Culberson County, TX Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 41 mortgage applications in Culberson County, TX totaling $3.0 million, down 7% from 2015. The average application was for $73,000, and applicants reported an average income of $77,000. 29% of applications resulted in an originated loan and 49% were denied. The most active lender was The Pecos County State Bank, with 8 applications, followed by 21st Mortgage and loanDepot.com 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 | 41 |
| Total Mortgage Loan Application Amount | $3,019,000 |
| Average Mortgage Loan Application Amount | $73,000 |
| Highest Mortgage Loan Application Amount | $145,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $225,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The Pecos County State Bank 500 N MAIN ST FORT STOCKTON, TX 79735 |
* | $ 227,105,000 | 8 | $ 488,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 550,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 380,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 5 | $ 325,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 65,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 2 | $ 179,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 175,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 87,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 45,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Legacytexas Bank 5851 LEGACY CIRCLE, SUITE 1200 PLANO, TX 75024 |
* | $ 7,693,349,000 | 1 | $ 60,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 104,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 16,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 145,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 1,412,242,000 | 1 | $ 87,000 |
The tables below break down 2016 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 2016
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 | 26 | $1,937,000 | $74,000 | $113,000 | $88,000 | $225,000 |
| Refinancing | 13 | $990,000 | $76,000 | $145,000 | $54,000 | $140,000 |
| Home Improvement | 2 | $92,000 | $46,000 | $60,000 | $84,000 | $90,000 |
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 | 25 | $1,840,000 | $73,000 | $145,000 | $59,000 | $184,000 |
| White | 11 | $724,000 | $65,000 | $113,000 | $100,000 | $193,000 |
| Not Provided | 2 | $172,000 | $86,000 | $105,000 | $38,000 | $47,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $98,000 | $98,000 | $98,000 | $225,000 | $225,000 |
| Not applicable | 1 | $87,000 | $87,000 | $87,000 | $62,000 | $62,000 |
| Asian | 1 | $98,000 | $98,000 | $98,000 | $220,000 | $220,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 33 | $2,280,000 | $69,000 | $120,000 | $75,000 | $193,000 |
| FHA-insured (Federal Housing Administration) | 7 | $594,000 | $84,000 | $98,000 | $99,000 | $225,000 |
| VA-guaranteed (Veterans Administration) | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 20 | $1,539,000 | $76,000 | $120,000 | $64,000 | $220,000 |
| Loan Originated | 12 | $869,000 | $72,000 | $113,000 | $97,000 | $225,000 |
| Application Approved But Not Accepted | 3 | $171,000 | $57,000 | $96,000 | $125,000 | $145,000 |
| File Closed For Incompleteness | 3 | $223,000 | $74,000 | $145,000 | $33,000 | $79,000 |
| Application Withdrawn By Applicant | 2 | $130,000 | $65,000 | $85,000 | $92,000 | $184,000 |
| Loan Purchased By The Institution | 1 | $87,000 | $87,000 | $87,000 | $62,000 | $62,000 |
| 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 Application Incomplete | 1 | $98,000 | $98,000 | $98,000 | $220,000 | $220,000 |
| Credit History | 1 | $16,000 | $16,000 | $16,000 | $12,000 | $12,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $88,000 | $88,000 | $88,000 | $62,000 | $62,000 |
| Other | 1 | $120,000 | $120,000 | $120,000 | $108,000 | $108,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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