Franklin County, TX Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 336 mortgage applications in Franklin County, TX totaling $54.7 million, down 31% from 2007. The average application was for $162,000, and applicants reported an average income of $198,000. 54% of applications resulted in an originated loan and 18% were denied. The most active lender was Citimortgage, Inc, with 29 applications, followed by Guaranty Bond Bank and JPMorgan Chase Bank, NA.
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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 | 336 |
| Total Mortgage Loan Application Amount | $54,657,000 |
| Average Mortgage Loan Application Amount | $162,000 |
| Highest Mortgage Loan Application Amount | $1,393,000 |
| Average Applicant Income | $198,000 |
| Highest Applicant Income | $2,454,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 29 | $ 6,815,000 |
| Guaranty Bond Bank 100 W ARKANSAS MOUNT PLEASANT, TX 75455 |
* | $ 587,649,000 | 20 | $ 1,996,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 19 | $ 3,430,000 |
| First National Bank of East Texas 206 US HWY 271 N GILMER, TX 75644 |
* | $ 194,490,000 | 17 | $ 1,298,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 15 | $ 2,483,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 14 | $ 2,640,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,438,986,000 | 13 | $ 507,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 10 | $ 2,713,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 10 | $ 1,711,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 1,663,000 |
| The First National Bank of Winnsboro 315 N. MAIN P.O. BOX 29 WINNSBORO, TX 75494 |
* | $ 131,492,000 | 10 | $ 630,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 9 | $ 2,087,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 301,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 8 | $ 573,000 |
| Cypress Bank, FSB 120 SOUTH GREER BOULEVARD PITTSBURG, TX 75686 |
* | $ 137,174,000 | 7 | $ 269,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 7 | $ 1,712,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 7 | $ 706,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 6 | $ 387,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 885,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 959,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 5 | $ 521,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 6,357,701,000 | 5 | $ 45,000 |
| North East Texas Credit Union P. O. BOX 1480 LONE STAR, TX 75668 |
* | $ 77,242,000 | 5 | $ 366,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 4 | $ 1,501,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 4 | $ 668,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 781,000 |
| Alliance Bank P.O. BOX 500 SULPHUR SPRINGS, TX 75483 |
* | $ 487,770,000 | 3 | $ 317,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 1,067,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 463,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 3 | $ 673,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 208,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 2 | $ 541,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 2 | $ 831,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 5,518,089,000 | 2 | $ 774,000 |
| Share Plus Federal Bank 5224 W. PLANO PKWY PLANO, TX 75093 |
* | $ 167,298,000 | 2 | $ 650,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 268,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 2 | $ 48,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 888,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 2 | $ 229,000 |
| American National Bank of Texa 102 W MOORE AVENUE TERRELL, TX 75160 |
* | $ 1,635,865,000 | 2 | $ 248,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 2 | $ 624,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 530,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 1 | $ 37,000 |
| First Community Bank East Texa 415 EAST GOLIAD AVENUE CROCKETT, TX 75835 |
* | $ 171,866,000 | 1 | $ 132,000 |
| Texas Heritage National Bank 107 WEBB STREET DAINGERFIELD, TX 75638 |
* | $ 89,702,000 | 1 | $ 59,000 |
| Frost National Bank 100 W. HOUSTON T-5 SAN ANTONIO, TX 78205 |
* | $ 13,632,996,000 | 1 | $ 114,000 |
| Encore Bank, NA NINE GREENWAY PLAZA, SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,399,426,000 | 1 | $ 115,000 |
| Inwood National Bank 7621 INWOOD RD DALLAS, TX 75209 |
* | $ 1,363,297,000 | 1 | $ 620,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 964,259,000 | 1 | $ 7,000 |
| Verabank,N.A. P.O. BOX 1009 HENDERSON, TX 75653 |
* | $ 707,507,000 | 1 | $ 60,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 90,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 57,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 578,581,000 | 1 | $ 770,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 43,810,702,000 | 1 | $ 345,000 |
