Franklin County, TX Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 349 mortgage applications in Franklin County, TX totaling $77.0 million, up 4% from 2014. The average application was for $220,000, and applicants reported an average income of $217,000. 46% of applications resulted in an originated loan and 17% were denied. The most active lender was Guaranty Bank & Trust, with 36 applications, followed by Wells Fargo Bank NA and First National Bank of East Texas.

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Total Number of Mortgage Applications 349
Total Mortgage Loan Application Amount $76,989,000
Average Mortgage Loan Application Amount $220,000
Highest Mortgage Loan Application Amount $8,100,000
Average Applicant Income $217,000
Highest Applicant Income $9,999,000

Mortgage Company List for Lending in Franklin County, TX for 2015

* 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 Bank & Trust
100 W ARKANSAS ST
MT PLEASANT, TX 75455
* $ 1,333,577,000 36 $ 6,196,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 18 $ 5,780,000
First National Bank of East Texas
206 US HWY 271 N
GILMER, TX 75644
* $ 325,444,000 16 $ 2,075,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 16 $ 850,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 14 $ 2,116,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 13 $ 956,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 11 $ 1,703,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 11 $ 1,852,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 9 $ 1,764,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 8 $ 1,758,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 7 $ 3,201,000
The First National Bank of Winnsboro
315 N. MAIN P.O. BOX 29
WINNSBORO, TX 75494
* $ 138,410,000 6 $ 311,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 5 $ 1,596,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 5 $ 1,596,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 5 $ 685,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 5 $ 2,194,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 5 $ 1,191,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 7,925,450,000 5 $ 147,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 5 $ 849,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 4 $ 873,000
Alliance Bank
P.O. BOX 500
SULPHUR SPRINGS, TX 75483
* $ 642,920,000 4 $ 583,000
Cypress Bank State Savings Bank
120 S GREER BLVD
PITTSBURG, TX 75686
* $ 175,129,000 4 $ 752,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 637,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 716,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 4 $ 410,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 3 $ 1,178,000
The Lending Partners, LLC
5560 TENNYSON PARKWAY, STE. 201
PLANO, TX 75024
* $ 10,000,000 3 $ 976,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 656,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 3 $ 190,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 3 $ 297,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 21,504,119,000 3 $ 616,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 376,000
Legacytexas Bank
5851 LEGACY CIRCLE, SUITE 1200
PLANO, TX 75024
* $ 4,162,328,000 3 $ 9,560,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 3 $ 718,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 479,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,545,267,000 3 $ 1,210,000
North Dallas Bank & Trust Co.
12900 PRESTON RD
DALLAS, TX 75230
* $ 1,275,181,000 2 $ 1,229,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,180,805,000 2 $ 253,000
Bth Bank, National Association
412 E GOODE
QUITMAN, TX 75783
* $ 644,753,000 2 $ 395,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 2 $ 111,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 219,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,167,901,000 2 $ 368,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 2 $ 347,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 79,624,593,000 2 $ 684,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 576,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 2 $ 326,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 1,807,705,000 2 $ 576,000
Homebank Texas
601 N HWY 175
SEAGOVILLE, TX 75159
* $ 123,804,000 2 $ 904,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 170,000
American National Bank of Texa
102 W MOORE AVENUE
TERRELL, TX 75160
* $ 2,590,121,000 2 $ 758,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 2 $ 926,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 330,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 173,000
American Heritage Capital, L.P.
4100 SPRING VALLEY ROAD SUITE 770
DALLAS, TX 75244
* $ 3,808,982,000 1 $ 127,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 1 $ 142,000
1st Community Federal Credit Union
3505 WILDEWOOD DRIVE
SAN ANGELO, TX 76904
* $ 233,853,000 1 $ 250,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 150
RICHARDSON, TX 75083
* $ 2,105,747,000 1 $ 399,000
North East Texas Credit Union
PO BOX 1480
LONE STAR, TX 75638
* $ 138,732,000 1 $ 140,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 1 $ 270,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 87,000
Lrs Financial Network dba Hnb Mortgage
2101 W. WADLEY STE. 36
MIDLAND, TX 79705
* $ 11,322,000 1 $ 504,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 215,000
Willow Bend Mortgage Company, LLC
5800 W PLANO PKWY STE 105
PLANO, TX 75093
* $ 22,642,000 1 $ 412,000
Green Bank, National Association
4000 GREENBRIAR
HOUSTON, TX 77098
* $ 2,189,079,000 1 $ 125,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 479,751,000 1 $ 30,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 110,000
Gateway Bank Mortgage, Inc.
901 E CAREY STREET, SUITE 1700
RICHMOND, VA 23219
* $ 1,660,975,000 1 $ 93,000
Texas National Bank of Jacksonville
1518 E GRANDE BLVD
TYLER, TX 75703
* $ 403,788,000 1 $ 395,000
Melanie Aguilar
205 INDUSTRIAL BLVD
SUGAR LAND, TX 77478
* $ 724,595,000 1 $ 215,000
Inwood National Bank
7621 INWOOD RD
DALLAS, TX 75209
* $ 1,853,227,000 1 $ 335,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,314,758,000 1 $ 23,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 118,801,412,000 1 $ 25,000
Arvest Bank

