Edwards County, TX Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 30 mortgage applications in Edwards County, TX totaling $7.2 million, up 50% from 2015. The average application was for $239,000, and applicants reported an average income of $128,000. 37% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 5 applications, followed by Capital Farm Credit, Aca and American Advisors Group.
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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 | 30 |
| Total Mortgage Loan Application Amount | $7,171,000 |
| Average Mortgage Loan Application Amount | $239,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $128,000 |
| Highest Applicant Income | $1,306,000 |
| 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 | 5 | $ 252,000 |
| Capital Farm Credit, Aca 3000 BRIARCREST DRIVE SUITE 601 BRYAN, TX 77802 |
* | $ 242,905,000 | 3 | $ 933,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 63,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 3 | $ 198,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 341,326,000 | 3 | $ 145,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 6,991,326,000 | 2 | $ 146,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 2 | $ 473,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 3,000,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 85,426,845,000 | 1 | $ 480,000 |
| Citizens State Bank P O BOX 600 SEALY, TX 77474 |
* | $ 245,135,000 | 1 | $ 118,000 |
| The Bank & Trust, S.S.B. 1200 VETERANS BLVD DEL RIO, TX 78840 |
* | $ 433,733,000 | 1 | $ 121,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 125,000 |
| The Union Bank 305 N. MAIN ST. MARKSVILLE, LA 71351 |
* | $ 248,201,000 | 1 | $ 454,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 200,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 83,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 380,000 |
The tables below break down 2016 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 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 | 17 | $2,388,000 | $140,000 | $480,000 | $103,000 | $243,000 |
| Refinancing | 9 | $4,547,000 | $505,000 | $3,000,000 | $216,000 | $1,306,000 |
| Home Improvement | 4 | $236,000 | $59,000 | $200,000 | $34,000 | $43,000 |
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 | 14 | $2,256,000 | $161,000 | $807,000 | $91,000 | $232,000 |
| Hispanic | 10 | $801,000 | $80,000 | $480,000 | $106,000 | $243,000 |
| Not Provided | 4 | $3,316,000 | $829,000 | $3,000,000 | $376,000 | $1,306,000 |
| Not applicable | 2 | $798,000 | $399,000 | $454,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 25 | $6,384,000 | $255,000 | $3,000,000 | $147,000 | $1,306,000 |
| FHA-insured (Federal Housing Administration) | 4 | $407,000 | $101,000 | $344,000 | $15,000 | $24,000 |
| VA-guaranteed (Veterans Administration) | 1 | $380,000 | $380,000 | $380,000 | $112,000 | $112,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 11 | $2,301,000 | $209,000 | $807,000 | $110,000 | $243,000 |
| Application Denied By Financial Institution | 7 | $3,762,000 | $537,000 | $3,000,000 | $244,000 | $1,306,000 |
| Application Approved But Not Accepted | 5 | $240,000 | $48,000 | $125,000 | $94,000 | $189,000 |
| File Closed For Incompleteness | 5 | $395,000 | $79,000 | $129,000 | $75,000 | $161,000 |
| Application Withdrawn By Applicant | 1 | $129,000 | $129,000 | $129,000 | $71,000 | $71,000 |
| Loan Purchased By The Institution | 1 | $344,000 | $344,000 | $344,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $547,000 | $136,000 | $380,000 | $66,000 | $112,000 |
| Other | 1 | $3,000,000 | $3,000,000 | $3,000,000 | $1,306,000 | $1,306,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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