Cochran County, TX Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 58 mortgage applications in Cochran County, TX totaling $2.3 million, down 8% from 2007. The average application was for $39,000, and applicants reported an average income of $48,000. 33% of applications resulted in an originated loan and 45% were denied. The most active lender was Beneficial Company LLC, with 9 applications, followed by City Bank 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 | 58 |
| Total Mortgage Loan Application Amount | $2,288,000 |
| Average Mortgage Loan Application Amount | $39,000 |
| Highest Mortgage Loan Application Amount | $215,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $175,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 150,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 1,492,991,000 | 9 | $ 344,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 5 | $ 226,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 3 | $ 150,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 58,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 146,000 |
| Aimbank 110 COLLEGE AVE LEVELLAND, TX 79336 |
* | $ 120,642,000 | 3 | $ 69,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 3 | $ 74,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 3 | $ 341,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 2 | $ 85,000 |
| Charter Bank 2130 EUBANK BLVD NE ALBUQUERQUE, NM 87112 |
* | $ 1,405,353,000 | 2 | $ 127,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 76,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 1,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 1 | $ 17,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 1 | $ 72,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 36,000 |
| Navy Army Ccu 5725 SPOHN DRIVE CORPUS, TX 78414 |
* | $ 562,839,000 | 1 | $ 29,000 |
| Texans Credit Union 777 E. CAMPBELL ROAD #300 RICHARDSON, TX 75081 |
* | $ 1,943,642,000 | 1 | $ 42,000 |
| Access Community Credit Union 6401 BELL ST. AMARILLO, TX 79114 |
* | $ 66,952,000 | 1 | $ 35,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 79,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 739,434,000 | 1 | $ 20,000 |
| Sundown State Bank P. O. BOX 1621 LEVELLAND, TX 79336 |
* | $ 92,490,000 | 1 | $ 57,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 193,360,000 | 1 | $ 54,000 |
The tables below break down 2008 mortgage applications in Cochran 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 Cochran 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 28 | $1,277,000 | $45,000 | $98,000 | $51,000 | $155,000 |
| Home Improvement | 17 | $438,000 | $25,000 | $100,000 | $51,000 | $175,000 |
| Refinancing | 13 | $573,000 | $44,000 | $215,000 | $40,000 | $91,000 |
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 | 31 | $1,428,000 | $46,000 | $215,000 | $56,000 | $175,000 |
| Hispanic | 19 | $605,000 | $31,000 | $98,000 | $39,000 | $65,000 |
| Not Provided | 6 | $241,000 | $40,000 | $72,000 | $44,000 | $75,000 |
| Not applicable | 1 | $1,000 | $1,000 | $1,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $13,000 | $13,000 | $13,000 | $77,000 | $77,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 41 | $1,358,000 | $33,000 | $215,000 | $53,000 | $175,000 |
| FHA-insured (Federal Housing Administration) | 16 | $863,000 | $53,000 | $98,000 | $38,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $67,000 | $67,000 | $67,000 | $30,000 | $30,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 26 | $968,000 | $37,000 | $215,000 | $48,000 | $175,000 |
| Loan Originated | 19 | $751,000 | $39,000 | $79,000 | $54,000 | $155,000 |
| Loan Purchased By The Institution | 7 | $356,000 | $50,000 | $98,000 | $38,000 | $66,000 |
| Application Withdrawn By Applicant | 4 | $132,000 | $33,000 | $73,000 | $42,000 | $91,000 |
| Application Approved But Not Accepted | 2 | $81,000 | $40,000 | $45,000 | $49,000 | $75,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | $348,000 | $34,000 | $100,000 | $56,000 | $175,000 |
| Debt-To-Income Ratio | 2 | $250,000 | $125,000 | $215,000 | $44,000 | $52,000 |
| Collateral | 1 | $42,000 | $42,000 | $42,000 | $28,000 | $28,000 |
| Other | 1 | $50,000 | $50,000 | $50,000 | $70,000 | $70,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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