Edwards County, TX Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 37 mortgage applications in Edwards County, TX totaling $3.2 million, up 12% from 2012. The average application was for $86,000, and applicants reported an average income of $67,000. 27% of applications resulted in an originated loan and 49% were denied. The most active lender was 21st Mortgage, with 18 applications, followed by US Bank, N.A. and Vanderbilt Mortgage and Finance, 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 | 37 |
| Total Mortgage Loan Application Amount | $3,213,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $257,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $226,000 |
| 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 |
* | $ 10,000,000 | 18 | $ 1,059,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 3 | $ 315,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 101,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 2 | $ 311,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 352,672,000 | 1 | $ 27,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 1,030,419,000 | 1 | $ 31,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 5,326,408,000 | 1 | $ 95,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 91,412,000 | 1 | $ 133,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 80,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 1 | $ 83,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 126,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 223,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 233,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 985,692,000 | 1 | $ 214,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 1 | $ 40,000 |
The tables below break down 2013 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 2013
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 | 29 | $2,086,000 | $71,000 | $233,000 | $67,000 | $226,000 |
| Refinancing | 7 | $1,087,000 | $155,000 | $257,000 | $70,000 | $140,000 |
| Home Improvement | 1 | $40,000 | $40,000 | $40,000 | $40,000 | $40,000 |
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 | 20 | $1,111,000 | $55,000 | $130,000 | $55,000 | $164,000 |
| White | 13 | $1,716,000 | $132,000 | $257,000 | $80,000 | $162,000 |
| Not applicable | 1 | $142,000 | $142,000 | $142,000 | $0 | $0 |
| Not Provided | 1 | $109,000 | $109,000 | $109,000 | $68,000 | $68,000 |
| American Indian or Alaskan Native | 1 | $40,000 | $40,000 | $40,000 | $40,000 | $40,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $226,000 | $226,000 |
| Black or African American | 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) | 34 | $2,957,000 | $86,000 | $257,000 | $70,000 | $226,000 |
| FHA-insured (Federal Housing Administration) | 2 | $225,000 | $112,000 | $142,000 | $30,000 | $61,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $31,000 | $31,000 | $31,000 | $21,000 | $21,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 18 | $1,363,000 | $75,000 | $214,000 | $55,000 | $147,000 |
| Loan Originated | 10 | $932,000 | $93,000 | $257,000 | $96,000 | $226,000 |
| Application Approved But Not Accepted | 6 | $320,000 | $53,000 | $79,000 | $70,000 | $164,000 |
| Application Withdrawn By Applicant | 2 | $456,000 | $228,000 | $233,000 | $50,000 | $61,000 |
| Loan Purchased By The Institution | 1 | $142,000 | $142,000 | $142,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 3 | $153,000 | $51,000 | $85,000 | $71,000 | $147,000 |
| Debt-To-Income Ratio | 2 | $81,000 | $40,000 | $54,000 | $25,000 | $27,000 |
| Collateral | 1 | $214,000 | $214,000 | $214,000 | $38,000 | $38,000 |
| Credit Application Incomplete | 1 | $126,000 | $126,000 | $126,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $96,000 | $96,000 | $96,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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