Clay County, TX Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 356 mortgage applications in Clay County, TX totaling $35.4 million, up 6% from 2009. The average application was for $99,000, and applicants reported an average income of $68,000. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 43 applications, followed by American National Bank & Trust and First National Bank of Byers.
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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 | 356 |
| Total Mortgage Loan Application Amount | $35,414,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $450,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $350,000 |
* 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 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 43 | $ 4,078,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 479,800,000 | 38 | $ 4,101,000 |
| First National Bank of Byers 505 MAIN BYERS, TX 76357 |
* | $ 86,477,000 | 27 | $ 1,436,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 24 | $ 2,648,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ 221,862,000 | 21 | $ 2,922,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 17 | $ 979,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 14 | $ 1,269,000 |
| Legend Bank, N.A. 101 TARRANT ST BOWIE, TX 76230 |
* | $ 570,122,000 | 14 | $ 1,326,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 13 | $ 1,800,000 |
| First National Bank Mortgage 1540 E. SOUTHLAKE BLVD SOUTHLAKE, TX 76092 |
* | $ 258,665,000 | 12 | $ 1,201,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 11 | $ 993,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 8 | $ 725,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 8 | $ 543,000 |
| State National Bank of Texas 104 WEST PARK AVENUE IOWA PARK, TX 76367 |
* | $ 184,080,000 | 8 | $ 606,000 |
| Union Square CU 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 245,828,000 | 8 | $ 533,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 7 | $ 830,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 7 | $ 775,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 1,987,814,000 | 7 | $ 1,018,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 6 | $ 609,000 |
| Texoma Community Credit Union PO BOX 1320 WICHITA FALLS, TX 76308 |
* | $ 82,588,000 | 5 | $ 260,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 497,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 3 | $ 438,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 258,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 496,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 3 | $ 413,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 64,000 |
| First State Bank 1709 9TH ST BRIDGEPORT, TX 76426 |
* | $ 205,168,000 | 2 | $ 228,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 382,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 270,000 |
| Windthorst Federal Credit Unio PO BOX 127 WINDTHORST, TX 76389 |
* | $ 49,337,000 | 2 | $ 373,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 296,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 83,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Datcu 5940 SOUTH INTERSTATE 35 EAST CORINTH, TX 76210 |
* | $ 506,594,000 | 1 | $ 18,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 250,676,000 | 1 | $ 200,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 192,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 306,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 80,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,161,361,000,000 | 1 | $ 25,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 1,087,452,000 | 1 | $ 15,000 |
| North Texas Bank, N.A. PO BOX 1238 DECATUR, TX 76234 |
* | $ 106,054,000 | 1 | $ 450,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 82,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,042,946,000 | 1 | $ 50,000 |
| Encore Bank, NA NINE GREENWAY PLAZA, SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,628,188,000 | 1 | $ 85,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 12,000 |
| Abilene Teachers FCU P.O. BOX 5706 ABILENE, TX 79606 |
* | $ 268,636,000 | 1 | $ 78,000 |
| Fidelity Bank 2525 KELL BLVD., SUITE 100 WICHITA FALLS, TX 76308 |
* | $ 215,766,000 | 1 | $ 194,000 |
| Wichita Falls Teachers Federal Credit Union 4301 BARNETT RD. WICHITA FALLS, TX 76310 |
* | $ 60,712,000 | 1 | $ 60,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 141,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 424,638,000 | 1 | $ 128,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 97,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 128,000 |
The tables below break down 2010 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 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 | 186 | $18,298,000 | $98,000 | $450,000 | $63,000 | $350,000 |
| Refinancing | 145 | $16,553,000 | $114,000 | $306,000 | $75,000 | $250,000 |
| Home Improvement | 25 | $563,000 | $22,000 | $60,000 | $58,000 | $275,000 |
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 | 291 | $28,453,000 | $97,000 | $450,000 | $72,000 | $350,000 |
| Not applicable | 26 | $2,752,000 | $105,000 | $258,000 | $0 | $0 |
| Not Provided | 22 | $2,138,000 | $97,000 | $264,000 | $91,000 | $250,000 |
| Hispanic | 10 | $1,144,000 | $114,000 | $194,000 | $56,000 | $111,000 |
| Asian | 4 | $338,000 | $84,000 | $128,000 | $58,000 | $79,000 |
| American Indian or Alaskan Native | 2 | $313,000 | $156,000 | $245,000 | $103,000 | $170,000 |
| Black or African American | 1 | $276,000 | $276,000 | $276,000 | $98,000 | $98,000 |
| 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) | 261 | $24,868,000 | $95,000 | $450,000 | $71,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 58 | $6,322,000 | $109,000 | $245,000 | $58,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,615,000 | $137,000 | $276,000 | $58,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,609,000 | $89,000 | $204,000 | $57,000 | $350,000 |
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 | 172 | $16,682,000 | $96,000 | $288,000 | $71,000 | $249,000 |
| Loan Purchased By The Institution | 70 | $8,266,000 | $118,000 | $280,000 | $48,000 | $170,000 |
| Application Denied By Financial Institution | 66 | $5,473,000 | $82,000 | $306,000 | $64,000 | $275,000 |
| Application Withdrawn By Applicant | 26 | $3,587,000 | $137,000 | $450,000 | $92,000 | $350,000 |
| Application Approved But Not Accepted | 18 | $1,270,000 | $70,000 | $113,000 | $98,000 | $300,000 |
| File Closed For Incompleteness | 4 | $136,000 | $34,000 | $68,000 | $37,000 | $55,000 |
| 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 | 23 | $1,360,000 | $59,000 | $177,000 | $70,000 | $275,000 |
| Debt-To-Income Ratio | 15 | $1,867,000 | $124,000 | $306,000 | $42,000 | $148,000 |
| Other | 8 | $417,000 | $52,000 | $106,000 | $50,000 | $90,000 |
| Credit Application Incomplete | 5 | $534,000 | $106,000 | $191,000 | $98,000 | $165,000 |
| Collateral | 4 | $204,000 | $51,000 | $97,000 | $72,000 | $164,000 |
| Employment History | 3 | $395,000 | $131,000 | $285,000 | $88,000 | $168,000 |
| Unverifiable Information | 1 | $50,000 | $50,000 | $50,000 | $79,000 | $79,000 |
| 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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