Cottle County, TX Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 15 mortgage applications in Cottle County, TX totaling $1.2 million, down 12% from 2019. The average application was for $79,000, and applicants reported an average income of $57,000. 40% of applications resulted in an originated loan and 27% were denied. The most active lender was Cardinal Financial Company, Li, with 1 applications, followed by Truist Bank and First United Bank and Trust Company.
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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 | 15 |
| Total Mortgage Loan Application Amount | $1,185,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $154,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 55,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 1 | $ 55,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 8,090,901,000 | 1 | $ 135,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,235,138,000 | 1 | $ 85,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 55,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 5,700,689,000 | 1 | $ 55,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 3,824,411,000 | 1 | $ 35,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 75,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 55,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,712,795,000 | 1 | $ 255,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2020 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 2020
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 | 11 | $985,000 | $89,000 | $255,000 | $60,000 | $154,000 |
| Refinancing | 3 | $115,000 | $38,000 | $55,000 | $26,000 | $51,000 |
| Other Purpose | 1 | $85,000 | $85,000 | $85,000 | $128,000 | $128,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 10 | $910,000 | $91,000 | $255,000 | $70,000 | $154,000 |
| Not Provided | 2 | $110,000 | $55,000 | $55,000 | $29,000 | $32,000 |
| Hispanic | 2 | $110,000 | $55,000 | $55,000 | $34,000 | $36,000 |
| Not applicable | 1 | $55,000 | $55,000 | $55,000 | $33,000 | $33,000 |
| 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 |
| 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) | 7 | $695,000 | $99,000 | $255,000 | $83,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $220,000 | $55,000 | $55,000 | $33,000 | $36,000 |
| VA-guaranteed (Veterans Administration) | 2 | $210,000 | $105,000 | $165,000 | $58,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 2 | $60,000 | $30,000 | $55,000 | $17,000 | $35,000 |
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 | 6 | $550,000 | $91,000 | $165,000 | $67,000 | $128,000 |
| Application Denied By Financial Institution | 4 | $430,000 | $107,000 | $255,000 | $54,000 | $81,000 |
| Application Withdrawn By Applicant | 3 | $145,000 | $48,000 | $55,000 | $72,000 | $154,000 |
| File Closed For Incompleteness | 1 | $5,000 | $5,000 | $5,000 | $0 | $0 |
| Loan Purchased By The Institution | 1 | $55,000 | $55,000 | $55,000 | $33,000 | $33,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | $755,000 | $68,000 | $165,000 | $59,000 | $154,000 |
| Debt-To-Income Ratio | 2 | $310,000 | $155,000 | $255,000 | $41,000 | $50,000 |
| Collateral | 1 | $45,000 | $45,000 | $45,000 | $54,000 | $54,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $81,000 | $81,000 |
| Credit Application Incomplete | 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 |
| 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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