Cochran County, TX Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 42 mortgage applications in Cochran County, TX totaling $2.8 million, up 56% from 2016. The average application was for $66,000, and applicants reported an average income of $63,000. 33% of applications resulted in an originated loan and 17% were denied. The most active lender was City Bank, with 13 applications, followed by Wells Fargo Bank NA and Caliber Home Loans, Inc..
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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 | 42 |
| Total Mortgage Loan Application Amount | $2,791,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $189,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $218,000 |
| 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 |
* | $ 2,496,841,000 | 13 | $ 775,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 4 | $ 355,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 193,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 58,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 137,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 103,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 98,000 |
| Aimbank 110 COLLEGE AVE LEVELLAND, TX 79336 |
* | $ 843,174,000 | 1 | $ 60,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 9,512,407,000 | 1 | $ 1,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ -1,000 | 1 | $ 61,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 1 | $ 79,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 51,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 48,000 |
| Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50TH ST LUBBOCK, TX 79413 |
* | $ 0 | 1 | $ 125,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 86,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 48,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 6,782,077,000 | 1 | $ 189,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 95,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 80,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 22,318,430,000 | 1 | $ 2,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 69,000 |
The tables below break down 2017 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 2017
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 | 29 | $1,905,000 | $65,000 | $189,000 | $57,000 | $156,000 |
| Refinancing | 7 | $596,000 | $85,000 | $125,000 | $75,000 | $210,000 |
| Home Improvement | 6 | $290,000 | $48,000 | $119,000 | $81,000 | $218,000 |
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 | 22 | $1,666,000 | $75,000 | $189,000 | $90,000 | $218,000 |
| Hispanic | 11 | $530,000 | $48,000 | $87,000 | $41,000 | $96,000 |
| Not applicable | 6 | $484,000 | $80,000 | $119,000 | $10,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $100,000 | $50,000 | $50,000 | $75,000 | $75,000 |
| Not Provided | 1 | $11,000 | $11,000 | $11,000 | $16,000 | $16,000 |
| 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) | 22 | $1,510,000 | $68,000 | $189,000 | $82,000 | $218,000 |
| FHA-insured (Federal Housing Administration) | 14 | $844,000 | $60,000 | $95,000 | $57,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $274,000 | $68,000 | $76,000 | $16,000 | $40,000 |
| VA-guaranteed (Veterans Administration) | 2 | $163,000 | $81,000 | $85,000 | $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 |
|---|---|---|---|---|---|---|
| Loan Originated | 14 | $882,000 | $63,000 | $189,000 | $66,000 | $210,000 |
| Loan Purchased By The Institution | 10 | $824,000 | $82,000 | $189,000 | $32,000 | $156,000 |
| Application Denied By Financial Institution | 7 | $354,000 | $50,000 | $87,000 | $67,000 | $115,000 |
| Application Withdrawn By Applicant | 5 | $304,000 | $60,000 | $95,000 | $91,000 | $218,000 |
| Application Approved But Not Accepted | 4 | $305,000 | $76,000 | $125,000 | $104,000 | $121,000 |
| File Closed For Incompleteness | 2 | $122,000 | $61,000 | $79,000 | $42,000 | $63,000 |
| 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 | 1 | $2,000 | $2,000 | $2,000 | $25,000 | $25,000 |
| Debt-To-Income Ratio | 1 | $60,000 | $60,000 | $60,000 | $90,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $33,000 | $33,000 | $33,000 | $24,000 | $24,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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