| Pointbank 200 S HIGHWAY 377 PILOT POINT, TX 76258 |
* | $ 245,393,000 | 1 | $ 254,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 1 | $ 265,000 |
| Independent Bank 1600 REDBUD BLVD MCKINNEY, TX 75070 |
* | $ 487,139,000 | 1 | $ 168,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 1,841,731,000 | 1 | $ 409,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 1 | $ 340,000 |
| The Lending Partners, LLC 6836 DALLAS PARKWAY #201 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 265,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Classic Home Financial, Inc. 10700 RICHMOND AVENUE #150 HOUSTON, TX 77042 |
* | $ 428,000,000 | 1 | $ 78,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 148,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 120,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 81,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,187,800,000 | 1 | $ 19,000 |
| Neighborhood 13651 MONTFORT DRIVE DALLAS, TX 75240 |
* | $ 245,469,000 | 1 | $ 65,000 |
| Texas Trust Credit Union 5080 W IH 20 ARLINGTON, TX 76017 |
* | $ 520,991,000 | 1 | $ 14,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 356,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 85,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 132,000 |
| Alethes, LLC 8601 RR 2222 SUITE 1-150 AUSTIN, TX 78730 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 417,000 |
| Omniamerican Bank 1320 SOUTH UNIVERSITY DR SUITE 106 FORT WORTH, TX 76107 |
* | $ 1,050,864,000 | 1 | $ 75,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 228,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 1 | $ 62,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 1 | $ 20,000 |
| Homebank Texas 601 N HWY 175 SEAGOVILLE, TX 75159 |
* | $ 95,835,000 | 1 | $ 44,000 |
| Texas Bank and Trust PO BOX 3188 LONGVIEW, TX 75601 |
* | $ 945,146,000 | 1 | $ 58,000 |
| American Bank of Texas PO BOX 1234 SHERMAN, TX 75091 |
* | $ 1,018,208,000 | 1 | $ 16,000 |
| Sovereign Bank 17950 PRESTON RD., SUITE 500 DALLAS, TX 75252 |
* | $ 601,608,000 | 1 | $ 1,393,000 |
The tables below break down 2008 mortgage applications in Franklin 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 Franklin County, TX in 2008
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 | 199 | $31,907,000 | $160,000 | $1,393,000 | $230,000 | $2,454,000 |
| Refinancing | 112 | $21,558,000 | $192,000 | $770,000 | $165,000 | $1,255,000 |
| Home Improvement | 25 | $1,192,000 | $47,000 | $250,000 | $96,000 | $370,000 |
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 | 236 | $40,437,000 | $171,000 | $770,000 | $227,000 | $2,454,000 |
| Not Provided | 33 | $6,854,000 | $207,000 | $1,393,000 | $228,000 | $1,523,000 |
| Hispanic | 28 | $2,032,000 | $72,000 | $309,000 | $81,000 | $452,000 |
| Not applicable | 26 | $4,082,000 | $157,000 | $417,000 | $79,000 | $1,255,000 |
| Black or African American | 9 | $618,000 | $68,000 | $132,000 | $65,000 | $112,000 |
| Asian | 3 | $507,000 | $169,000 | $207,000 | $168,000 | $259,000 |
| American Indian or Alaskan Native | 1 | $127,000 | $127,000 | $127,000 | $77,000 | $77,000 |
| 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) | 300 | $50,944,000 | $169,000 | $1,393,000 | $212,000 | $2,454,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,626,000 | $101,000 | $176,000 | $89,000 | $921,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $436,000 | $87,000 | $112,000 | $42,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 5 | $651,000 | $130,000 | $144,000 | $70,000 | $122,000 |
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 | 182 | $34,062,000 | $187,000 | $1,393,000 | $248,000 | $2,454,000 |
| Application Denied By Financial Institution | 62 | $7,097,000 | $114,000 | $417,000 | $137,000 | $1,159,000 |
| Loan Purchased By The Institution | 46 | $7,879,000 | $171,000 | $417,000 | $132,000 | $2,360,000 |
| Application Withdrawn By Applicant | 24 | $3,697,000 | $154,000 | $409,000 | $192,000 | $1,159,000 |
| Application Approved But Not Accepted | 13 | $1,079,000 | $83,000 | $254,000 | $123,000 | $370,000 |
| File Closed For Incompleteness | 9 | $843,000 | $93,000 | $132,000 | $70,000 | $109,000 |
| 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 | 15 | $1,389,000 | $92,000 | $417,000 | $80,000 | $540,000 |
| Collateral | 9 | $1,627,000 | $180,000 | $398,000 | $151,000 | $500,000 |
| Other | 8 | $1,305,000 | $163,000 | $417,000 | $282,000 | $1,159,000 |
| Debt-To-Income Ratio | 7 | $951,000 | $135,000 | $417,000 | $143,000 | $420,000 |
| Credit Application Incomplete | 4 | $532,000 | $133,000 | $154,000 | $171,000 | $420,000 |
| Employment History | 2 | $347,000 | $173,000 | $265,000 | $61,000 | $82,000 |
| Unverifiable Information | 1 | $113,000 | $113,000 | $113,000 | $37,000 | $37,000 |
| 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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