Floyd County, TX Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 74 mortgage applications in Floyd County, TX totaling $5.2 million, down 18% from 2014. The average application was for $69,000, and applicants reported an average income of $51,000. 39% of applications resulted in an originated loan and 23% were denied. The most active lender was Prosperity Bank, with 11 applications, followed by Centennial 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 | 74 |
| Total Mortgage Loan Application Amount | $5,173,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $177,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $302,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 21,504,119,000 | 11 | $ 784,000 |
| Centennial Bank 904 AVE. O LUBBOCK, TX 79401 |
* | $ 739,096,000 | 11 | $ 657,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 2,570,931,000 | 7 | $ 170,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 7 | $ 515,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 3 | $ 267,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 3 | $ 188,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 3 | $ 185,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 141,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 155,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 153,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Vista Bank 5840 W NORTHWEST HWY DALLAS, TX 75225 |
* | $ 283,090,000 | 1 | $ 31,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 33,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 360,084,000 | 1 | $ 26,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 175,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 28,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 61,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 74,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 81,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 100,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 79,624,593,000 | 1 | $ 116,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 147,000 |
| First Bank & Trust 9816 SLIDE RD. LUBBOCK, TX 79424 |
* | $ 739,907,000 | 1 | $ 110,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 74,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 106,915,000 | 1 | $ 65,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,332,169,000 | 1 | $ 65,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 111,000 |
The tables below break down 2015 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 2015
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 | 51 | $4,155,000 | $81,000 | $177,000 | $50,000 | $302,000 |
| Refinancing | 12 | $923,000 | $76,000 | $119,000 | $59,000 | $106,000 |
| Home Improvement | 11 | $95,000 | $8,000 | $26,000 | $48,000 | $142,000 |
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 | 30 | $2,112,000 | $70,000 | $175,000 | $65,000 | $143,000 |
| Hispanic | 25 | $1,470,000 | $58,000 | $156,000 | $49,000 | $112,000 |
| Not applicable | 14 | $1,020,000 | $72,000 | $137,000 | $9,000 | $95,000 |
| Not Provided | 3 | $383,000 | $127,000 | $177,000 | $145,000 | $302,000 |
| Black or African American | 2 | $188,000 | $94,000 | $160,000 | $28,000 | $42,000 |
| 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) | 45 | $2,632,000 | $58,000 | $160,000 | $59,000 | $302,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,285,000 | $84,000 | $177,000 | $38,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $175,000 | $175,000 | $175,000 | $59,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 1 | $81,000 | $81,000 | $81,000 | $19,000 | $19,000 |
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 | 29 | $1,935,000 | $66,000 | $177,000 | $61,000 | $143,000 |
| Loan Purchased By The Institution | 18 | $1,377,000 | $76,000 | $156,000 | $21,000 | $95,000 |
| Application Denied By Financial Institution | 17 | $1,063,000 | $62,000 | $160,000 | $43,000 | $95,000 |
| Application Withdrawn By Applicant | 6 | $587,000 | $97,000 | $156,000 | $65,000 | $103,000 |
| File Closed For Incompleteness | 2 | $180,000 | $90,000 | $147,000 | $175,000 | $302,000 |
| Application Approved But Not Accepted | 2 | $31,000 | $15,000 | $26,000 | $79,000 | $142,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $295,000 | $73,000 | $109,000 | $63,000 | $95,000 |
| Debt-To-Income Ratio | 3 | $208,000 | $69,000 | $81,000 | $31,000 | $47,000 |
| Credit History | 2 | $16,000 | $8,000 | $14,000 | $34,000 | $61,000 |
| Credit Application Incomplete | 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 |
| Other | 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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