,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 981,332,000 | 2 | $ 37,000 |
| Texas Heritage Bank 1208 SOUTH MAIN STREET BOERNE, TX 78006 |
* | $ 81,283,000 | 1 | $ 85,000 |
| Vista Bank 5840 W NORTHWEST HWY DALLAS, TX 75225 |
* | $ 141,707,000 | 1 | $ 124,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 211,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 62,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 14,000 |
| The People's Federal Credit Union PO BOX 9335 AMARILLO, TX 79109 |
* | $ 97,622,000 | 1 | $ 15,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,049,192,000 | 1 | $ 32,000 |
| Education Credit Union 4400 INTERSTATE 40 WEST AMARILLO, TX 79106 |
* | $ 132,455,000 | 1 | $ 55,000 |
| Megastar Financial 1080 CHEROKEE ST DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 361,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 82,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 154,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 31,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 591,753,000 | 1 | $ 69,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 116,326,000 | 1 | $ 76,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 2,200,542,000 | 1 | $ 32,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 10,638,109,000 | 1 | $ 39,000 |
The tables below break down 2009 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 2009
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 | 59 | $5,124,000 | $86,000 | $361,000 | $89,000 | $850,000 |
| Home Purchase | 46 | $3,231,000 | $70,000 | $240,000 | $91,000 | $780,000 |
| Home Improvement | 12 | $319,000 | $26,000 | $124,000 | $44,000 | $117,000 |
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 | 56 | $5,689,000 | $101,000 | $361,000 | $138,000 | $850,000 |
| Hispanic | 27 | $1,305,000 | $48,000 | $154,000 | $34,000 | $75,000 |
| Not applicable | 20 | $975,000 | $48,000 | $187,000 | $36,000 | $299,000 |
| Not Provided | 12 | $640,000 | $53,000 | $160,000 | $40,000 | $95,000 |
| Black or African American | 1 | $54,000 | $54,000 | $54,000 | $20,000 | $20,000 |
| American Indian or Alaskan Native | 1 | $11,000 | $11,000 | $11,000 | $80,000 | $80,000 |
| 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) | 89 | $6,361,000 | $71,000 | $361,000 | $101,000 | $850,000 |
| FHA-insured (Federal Housing Administration) | 23 | $1,897,000 | $82,000 | $211,000 | $35,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 3 | $262,000 | $87,000 | $94,000 | $37,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $154,000 | $77,000 | $77,000 | $20,000 | $41,000 |
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 | 41 | $3,338,000 | $81,000 | $340,000 | $109,000 | $850,000 |
| Loan Purchased By The Institution | 38 | $2,572,000 | $67,000 | $204,000 | $70,000 | $459,000 |
| Application Denied By Financial Institution | 22 | $1,548,000 | $70,000 | $361,000 | $79,000 | $780,000 |
| Application Withdrawn By Applicant | 7 | $816,000 | $116,000 | $308,000 | $58,000 | $132,000 |
| Application Approved But Not Accepted | 6 | $283,000 | $47,000 | $164,000 | $64,000 | $150,000 |
| File Closed For Incompleteness | 2 | $102,000 | $51,000 | $62,000 | $59,000 | $64,000 |
| Preapproval Denied by Financial Institution | 1 | $15,000 | $15,000 | $15,000 | $163,000 | $163,000 |
| Preapproval Approved but not Accepted | 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 | 8 | $414,000 | $51,000 | $124,000 | $46,000 | $75,000 |
| Collateral | 3 | $467,000 | $155,000 | $361,000 | $118,000 | $163,000 |
| Debt-To-Income Ratio | 2 | $79,000 | $39,000 | $50,000 | $21,000 | $31,000 |
| Employment History | 1 | $67,000 | $67,000 | $67,000 | $1,000 | $1,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $38,000 | $38,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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