Clay County, TX Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 499 mortgage applications in Clay County, TX totaling $40.7 million, down 6% from 2006. The average application was for $81,000, and applicants reported an average income of $63,000. 43% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank, NA, with 55 applications, followed by Countrywide Home Loans and JPMorgan Chase 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 | 499 |
| Total Mortgage Loan Application Amount | $40,689,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $385,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $660,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 55 | $ 3,161,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 36 | $ 3,726,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 30 | $ 2,067,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 25 | $ 1,271,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 24 | $ 1,956,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 330,069,000 | 23 | $ 2,685,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 20 | $ 846,000 |
| First Bank 4110 KELL BOULEVARD WICHITA FALLS, TX 76309 |
* | $ 188,156,000 | 20 | $ 2,082,000 |
| First National Bank of Byers 505 MAIN BYERS, TX 76357 |
* | $ 85,158,000 | 17 | $ 1,069,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 16 | $ 1,766,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 15 | $ 1,655,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 14 | $ 1,422,000 |
| Union Square CU 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 189,313,000 | 12 | $ 912,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 11 | $ 730,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 10 | $ 788,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 924,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 547,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 8 | $ 655,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 8 | $ 809,000 |
| Legend Bank, N.A. 101 TARRANT ST BOWIE, TX 76230 |
* | $ 370,309,000 | 8 | $ 739,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 198,000 |
| State National Bank of Texas 104 WEST PARK AVENUE IOWA PARK, TX 76367 |
* | $ 151,673,000 | 7 | $ 809,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 7 | $ 702,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 718,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 6 | $ 649,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 6 | $ 419,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 177,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 30,802,955,000 | 4 | $ 109,000 |
| First National Bank Mortgage 1540 E. SOUTHLAKE BLVD SOUTHLAKE, TX 76092 |
* | $ 174,358,000 | 4 | $ 276,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 4 | $ 470,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 4 | $ 443,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 3 | $ 207,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 3 | $ 245,000 |
| Sanger Bank PO BOX 1029 SANGER, TX 76266 |
* | $ 88,262,000 | 3 | $ 81,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 3 | $ 242,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 3 | $ 364,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 2 | $ 125,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 282,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 330,000 |
| Home Federal Bank 624 MARKET ST SHREVEPORT, LA 71101 |
* | $ 123,431,000 | 2 | $ 96,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 2 | $ 71,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 2 | $ 262,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 2 | $ 145,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 275,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 282,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 100,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 131,400,000 | 2 | $ 213,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 184,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 112,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 2 | $ 187,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 77,000 |
| Granite Mortgage Corporation 5025 W. PARK BLVD., #300 PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 37,000 |
| Liberty Financial Group, Inc. 205 108TH AVE NE STE. 270 BELLEVUE, WA 98004 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 1 | $ 117,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 157,531,000 | 1 | $ 80,000 |
| Datcu 5940 SOUTH INTERSTATE 35 EAST CORINTH, TX 76210 |
* | $ 373,359,000 | 1 | $ 27,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 64,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 1 | $ 105,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 951,944,000 | 1 | $ 170,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 5,533,327,000 | 1 | $ 385,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 92,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,676,585,000 | 1 | $ 74,000 |
| Frost National Bank 100 W. HOUSTON T-5 SAN ANTONIO, TX 78205 |
* | $ 13,306,861,000 | 1 | $ 19,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 682,817,000 | 1 | $ 5,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 88,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 1 | $ 101,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 108,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 1 | $ 40,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 71,000 |
The tables below break down 2007 mortgage applications in Clay 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 Clay County, TX in 2007
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 | 257 | $22,786,000 | $88,000 | $385,000 | $61,000 | $476,000 |
| Refinancing | 190 | $16,286,000 | $85,000 | $229,000 | $67,000 | $660,000 |
| Home Improvement | 52 | $1,617,000 | $31,000 | $153,000 | $61,000 | $196,000 |
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 | 406 | $32,742,000 | $80,000 | $300,000 | $67,000 | $660,000 |
| Not applicable | 36 | $2,914,000 | $80,000 | $298,000 | $19,000 | $214,000 |
| Not Provided | 36 | $3,109,000 | $86,000 | $200,000 | $65,000 | $214,000 |
| Hispanic | 11 | $913,000 | $83,000 | $153,000 | $81,000 | $167,000 |
| American Indian or Alaskan Native | 5 | $317,000 | $63,000 | $85,000 | $61,000 | $100,000 |
| Black or African American | 4 | $567,000 | $141,000 | $385,000 | $45,000 | $77,000 |
| Asian | 1 | $127,000 | $127,000 | $127,000 | $65,000 | $65,000 |
| 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) | 427 | $34,055,000 | $79,000 | $385,000 | $66,000 | $660,000 |
| FHA-insured (Federal Housing Administration) | 33 | $2,312,000 | $70,000 | $106,000 | $52,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,262,000 | $148,000 | $298,000 | $69,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,060,000 | $62,000 | $82,000 | $14,000 | $48,000 |
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 | 215 | $18,457,000 | $85,000 | $300,000 | $69,000 | $222,000 |
| Application Denied By Financial Institution | 113 | $7,842,000 | $69,000 | $385,000 | $64,000 | $660,000 |
| Loan Purchased By The Institution | 78 | $6,835,000 | $87,000 | $298,000 | $44,000 | $214,000 |
| Application Withdrawn By Applicant | 42 | $3,708,000 | $88,000 | $230,000 | $60,000 | $125,000 |
| Application Approved But Not Accepted | 33 | $2,549,000 | $77,000 | $267,000 | $69,000 | $476,000 |
| File Closed For Incompleteness | 18 | $1,298,000 | $72,000 | $200,000 | $74,000 | $231,000 |
| 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 | 36 | $2,115,000 | $58,000 | $176,000 | $74,000 | $660,000 |
| Collateral | 10 | $739,000 | $73,000 | $130,000 | $48,000 | $102,000 |
| Other | 8 | $623,000 | $77,000 | $170,000 | $59,000 | $136,000 |
| Credit Application Incomplete | 5 | $308,000 | $61,000 | $96,000 | $79,000 | $140,000 |
| Debt-To-Income Ratio | 4 | $234,000 | $58,000 | $119,000 | $36,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $214,000 | $107,000 | $168,000 | $63,000 | $103,000 |
| Unverifiable Information | 1 | $143,000 | $143,000 | $143,000 | $375,000 | $375,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $84,000 | $84,000 |
| 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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