Franklin County, TX Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 397 mortgage applications in Franklin County, TX totaling $73.5 million, down 20% from 2009. The average application was for $185,000, and applicants reported an average income of $177,000. 51% of applications resulted in an originated loan and 14% were denied. The most active lender was Guaranty Bond Bank, with 52 applications, followed by Bank of America, N.A. and Citimortgage, 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 | 397 |
| Total Mortgage Loan Application Amount | $73,532,000 |
| Average Mortgage Loan Application Amount | $185,000 |
| Highest Mortgage Loan Application Amount | $910,000 |
| Average Applicant Income | $177,000 |
| Highest Applicant Income | $2,000,000 |
* 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 |
|---|---|---|---|---|
| Guaranty Bond Bank 100 W ARKANSAS MOUNT PLEASANT, TX 75455 |
* | $ 886,344,000 | 52 | $ 7,165,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 49 | $ 9,700,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 23 | $ 4,128,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 19 | $ 4,883,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 18 | $ 3,814,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 15 | $ 4,136,000 |
| First National Bank of East Texas 206 US HWY 271 N GILMER, TX 75644 |
* | $ 186,585,000 | 13 | $ 2,088,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 12 | $ 3,260,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 11 | $ 2,329,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 565,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 612,256,000 | 9 | $ 1,103,000 |
| Cypress Bank, FSB 120 SOUTH GREER BOULEVARD PITTSBURG, TX 75686 |
* | $ 164,968,000 | 9 | $ 496,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 7 | $ 1,323,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 7 | $ 2,274,000 |
| The First National Bank of Winnsboro 315 N. MAIN P.O. BOX 29 WINNSBORO, TX 75494 |
* | $ 146,223,000 | 6 | $ 352,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,911,006,000 | 6 | $ 163,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 5 | $ 1,042,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 4 | $ 799,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 4 | $ 630,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 4 | $ 880,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 672,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 885,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 137,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 4 | $ 1,649,000 |
| American National Bank of Texa 102 W MOORE AVENUE TERRELL, TX 75160 |
* | $ 2,209,502,000 | 3 | $ 469,000 |
| Bank of Texas, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 5,932,193,000 | 3 | $ 827,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 151,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 3 | $ 765,000 |
| Texans Credit Union 777 E. CAMPBELL ROAD #300 RICHARDSON, TX 75081 |
* | $ 1,639,656,000 | 3 | $ 819,000 |
| Alliance Bank P.O. BOX 500 SULPHUR SPRINGS, TX 75483 |
* | $ 498,291,000 | 3 | $ 243,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 8,845,088,000 | 2 | $ 141,000 |
| Mutual of Omaha Bank 3333 FARNAM STREET OMAHA, NE 68131 |
* | $ 4,109,578,000 | 2 | $ 561,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 2 | $ 341,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 233,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 2 | $ 311,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 399,000 |
| Viewpoint Bankers Mortgage Inc 720 E. ARAPAHO RICHARDSON, TX 75081 |
* | $ 1,529,760,000 | 2 | $ 481,000 |
| Encore Bank, NA NINE GREENWAY PLAZA, SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,628,188,000 | 2 | $ 56,000 |
| North East Texas Credit Union P. O. BOX 1480 LONE STAR, TX 75668 |
* | $ 77,242,000 | 2 | $ 32,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 2 | $ 843,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 344,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 1,987,814,000 | 2 | $ 332,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 263,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 2 | $ 344,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 2 | $ 256,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 320,000 |
| First Continental Mortgage, Ltd. 11011 RICHMOND AVENUE, SUITE 800 HOUSTON, TX 77072 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 249,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Rocky Mountain Mortgage Specialists Inc. 7075 S. ALTON WAY CENTENNIAL, CO 80112 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 1 | $ 136,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 417,000 |
| Legacytexas Bank 5000 LEGACY DRIVE PLANO, TX 75024 |
* | $ 1,682,035,000 | 1 | $ 414,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 1 | $ 168,000 |
| Southwest Bank 4100 INTERNATIONAL PLAZA, STE 900 FORT WORTH, TX 76109 |
* | $ 773,656,000 | 1 | $ 385,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 892,179,000 | 1 | $ 265,000 |
| Amegy Bank of Texas, NA 4400 POST OAK PKY, 6TH FL HOUSTON, TX 77027 |
