Concho County, TX Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 69 mortgage applications in Concho County, TX totaling $8.3 million, up 30% from 2012. The average application was for $120,000, and applicants reported an average income of $71,000. 45% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 11 applications, followed by Envoy Mortgage, Ltd and 21st Mortgage.
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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 | 69 |
| Total Mortgage Loan Application Amount | $8,281,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $702,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $274,000 |
| 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 |
* | $ 1,266,125,000,000 | 11 | $ 1,058,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 6 | $ 587,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 304,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 202,944,000 | 3 | $ 434,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 3 | $ 162,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 3 | $ 331,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 2 | $ 121,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,587,134,000 | 2 | $ 296,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 2 | $ 173,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 2 | $ 49,000 |
| First State Bank 245 WEST MOSS, PO BOX 247 PAINT ROCK, TX 76866 |
* | $ 79,349,000 | 2 | $ 22,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 173,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 88,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 308,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 713,121,000 | 1 | $ 221,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ 80,006,000 | 1 | $ 67,000 |
| First Service Credit Union 9621 W. SAM HOUSTON PARKWAY N. HOUSTON, TX 77064 |
* | $ 329,075,000 | 1 | $ 189,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 123,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Crockett National Bank 8018 BROADWAY STE 200 SAN ANTONIO, TX 78209 |
* | $ 415,441,000 | 1 | $ 600,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 151,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 1 | $ 119,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 1 | $ 29,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 334,303,000 | 1 | $ 170,000 |
| Patriot Bank Mortgage 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 511,822,000 | 1 | $ 166,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 150,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 1 | $ 193,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 1 | $ 61,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 170,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 187,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 76,000 |
| The First National Bank of Ballinger 911 HUTCHINGS AVE BALLINGER, TX 76821 |
* | $ 136,499,000 | 1 | $ 702,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 4,472,275,000 | 1 | $ 36,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 352,672,000 | 1 | $ 206,000 |
The tables below break down 2013 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 2013
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 | 40 | $4,892,000 | $122,000 | $702,000 | $69,000 | $274,000 |
| Refinancing | 25 | $3,318,000 | $132,000 | $600,000 | $76,000 | $250,000 |
| Home Improvement | 4 | $71,000 | $17,000 | $45,000 | $66,000 | $95,000 |
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 | 47 | $6,431,000 | $136,000 | $702,000 | $82,000 | $274,000 |
| Hispanic | 13 | $932,000 | $71,000 | $138,000 | $68,000 | $250,000 |
| Not applicable | 6 | $538,000 | $89,000 | $170,000 | $13,000 | $78,000 |
| Not Provided | 2 | $229,000 | $114,000 | $150,000 | $46,000 | $53,000 |
| Black or African American | 1 | $151,000 | $151,000 | $151,000 | $31,000 | $31,000 |
| 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 |
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) | 44 | $5,635,000 | $128,000 | $702,000 | $81,000 | $274,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,633,000 | $108,000 | $221,000 | $60,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $626,000 | $89,000 | $138,000 | $33,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 3 | $387,000 | $129,000 | $150,000 | $70,000 | $74,000 |
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 | 31 | $4,023,000 | $129,000 | $702,000 | $86,000 | $274,000 |
| Loan Purchased By The Institution | 18 | $2,225,000 | $123,000 | $308,000 | $57,000 | $146,000 |
| Application Denied By Financial Institution | 14 | $1,402,000 | $100,000 | $600,000 | $59,000 | $250,000 |
| Application Approved But Not Accepted | 4 | $391,000 | $97,000 | $221,000 | $83,000 | $108,000 |
| Application Withdrawn By Applicant | 1 | $89,000 | $89,000 | $89,000 | $36,000 | $36,000 |
| File Closed For Incompleteness | 1 | $151,000 | $151,000 | $151,000 | $31,000 | $31,000 |
| 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 | 8 | $958,000 | $119,000 | $600,000 | $48,000 | $93,000 |
| Debt-To-Income Ratio | 2 | $151,000 | $75,000 | $79,000 | $28,000 | $40,000 |
| Collateral | 1 | $10,000 | $10,000 | $10,000 | $24,000 | $24,000 |
| Other | 1 | $88,000 | $88,000 | $88,000 | $61,000 | $61,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $250,000 | $250,000 |
| 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 |
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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