Concho County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 53 mortgage applications in Concho County, TX totaling $6.1 million, up 2% from 2011. The average application was for $115,000, and applicants reported an average income of $105,000. 45% of applications resulted in an originated loan and 25% were denied. The most active lender was Wells Fargo Bank NA, with 6 applications, followed by Colonial Savings and Ntfn, 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 | 53 |
| Total Mortgage Loan Application Amount | $6,123,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $480,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $475,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 6 | $ 537,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 5 | $ 645,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 5 | $ 593,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 4 | $ 295,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ 80,127,000 | 3 | $ 173,000 |
| First State Bank 245 WEST MOSS, PO BOX 247 PAINT ROCK, TX 76866 |
* | $ 79,054,000 | 3 | $ 52,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,507,508,000 | 2 | $ 178,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 282,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 313,430,000 | 2 | $ 329,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 201,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 272,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 480,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 63,106,987,000 | 1 | $ 350,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 66,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 174,000 |
| First Financial Bank, N.A. 301 W. BEAUREGARD SAN ANGELO, TX 76903 |
* | $ 419,866,000 | 1 | $ 85,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 227,903,000 | 1 | $ 100,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 73,000 |
| The First National Bank of Ballinger 911 HUTCHINGS AVE BALLINGER, TX 76821 |
* | $ 128,697,000 | 1 | $ 224,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 69,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 20,000 |
| Concho Educators Federal Credit Union 3215 WEST LOOP 306 SAN ANGELO, TX 76904 |
* | $ 64,105,000 | 1 | $ 45,000 |
| Coleman County State Bank 118 WEST PECAN STREET, P O BOX 940 COLEMAN, TX 76834 |
* | $ 78,520,000 | 1 | $ 158,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 9,816,225,000 | 1 | $ 248,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 1 | $ 73,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 172,000 |
The tables below break down 2012 mortgage applications in Concho 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 Concho 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 | 30 | $3,953,000 | $131,000 | $480,000 | $106,000 | $475,000 |
| Refinancing | 21 | $2,147,000 | $102,000 | $350,000 | $108,000 | $346,000 |
| Home Improvement | 2 | $23,000 | $11,000 | $20,000 | $53,000 | $70,000 |
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 | 43 | $5,304,000 | $123,000 | $480,000 | $107,000 | $475,000 |
| Not Provided | 4 | $203,000 | $50,000 | $100,000 | $108,000 | $204,000 |
| Hispanic | 4 | $271,000 | $67,000 | $84,000 | $54,000 | $63,000 |
| American Indian or Alaskan Native | 1 | $272,000 | $272,000 | $272,000 | $164,000 | $164,000 |
| Not applicable | 1 | $73,000 | $73,000 | $73,000 | $164,000 | $164,000 |
| 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) | 43 | $5,071,000 | $117,000 | $480,000 | $114,000 | $475,000 |
| FHA-insured (Federal Housing Administration) | 5 | $615,000 | $123,000 | $191,000 | $84,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $437,000 | $87,000 | $114,000 | $52,000 | $75,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 24 | $2,577,000 | $107,000 | $248,000 | $111,000 | $346,000 |
| Application Denied By Financial Institution | 13 | $1,857,000 | $142,000 | $480,000 | $103,000 | $475,000 |
| Loan Purchased By The Institution | 9 | $879,000 | $97,000 | $248,000 | $93,000 | $164,000 |
| Application Withdrawn By Applicant | 4 | $518,000 | $129,000 | $272,000 | $133,000 | $204,000 |
| Application Approved But Not Accepted | 2 | $223,000 | $111,000 | $172,000 | $37,000 | $50,000 |
| File Closed For Incompleteness | 1 | $69,000 | $69,000 | $69,000 | $122,000 | $122,000 |
| 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 | 5 | $542,000 | $108,000 | $350,000 | $55,000 | $71,000 |
| Collateral | 2 | $560,000 | $280,000 | $480,000 | $299,000 | $475,000 |
| Unverifiable Information | 2 | $452,000 | $226,000 | $227,000 | $55,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $166,000 | $166,000 |
| Debt-To-Income Ratio | 1 | $85,000 | $85,000 | $85,000 | $67,000 | $67,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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