Castro County, TX Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 105 mortgage applications in Castro County, TX totaling $8.4 million, down 10% from 2009. The average application was for $79,000, and applicants reported an average income of $57,000. 42% of applications resulted in an originated loan and 22% were denied. The most active lender was Bank of America, N.A., with 14 applications, followed by Firstbank Southwest and First United 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 | 105 |
| Total Mortgage Loan Application Amount | $8,399,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $300,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $175,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 14 | $ 1,386,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 701,647,000 | 11 | $ 457,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 896,528,000 | 8 | $ 756,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 7 | $ 387,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 2,792,382,000 | 6 | $ 190,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 237,874,000 | 6 | $ 280,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 5 | $ 545,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 674,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 5 | $ 343,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 281,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 159,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 1,987,814,000 | 3 | $ 373,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 305,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 202,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 2,404,212,000 | 2 | $ 97,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 1,320,666,000 | 2 | $ 110,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 60,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 612,256,000 | 1 | $ 76,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 180,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 100,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 32,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 424,638,000 | 1 | $ 182,000 |
| Access Community Credit Union 6401 BELL ST. AMARILLO, TX 79114 |
* | $ 80,148,000 | 1 | $ 36,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 64,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 155,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 44,000 |
| Sente Mortgage, Inc. 4520 BURNET ROAD AUSTIN, TX 78756 |
* | $ 1,000,000,000 | 1 | $ 185,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,042,946,000 | 1 | $ 79,000 |
| Lubbock National Bank 4811 50TH LUBBOCK, TX 79414 |
* | $ 715,690,000 | 1 | $ 52,000 |
The tables below break down 2010 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 2010
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 | 59 | $4,545,000 | $77,000 | $183,000 | $59,000 | $175,000 |
| Refinancing | 36 | $3,682,000 | $102,000 | $300,000 | $56,000 | $168,000 |
| Home Improvement | 10 | $172,000 | $17,000 | $40,000 | $48,000 | $120,000 |
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 | 49 | $4,566,000 | $93,000 | $300,000 | $65,000 | $168,000 |
| Hispanic | 44 | $2,420,000 | $55,000 | $123,000 | $44,000 | $175,000 |
| Not Provided | 7 | $761,000 | $108,000 | $300,000 | $59,000 | $120,000 |
| Not applicable | 2 | $207,000 | $103,000 | $132,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $366,000 | $183,000 | $183,000 | $165,000 | $165,000 |
| Black or African American | 1 | $79,000 | $79,000 | $79,000 | $88,000 | $88,000 |
| 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) | 54 | $4,286,000 | $79,000 | $300,000 | $63,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 43 | $3,459,000 | $80,000 | $183,000 | $50,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $344,000 | $57,000 | $76,000 | $36,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 2 | $310,000 | $155,000 | $155,000 | $125,000 | $126,000 |
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 | 44 | $3,514,000 | $79,000 | $300,000 | $56,000 | $175,000 |
| Loan Purchased By The Institution | 25 | $2,360,000 | $94,000 | $183,000 | $68,000 | $175,000 |
| Application Denied By Financial Institution | 23 | $1,776,000 | $77,000 | $300,000 | $46,000 | $120,000 |
| Application Withdrawn By Applicant | 6 | $389,000 | $64,000 | $90,000 | $63,000 | $166,000 |
| Application Approved But Not Accepted | 6 | $262,000 | $43,000 | $109,000 | $48,000 | $79,000 |
| File Closed For Incompleteness | 1 | $98,000 | $98,000 | $98,000 | $79,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $210,000 | $52,000 | $68,000 | $25,000 | $35,000 |
| Collateral | 3 | $528,000 | $176,000 | $185,000 | $80,000 | $99,000 |
| Credit History | 3 | $56,000 | $18,000 | $30,000 | $33,000 | $51,000 |
| Other | 2 | $107,000 | $53,000 | $74,000 | $57,000 | $69,000 |
| Unverifiable Information | 1 | $180,000 | $180,000 | $180,000 | $34,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 1 | $300,000 | $300,000 | $300,000 | $120,000 | $120,000 |
| Employment History | 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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