Floyd County, TX Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 94 mortgage applications in Floyd County, TX totaling $6.2 million, up 27% from 2012. The average application was for $65,000, and applicants reported an average income of $59,000. 40% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank NA, with 22 applications, followed by Prosperity Bank and Happy State Bank.
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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 | 94 |
| Total Mortgage Loan Application Amount | $6,160,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $244,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $293,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 22 | $ 1,329,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 14,590,421,000 | 11 | $ 622,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 1,999,321,000 | 7 | $ 306,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 5 | $ 357,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 4 | $ 351,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 3 | $ 293,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 250,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 3 | $ 261,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 3 | $ 211,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 2 | $ 92,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 2 | $ 114,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 127,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 207,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 713,121,000 | 2 | $ 98,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 190,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 92,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 69,076,722,000 | 2 | $ 220,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 2 | $ 98,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 45,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 311,258,000 | 1 | $ 35,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 85,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 48,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 34,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 84,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 3,614,792,000 | 1 | $ 27,000 |
| Lubbock National Bank 4811 50TH LUBBOCK, TX 79414 |
* | $ 761,081,000 | 1 | $ 11,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 1 | $ 39,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 1 | $ 82,000 |
The tables below break down 2013 mortgage applications in Floyd 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 Floyd 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 | 48 | $3,326,000 | $69,000 | $236,000 | $47,000 | $184,000 |
| Refinancing | 35 | $2,685,000 | $76,000 | $244,000 | $76,000 | $293,000 |
| Home Improvement | 11 | $149,000 | $13,000 | $45,000 | $61,000 | $144,000 |
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 | 45 | $3,288,000 | $73,000 | $244,000 | $73,000 | $293,000 |
| Hispanic | 28 | $1,636,000 | $58,000 | $236,000 | $58,000 | $278,000 |
| Not applicable | 12 | $614,000 | $51,000 | $107,000 | $10,000 | $92,000 |
| Not Provided | 6 | $307,000 | $51,000 | $85,000 | $58,000 | $144,000 |
| Black or African American | 3 | $315,000 | $105,000 | $117,000 | $57,000 | $82,000 |
| Native Hawaiian 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 |
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) | 60 | $3,859,000 | $64,000 | $244,000 | $78,000 | $293,000 |
| FHA-insured (Federal Housing Administration) | 22 | $1,404,000 | $63,000 | $117,000 | $28,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $715,000 | $79,000 | $107,000 | $29,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 3 | $182,000 | $60,000 | $84,000 | $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 | 38 | $2,521,000 | $66,000 | $244,000 | $68,000 | $184,000 |
| Application Denied By Financial Institution | 24 | $1,241,000 | $51,000 | $117,000 | $63,000 | $278,000 |
| Loan Purchased By The Institution | 19 | $1,141,000 | $60,000 | $107,000 | $19,000 | $92,000 |
| Application Withdrawn By Applicant | 5 | $510,000 | $102,000 | $171,000 | $126,000 | $293,000 |
| File Closed For Incompleteness | 4 | $309,000 | $77,000 | $103,000 | $25,000 | $58,000 |
| Application Approved But Not Accepted | 4 | $438,000 | $109,000 | $236,000 | $91,000 | $118,000 |
| 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 | 9 | $220,000 | $24,000 | $117,000 | $80,000 | $278,000 |
| Debt-To-Income Ratio | 5 | $251,000 | $50,000 | $114,000 | $43,000 | $50,000 |
| Other | 3 | $178,000 | $59,000 | $72,000 | $19,000 | $57,000 |
| Unverifiable Information | 1 | $109,000 | $109,000 | $109,000 | $74,000 | $74,000 |
| Collateral | 1 | $111,000 | $111,000 | $111,000 | $119,000 | $119,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $33,000 | $33,000 |
| 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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