Cottle County, TX Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 17 mortgage applications in Cottle County, TX totaling $1.4 million, up 89% from 2018. The average application was for $84,000, and applicants reported an average income of $105,000. 24% of applications resulted in an originated loan and 35% were denied. The most active lender was Navy Federal Credit Union, with 2 applications, followed by First Financial Bank and Ditech Financial LLC.
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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 | 17 |
| Total Mortgage Loan Application Amount | $1,435,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $105,000 |
| Highest Applicant Income | $678,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 2 | $ 50,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 7,703,083,000 | 1 | $ 95,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 25,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 295,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 75,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 45,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 145,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 45,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 1 | $ 155,000 |
| The People's Federal Credit Union PO BOX 9335 AMARILLO, TX 79109 |
* | $ 182,038,000 | 1 | $ 15,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 55,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 3,444,514,000 | 1 | $ 45,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 155,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,710,801,000 | 1 | $ 145,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 1 | $ 15,000 |
The tables below break down 2019 mortgage applications in Cottle 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 Cottle County, TX in 2019
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 | 7 | $685,000 | $97,000 | $155,000 | $75,000 | $100,000 |
| Cash-out Refinancing | 3 | $135,000 | $45,000 | $95,000 | $48,000 | $59,000 |
| Other Purpose | 3 | $75,000 | $25,000 | $45,000 | $30,000 | $38,000 |
| Refinancing | 2 | $350,000 | $175,000 | $295,000 | $430,000 | $678,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| Not Applicable | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
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 | 11 | $1,065,000 | $96,000 | $295,000 | $123,000 | $678,000 |
| Not applicable | 3 | $245,000 | $81,000 | $155,000 | $59,000 | $59,000 |
| Black or African American | 2 | $50,000 | $25,000 | $35,000 | $39,000 | $42,000 |
| Not Provided | 1 | $75,000 | $75,000 | $75,000 | $95,000 | $95,000 |
| Hispanic | 0 | $0 | $0 | $0 | $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 |
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) | 12 | $920,000 | $76,000 | $295,000 | $104,000 | $678,000 |
| VA-guaranteed (Veterans Administration) | 3 | $305,000 | $101,000 | $155,000 | $95,000 | $95,000 |
| FHA-insured (Federal Housing Administration) | 1 | $155,000 | $155,000 | $155,000 | $53,000 | $53,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $55,000 | $55,000 | $55,000 | $182,000 | $182,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 6 | $210,000 | $35,000 | $95,000 | $39,000 | $59,000 |
| Loan Originated | 4 | $300,000 | $75,000 | $145,000 | $67,000 | $100,000 |
| Loan Purchased By The Institution | 3 | $375,000 | $125,000 | $155,000 | $100,000 | $100,000 |
| Application Withdrawn By Applicant | 3 | $505,000 | $168,000 | $295,000 | $304,000 | $678,000 |
| File Closed For Incompleteness | 1 | $45,000 | $45,000 | $45,000 | $72,000 | $72,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 11 | $1,225,000 | $111,000 | $295,000 | $150,000 | $678,000 |
| Credit History | 3 | $125,000 | $41,000 | $95,000 | $51,000 | $59,000 |
| Debt-To-Income Ratio | 1 | $45,000 | $45,000 | $45,000 | $16,000 | $16,000 |
| Other | 1 | $15,000 | $15,000 | $15,000 | $36,000 | $36,000 |
| Collateral | 1 | $25,000 | $25,000 | $25,000 | $27,000 | $27,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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