Culberson County, TX Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 53 mortgage applications in Culberson County, TX totaling $5.3 million, up 56% from 2017. The average application was for $100,000, and applicants reported an average income of $59,000. 43% of applications resulted in an originated loan and 42% were denied. The most active lender was 21st Mortgage, with 16 applications, followed by Triad Financial Services, Inc. and Network Capital Funding Corporation.
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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 | 53 |
| Total Mortgage Loan Application Amount | $5,305,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $156,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 16 | $ 1,240,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 250,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 525,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 250,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 230,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 150,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 2 | $ 260,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 2 | $ 340,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 300,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 95,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 125,000 |
| The Pecos County State Bank 500 N MAIN ST FORT STOCKTON, TX 79735 |
* | $ 236,303,000 | 1 | $ 85,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 1 | $ 55,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 175,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 205,000 |
| University Federal Credit Union 8303 N MOPAC EXPRESSWAY AUSTIN, TX 78759 |
* | $ 2,236,859,000 | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2018 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 2018
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 | 38 | $3,640,000 | $95,000 | $205,000 | $61,000 | $156,000 |
| Cash-out Refinancing | 8 | $1,010,000 | $126,000 | $175,000 | $51,000 | $125,000 |
| Refinancing | 4 | $250,000 | $62,000 | $85,000 | $66,000 | $128,000 |
| Other Purpose | 2 | $340,000 | $170,000 | $255,000 | $46,000 | $55,000 |
| Home Improvement | 1 | $65,000 | $65,000 | $65,000 | $29,000 | $29,000 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 26 | $2,410,000 | $92,000 | $185,000 | $54,000 | $156,000 |
| White | 14 | $1,720,000 | $122,000 | $255,000 | $62,000 | $130,000 |
| Not Provided | 8 | $560,000 | $70,000 | $105,000 | $64,000 | $128,000 |
| Asian | 3 | $235,000 | $78,000 | $105,000 | $43,000 | $55,000 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $125,000 | $125,000 |
| Not applicable | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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 | $4,320,000 | $98,000 | $255,000 | $62,000 | $156,000 |
| FHA-insured (Federal Housing Administration) | 9 | $985,000 | $109,000 | $175,000 | $43,000 | $79,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 23 | $2,375,000 | $103,000 | $205,000 | $68,000 | $125,000 |
| Application Denied By Financial Institution | 22 | $1,990,000 | $90,000 | $255,000 | $44,000 | $128,000 |
| Application Withdrawn By Applicant | 3 | $395,000 | $131,000 | $175,000 | $31,000 | $51,000 |
| File Closed For Incompleteness | 2 | $100,000 | $50,000 | $55,000 | $103,000 | $156,000 |
| Loan Purchased By The Institution | 2 | $270,000 | $135,000 | $175,000 | $130,000 | $130,000 |
| Application Approved But Not Accepted | 1 | $175,000 | $175,000 | $175,000 | $50,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 31 | $3,315,000 | $106,000 | $205,000 | $68,000 | $156,000 |
| Credit History | 8 | $780,000 | $97,000 | $175,000 | $46,000 | $64,000 |
| Debt-To-Income Ratio | 7 | $455,000 | $65,000 | $105,000 | $33,000 | $65,000 |
| Credit Application Incomplete | 4 | $560,000 | $140,000 | $255,000 | $38,000 | $38,000 |
| Collateral | 2 | $140,000 | $70,000 | $105,000 | $32,000 | $46,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $128,000 | $128,000 |
| 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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