Edwards County, TX Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 63 mortgage applications in Edwards County, TX totaling $5.1 million, up 75% from 2004. The average application was for $81,000, and applicants reported an average income of $65,000. 27% of applications resulted in an originated loan and 41% were denied. The most active lender was Beneficial Company LLC, with 6 applications, followed by Vanderbilt Mortgage and Gmac Mortgage 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 | 63 |
| Total Mortgage Loan Application Amount | $5,104,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $377,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $250,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 6 | $ 196,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 6 | $ 291,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 283,000 |
| Bank of the Hills, N.A. 1075 JUNCTION HIGHWAY KERRVILLE, TX 78028 |
* | $ 256,615,000 | 3 | $ 315,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 426,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 225,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 2 | $ 142,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 2 | $ 91,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 727,000 |
| Security State Bank & Trust 201 WEST MAIN STREET FREDERICKSBURG, TX 78624 |
* | $ 522,910,000 | 2 | $ 137,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 251,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 10,000,000 | 2 | $ 99,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 2 | $ 54,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 1 | $ 50,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 389,963,000,000 | 1 | $ 250,000 |
| Navy Army Ccu 5725 SPOHN DRIVE CORPUS, TX 78414 |
* | $ 315,825,000 | 1 | $ 125,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Resmae Mortgage Corporation 6 POINTE DRIVE BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 3,588,543,000 | 1 | $ 15,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 853,292,000 | 1 | $ 162,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 38,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 15,000 |
| The Hondo National Bank 1112 18TH STREET HONDO, TX 78861 |
* | $ 72,207,000 | 1 | $ 20,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 1 | $ 18,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 1 | $ 56,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 60,000 |
| First Financial Bank N.A. Sw 201 ELM STREET SWEETWATER, TX 79556 |
* | $ 121,336,000 | 1 | $ 4,000 |
| First National Bank P. O. BOX 810 100 W. CANO EDINBURG, TX 78540 |
* | $ 2,563,464,000 | 1 | $ 185,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Aaa Worldwide Financial Co. 5057 KELLER SPRINGS RD ADDISON, TX 75001 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 1 | $ 28,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 57,000 |
The tables below break down 2005 mortgage applications in Edwards 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 Edwards County, TX in 2005
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 | 28 | $2,163,000 | $77,000 | $250,000 | $62,000 | $205,000 |
| Refinancing | 24 | $2,254,000 | $93,000 | $377,000 | $76,000 | $250,000 |
| Home Improvement | 11 | $687,000 | $62,000 | $350,000 | $47,000 | $91,000 |
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 |
|---|---|---|---|---|---|---|
| White | 38 | $2,847,000 | $74,000 | $377,000 | $69,000 | $240,000 |
| Not Provided | 12 | $1,177,000 | $98,000 | $280,000 | $62,000 | $250,000 |
| Hispanic | 12 | $942,000 | $78,000 | $350,000 | $54,000 | $183,000 |
| American Indian or Alaskan Native | 1 | $138,000 | $138,000 | $138,000 | $50,000 | $50,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 61 | $4,781,000 | $78,000 | $377,000 | $66,000 | $250,000 |
| FHA-insured (Federal Housing Administration) | 1 | $138,000 | $138,000 | $138,000 | $50,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 1 | $185,000 | $185,000 | $185,000 | $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 | 26 | $1,360,000 | $52,000 | $170,000 | $40,000 | $84,000 |
| Loan Originated | 17 | $1,439,000 | $84,000 | $377,000 | $80,000 | $183,000 |
| Application Withdrawn By Applicant | 11 | $1,244,000 | $113,000 | $350,000 | $84,000 | $240,000 |
| Application Approved But Not Accepted | 4 | $529,000 | $132,000 | $250,000 | $63,000 | $205,000 |
| File Closed For Incompleteness | 3 | $426,000 | $142,000 | $280,000 | $124,000 | $250,000 |
| Loan Purchased By The Institution | 2 | $106,000 | $53,000 | $56,000 | $19,000 | $39,000 |
| 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 | 8 | $474,000 | $59,000 | $142,000 | $40,000 | $72,000 |
| Unverifiable Information | 3 | $198,000 | $66,000 | $114,000 | $48,000 | $67,000 |
| Collateral | 2 | $198,000 | $99,000 | $170,000 | $78,000 | $84,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $57,000 | $57,000 |
| Debt-To-Income Ratio | 1 | $18,000 | $18,000 | $18,000 | $24,000 | $24,000 |
| 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 |
| Credit Application Incomplete | 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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