Culberson County, TX Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 41 mortgage applications in Culberson County, TX totaling $2.7 million, up 24% from 2009. The average application was for $64,000, and applicants reported an average income of $56,000. 29% of applications resulted in an originated loan and 49% were denied. The most active lender was JPMorgan Chase Bank, NA, with 7 applications, followed by Western Bank 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 | 41 |
| Total Mortgage Loan Application Amount | $2,650,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $125,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $186,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 7 | $ 623,000 |
| Western Bank 5701 82ND ST LUBBOCK, TX 79401 |
* | $ 197,460,000 | 4 | $ 218,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 163,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 342,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 70,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 3 | $ 212,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 3 | $ 153,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,042,946,000 | 2 | $ 244,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 142,000 |
| Citizens State Bank P O BOX 350 LULING, TX 78648 |
* | $ 52,606,000 | 2 | $ 87,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 45,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 125,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 38,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 3,748,255,000 | 1 | $ 75,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 1 | $ 5,000 |
| Viewpoint Bank 1309 W 15TH, SUITE 302 PLANO, TX 75075 |
* | $ 2,379,341,000 | 1 | $ 10,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 1 | $ 39,000 |
The tables below break down 2010 mortgage applications in Culberson 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 Culberson County, TX in 2010
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 | 21 | $1,722,000 | $82,000 | $122,000 | $57,000 | $186,000 |
| Refinancing | 14 | $783,000 | $55,000 | $125,000 | $51,000 | $120,000 |
| Home Improvement | 6 | $145,000 | $24,000 | $84,000 | $69,000 | $142,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 22 | $1,452,000 | $66,000 | $121,000 | $50,000 | $138,000 |
| White | 11 | $668,000 | $60,000 | $125,000 | $84,000 | $186,000 |
| Not applicable | 4 | $229,000 | $57,000 | $83,000 | $0 | $0 |
| Not Provided | 3 | $216,000 | $72,000 | $122,000 | $82,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $55,000 | $55,000 |
| 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) | 27 | $1,178,000 | $43,000 | $84,000 | $59,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $880,000 | $110,000 | $121,000 | $45,000 | $59,000 |
| FHA-insured (Federal Housing Administration) | 5 | $467,000 | $93,000 | $122,000 | $75,000 | $93,000 |
| VA-guaranteed (Veterans Administration) | 1 | $125,000 | $125,000 | $125,000 | $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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 20 | $1,014,000 | $50,000 | $125,000 | $60,000 | $186,000 |
| Loan Originated | 12 | $938,000 | $78,000 | $122,000 | $50,000 | $142,000 |
| Loan Purchased By The Institution | 5 | $538,000 | $107,000 | $121,000 | $41,000 | $59,000 |
| Application Withdrawn By Applicant | 2 | $101,000 | $50,000 | $85,000 | $77,000 | $99,000 |
| File Closed For Incompleteness | 1 | $39,000 | $39,000 | $39,000 | $24,000 | $24,000 |
| Application Approved But Not Accepted | 1 | $20,000 | $20,000 | $20,000 | $138,000 | $138,000 |
| 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 | 7 | $200,000 | $28,000 | $60,000 | $39,000 | $86,000 |
| Debt-To-Income Ratio | 4 | $231,000 | $57,000 | $79,000 | $65,000 | $102,000 |
| Collateral | 2 | $122,000 | $61,000 | $84,000 | $169,000 | $186,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $60,000 | $60,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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