In 2017, lenders reported 383 mortgage applications in Deaf Smith County, TX totaling $49.2 million, down 4% from 2016. The average application was for $128,000, and applicants reported an average income of $50,000. 43% of applications resulted in an originated loan and 25% were denied. The most active lender was Firstbank Southwest, with 45 applications, followed by First Financial Bank and Everett Financial, Inc..
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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 | 383 |
| Total Mortgage Loan Application Amount | $49,227,000 |
| Average Mortgage Loan Application Amount | $128,000 |
| Highest Mortgage Loan Application Amount | $14,500,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $507,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 928,051,000 | 45 | $ 2,765,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 6,782,077,000 | 45 | $ 3,282,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 29 | $ 2,817,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 20 | $ 1,785,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 3,132,258,000 | 19 | $ 766,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 18 | $ 1,465,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 3,928,287,000 | 16 | $ 1,098,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 15 | $ 1,780,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 12 | $ 1,283,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 11 | $ 1,016,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 10 | $ 988,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 13,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 489,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 7 | $ 476,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ -1,000 | 6 | $ 912,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 5 | $ 635,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 285,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 5 | $ 482,000 |
| First California Mortgage Co., Inc. 1400 N MCDOWELL BLVD, SUITE 300 PETALUMA, CA 94954 |
* | $ -1,000 | 4 | $ 423,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 4 | $ 376,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 486,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 3 | $ 244,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 956,376,000 | 3 | $ 370,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 260,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ -1,000 | 3 | $ 188,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 96,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 173,933,000 | 3 | $ 245,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 206,000 |
| Acfcu Federal Credit Union 6100 I-40 WEST AMARILLO, TX 79106 |
* | $ 219,999,000 | 2 | $ 160,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 2 | $ 171,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 266,000 |
| Capital Farm Credit, Aca 3000 BRIARCREST DRIVE SUITE 601 BRYAN, TX 77802 |
* | $ -1,000 | 2 | $ 2,390,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 245,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 178,000 |
| American Southwest Mortgage Funding Corp 5900 MOSTELLER DRIVE SUITE 8 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 2 | $ 205,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 131,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 164,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 2 | $ 294,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 139,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,681,854,000 | 2 | $ 282,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 2 | $ 218,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 1 | $ 101,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,186,502,000 | 1 | $ 195,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 43,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 102,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 91,000 |
| Rabobank, National Association 915 HIGHLAND POINTE DRIVE ROSEVILLE, CA 95678 |
* | $ 14,547,000,000 | 1 | $ 14,500,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 10,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 1,216,919,000 | 1 | $ 124,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 88,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 22,318,430,000 | 1 | $ 88,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 103,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 119,000 |
| Education Credit Union 4400 INTERSTATE 40 WEST AMARILLO, TX 79106 |
* | $ 247,926,000 | 1 | $ 56,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 60,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 419,146,000 | 1 | $ 103,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 208,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 5,802,485,000 | 1 | $ 111,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 92,000 |
| The People's Federal Credit Union PO BOX 9335 AMARILLO, TX 79109 |
* | $ 174,976,000 | 1 | $ 33,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 98,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,497,697,000 | 1 | $ 202,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 434,873,000 | 1 | $ 170,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 86,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 50,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 74,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 198,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ -1,000 | 1 | $ 36,000 |
The tables below break down 2017 mortgage applications in Deaf Smith County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 253 | $25,203,000 | $99,000 | $360,000 | $42,000 | $214,000 |
| Refinancing | 74 | $22,728,000 | $307,000 | $14,500,000 | $63,000 | $507,000 |
| Home Improvement | 56 | $1,296,000 | $23,000 | $118,000 | $67,000 | $232,000 |
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 | 190 | $13,585,000 | $71,000 | $226,000 | $53,000 | $283,000 |
| White | 90 | $9,351,000 | $103,000 | $601,000 | $66,000 | $366,000 |
| Not applicable | 71 | $21,728,000 | $306,000 | $14,500,000 | $8,000 | $130,000 |
| Not Provided | 29 | $4,447,000 | $153,000 | $2,150,000 | $77,000 | $507,000 |
| Black or African American | 2 | $42,000 | $21,000 | $41,000 | $87,000 | $120,000 |
| Asian | 1 | $74,000 | $74,000 | $74,000 | $26,000 | $26,000 |
| 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) | 245 | $34,732,000 | $141,000 | $14,500,000 | $56,000 | $507,000 |
| FHA-insured (Federal Housing Administration) | 102 | $10,850,000 | $106,000 | $258,000 | $38,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,001,000 | $95,000 | $157,000 | $28,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,644,000 | $109,000 | $195,000 | $49,000 | $157,000 |
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 | 166 | $29,255,000 | $176,000 | $14,500,000 | $65,000 | $283,000 |
| Application Denied By Financial Institution | 94 | $8,649,000 | $92,000 | $2,150,000 | $53,000 | $507,000 |
| Loan Purchased By The Institution | 76 | $7,735,000 | $101,000 | $226,000 | $15,000 | $130,000 |
| Application Withdrawn By Applicant | 22 | $1,985,000 | $90,000 | $151,000 | $56,000 | $157,000 |
| File Closed For Incompleteness | 13 | $880,000 | $67,000 | $127,000 | $37,000 | $84,000 |
| Application Approved But Not Accepted | 12 | $723,000 | $60,000 | $119,000 | $44,000 | $72,000 |
| 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 | 12 | $509,000 | $42,000 | $91,000 | $54,000 | $159,000 |
| Debt-To-Income Ratio | 12 | $3,433,000 | $286,000 | $2,150,000 | $87,000 | $507,000 |
| Credit Application Incomplete | 6 | $682,000 | $113,000 | $198,000 | $44,000 | $68,000 |
| Collateral | 3 | $742,000 | $247,000 | $601,000 | $156,000 | $366,000 |
| Other | 2 | $174,000 | $87,000 | $125,000 | $45,000 | $52,000 |
| Employment History | 1 | $82,000 | $82,000 | $82,000 | $47,000 | $47,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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