TULSA, OK 74103
* $ 14,944,176,000 1 $ 47,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 1 $ 59,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 17,377,985,000 1 $ 285,000
First State Bank
130 E CORSICANA STREET
ATHENS, TX 75751
* $ 380,522,000 1 $ 412,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 1 $ 250,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 15,675,477,000 1 $ 347,000
Town Square Mortgage & Investments LLC
17300 DALLAS PKWY, STE 1030
DALLAS, TX 75248
* $ 1,000,000,000 1 $ 304,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 1 $ 126,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 1 $ 35,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 1 $ 85,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 15,892,596,000 1 $ 360,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 1 $ 47,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ 10,498,000 1 $ 44,000
Cattlemens Bank
PO BOX 8086
ALTUS, OK 73522
* $ 163,687,000 1 $ 860,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 164,706,000 1 $ 151,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 89,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,622,355,000 1 $ 81,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ 10,000,000 1 $ 320,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ 686,374,000 1 $ 57,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ 917,364,000 1 $ 360,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 44,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ 18,193,000 1 $ 158,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 95,000
Lhm Financial Corporation
7025 E GREENWAY PARKWAY SUITE 100
PHOENIX, AZ 85254
* $ 10,000,000 1 $ 152,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 53,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 593,777,000 1 $ 359,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 304,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 1 $ 101,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 105,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 300,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 113,000

The tables below break down 2015 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 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 213 $51,071,000 $239,000 $8,100,000 $233,000 $9,999,000
Refinancing 124 $24,576,000 $198,000 $1,488,000 $192,000 $2,018,000
Home Improvement 12 $1,342,000 $111,000 $270,000 $200,000 $900,000

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 257 $51,888,000 $201,000 $860,000 $198,000 $2,573,000
Not applicable 41 $15,977,000 $389,000 $8,100,000 $61,000 $500,000
Not Provided 24 $6,117,000 $254,000 $860,000 $851,000 $9,999,000
Hispanic 15 $1,250,000 $83,000 $166,000 $49,000 $125,000
Black or African American 5 $460,000 $92,000 $147,000 $55,000 $97,000
Native Hawaiian or Other Pacific Islander 3 $234,000 $78,000 $141,000 $159,000 $240,000
Asian 3 $1,037,000 $345,000 $500,000 $173,000 $259,000
American Indian or Alaskan Native 1 $26,000 $26,000 $26,000 $51,000 $51,000

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) 281 $68,130,000 $242,000 $8,100,000 $255,000 $9,999,000
FHA-insured (Federal Housing Administration) 30 $3,125,000 $104,000 $203,000 $81,000 $1,020,000
VA-guaranteed (Veterans Administration) 24 $4,072,000 $169,000 $502,000 $59,000 $150,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 14 $1,662,000 $118,000 $167,000 $30,000 $72,000

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 159 $42,865,000 $269,000 $8,100,000 $219,000 $2,573,000
Application Denied By Financial Institution 60 $9,149,000 $152,000 $860,000 $142,000 $1,667,000
Loan Purchased By The Institution 53 $10,333,000 $194,000 $626,000 $119,000 $712,000
Application Withdrawn By Applicant 39 $7,316,000 $187,000 $805,000 $164,000 $1,777,000
Application Approved But Not Accepted 20 $4,189,000 $209,000 $417,000 $159,000 $333,000
File Closed For Incompleteness 18 $3,137,000 $174,000 $860,000 $917,000 $9,999,000
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 6 $1,678,000 $279,000 $510,000 $187,000 $456,000
Credit History 5 $153,000 $30,000 $57,000 $89,000 $167,000
Debt-To-Income Ratio 4 $1,000,000 $250,000 $755,000 $142,000 $368,000
Other 4 $817,000 $204,000 $412,000 $192,000 $487,000
Credit Application Incomplete 3 $450,000 $150,000 $219,000 $123,000 $136,000
Unverifiable Information 1 $860,000 $860,000 $860,000 $1,667,000 $1,667,000
Insufficient Cash (Downpayment, Closing Cost) 1 $75,000 $75,000 $75,000 $55,000 $55,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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