* | $ 11,089,282,000 | 1 | $ 20,000 |
| Verabank,N.A. P.O. BOX 1009 HENDERSON, TX 75653 |
* | $ 849,181,000 | 1 | $ 90,000 |
| Inwood National Bank 7621 INWOOD RD DALLAS, TX 75209 |
* | $ 1,297,734,000 | 1 | $ 750,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 75,000 |
| First National Bank Mortgage 1540 E. SOUTHLAKE BLVD SOUTHLAKE, TX 76092 |
* | $ 258,665,000 | 1 | $ 100,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 70,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 353,000 |
| Share Plus Federal Bank 5224 W. PLANO PKWY PLANO, TX 75093 |
* | $ 208,103,000 | 1 | $ 334,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 1 | $ 160,000 |
| Veritex Community Bank, N.A. 2101 ABRAMS RD DALLAS, TX 75214 |
* | $ 131,464,000 | 1 | $ 476,000 |
| Bank of the West 108 W NORTHWEST HIGHWAY GRAPEVINE, TX 76051 |
* | $ 278,902,000 | 1 | $ 49,000 |
| Captex Bank, National Association PO BOX 4 TRENTON, TX 75490 |
* | $ 147,100,000 | 1 | $ 171,000 |
| BNY Mellon, N.A. 500 GRANT STREET, ROOM 2850 PITTSBURGH, PA 15258 |
* | $ 9,827,492,000 | 1 | $ 431,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 1 | $ 276,000 |
| Trust One Mortgage Corporation 108 PACIFICA, SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 78,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 300,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 243,000 |
| 4trust Mortgage, Inc. 4200 SOUTH HULEN STE 410 FORT WORTH, TX 76109 |
* | $ 10,000,000 | 1 | $ 133,000 |
| East Texas Professional C.U. 409 E. LOOP 281 LONGVIEW, TX 75605 |
* | $ 406,460,000 | 1 | $ 18,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 1 | $ 75,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 69,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 852,055,000 | 1 | $ 218,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 586,596,000 | 1 | $ 370,000 |
| Southside Bank 1201 S BECKHAM TYLER, TX 75701 |
* | $ 3,019,778,000 | 1 | $ 76,000 |
| Benchmark Bank 5700 LEGACY DRIVE STE. 10 PLANO, TX 75024 |
* | $ 356,615,000 | 1 | $ 910,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 1,159,367,000 | 1 | $ 144,000 |
| Tolleson Private Bank 5550 PRESTON ROAD STE B DALLAS, TX 75205 |
* | $ 309,225,000 | 1 | $ 645,000 |
The tables below break down 2010 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 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 203 | $43,022,000 | $211,000 | $910,000 | $191,000 | $2,000,000 |
| Home Purchase | 178 | $29,783,000 | $167,000 | $750,000 | $169,000 | $1,117,000 |
| Home Improvement | 16 | $727,000 | $45,000 | $160,000 | $82,000 | $180,000 |
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 | 324 | $61,124,000 | $188,000 | $910,000 | $192,000 | $2,000,000 |
| Not applicable | 33 | $6,871,000 | $208,000 | $750,000 | $117,000 | $883,000 |
| Not Provided | 21 | $3,510,000 | $167,000 | $340,000 | $94,000 | $300,000 |
| Hispanic | 11 | $1,052,000 | $95,000 | $220,000 | $95,000 | $342,000 |
| Black or African American | 4 | $195,000 | $48,000 | $76,000 | $56,000 | $102,000 |
| Asian | 3 | $436,000 | $145,000 | $248,000 | $174,000 | $220,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $344,000 | $344,000 | $344,000 | $260,000 | $260,000 |
| American Indian or Alaskan Native | 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) | 335 | $66,669,000 | $199,000 | $910,000 | $201,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 42 | $4,697,000 | $111,000 | $276,000 | $47,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,516,000 | $94,000 | $151,000 | $43,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 4 | $650,000 | $162,000 | $242,000 | $28,000 | $112,000 |
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 | 204 | $38,804,000 | $190,000 | $910,000 | $207,000 | $2,000,000 |
| Loan Purchased By The Institution | 86 | $17,412,000 | $202,000 | $417,000 | $150,000 | $883,000 |
| Application Denied By Financial Institution | 56 | $8,492,000 | $151,000 | $701,000 | $121,000 | $1,000,000 |
| Application Approved But Not Accepted | 21 | $3,706,000 | $176,000 | $660,000 | $181,000 | $729,000 |
| Application Withdrawn By Applicant | 20 | $3,007,000 | $150,000 | $677,000 | $152,000 | $1,012,000 |
| File Closed For Incompleteness | 10 | $2,111,000 | $211,000 | $335,000 | $136,000 | $300,000 |
| 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 | 16 | $1,045,000 | $65,000 | $217,000 | $49,000 | $118,000 |
| Collateral | 9 | $2,504,000 | $278,000 | $701,000 | $354,000 | $1,000,000 |
| Other | 9 | $1,435,000 | $159,000 | $350,000 | $104,000 | $328,000 |
| Debt-To-Income Ratio | 7 | $1,445,000 | $206,000 | $475,000 | $73,000 | $118,000 |
| Credit Application Incomplete | 4 | $669,000 | $167,000 | $248,000 | $148,000 | $220,000 |
| Unverifiable Information | 2 | $319,000 | $159,000 | $276,000 | $121,000 | $151,000 |
| Employment History | 1 | $353,000 | $353,000 | $353,000 | $162,000 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $89,000 | $89,000 | $89,000 | $51,000 | $51,000 |
| 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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