Cochran County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 48 mortgage applications in Cochran County, TX totaling $2.9 million, down 2% from 2011. The average application was for $61,000, and applicants reported an average income of $96,000. 27% of applications resulted in an originated loan and 27% were denied. The most active lender was City Bank, with 13 applications, followed by Wells Fargo Bank NA 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 | 48 |
| Total Mortgage Loan Application Amount | $2,945,000 |
| Average Mortgage Loan Application Amount | $61,000 |
| Highest Mortgage Loan Application Amount | $196,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $876,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,020,141,000 | 13 | $ 841,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 11 | $ 818,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 278,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 3 | $ 21,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 97,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 72,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 53,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 1 | $ 60,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 1 | $ 191,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 19,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 593,537,000 | 1 | $ 64,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 23,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 31,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 264,196,000 | 1 | $ 60,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 94,000 |
| Aimbank 110 COLLEGE AVE LEVELLAND, TX 79336 |
* | $ 299,056,000 | 1 | $ 25,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 1,081,173,000 | 1 | $ 12,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 3,079,063,000 | 1 | $ 19,000 |
The tables below break down 2012 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 2012
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 | 36 | $2,376,000 | $66,000 | $191,000 | $73,000 | $366,000 |
| Refinancing | 6 | $485,000 | $80,000 | $196,000 | $136,000 | $420,000 |
| Home Improvement | 6 | $84,000 | $14,000 | $40,000 | $200,000 | $876,000 |
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 | 19 | $1,358,000 | $71,000 | $196,000 | $118,000 | $420,000 |
| Not Provided | 14 | $572,000 | $40,000 | $65,000 | $118,000 | $876,000 |
| Hispanic | 13 | $924,000 | $71,000 | $119,000 | $57,000 | $120,000 |
| Not applicable | 2 | $91,000 | $45,000 | $60,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 27 | $1,544,000 | $57,000 | $196,000 | $90,000 | $420,000 |
| FHA-insured (Federal Housing Administration) | 14 | $853,000 | $60,000 | $119,000 | $126,000 | $876,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $446,000 | $74,000 | $94,000 | $53,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 1 | $102,000 | $102,000 | $102,000 | $120,000 | $120,000 |
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 Purchased By The Institution | 14 | $1,106,000 | $79,000 | $196,000 | $104,000 | $420,000 |
| Application Denied By Financial Institution | 13 | $524,000 | $40,000 | $135,000 | $119,000 | $876,000 |
| Loan Originated | 13 | $842,000 | $64,000 | $119,000 | $81,000 | $366,000 |
| Application Withdrawn By Applicant | 5 | $396,000 | $79,000 | $191,000 | $82,000 | $133,000 |
| Application Approved But Not Accepted | 2 | $48,000 | $24,000 | $29,000 | $39,000 | $40,000 |
| File Closed For Incompleteness | 1 | $29,000 | $29,000 | $29,000 | $77,000 | $77,000 |
| 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 | $88,000 | $22,000 | $67,000 | $264,000 | $876,000 |
| Credit History | 2 | $55,000 | $27,000 | $30,000 | $38,000 | $45,000 |
| Collateral | 1 | $42,000 | $42,000 | $42,000 | $125,000 | $125,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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