Garza County, TX Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 182 mortgage applications in Garza County, TX totaling $10.5 million, down 21% from 2005. The average application was for $57,000, and applicants reported an average income of $77,000. 43% of applications resulted in an originated loan and 29% were denied. The most active lender was Wells Fargo Bank, NA, with 36 applications, followed by Citizens Bank and Beneficial Company LLC.
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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 | 182 |
| Total Mortgage Loan Application Amount | $10,544,000 |
| Average Mortgage Loan Application Amount | $57,000 |
| Highest Mortgage Loan Application Amount | $549,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $1,506,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 36 | $ 1,310,000 |
| Citizens Bank 103 TEXAS AVE SLATON, TX 79364 |
* | $ 158,090,000 | 25 | $ 1,165,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 17 | $ 392,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 10 | $ 270,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 8 | $ 1,007,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,960,716,000 | 7 | $ 41,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 553,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 2,040,845,000 | 6 | $ 464,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 128,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 220,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 104,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 3 | $ 355,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,082,250,290,000 | 3 | $ 119,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 2,673,256,000 | 3 | $ 130,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 324,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 3 | $ 456,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 174,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 998,987,000 | 2 | $ 368,000 |
| Security State Bank 501 PHELPS AVE; PO BOX 470 LITTLEFIELD, TX 79339 |
* | $ 73,638,000 | 2 | $ 81,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 464,824,000 | 2 | $ 649,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 2 | $ 236,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 19,653,232,000 | 2 | $ 146,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 131,389,000 | 2 | $ 140,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 2 | $ 75,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 2 | $ 66,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 36,499,554,000 | 2 | $ 160,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 1 | $ 46,000 |
| Charter Bank 2130 EUBANK BLVD NE ALBUQUERQUE, NM 87112 |
* | $ 1,079,496,000 | 1 | $ 105,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 124,384,506,000 | 1 | $ 189,000 |
| United Financial Mortgage Corp 815 COMMERCE DRIVE SUITE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 27,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Lending Street,Llc 3440 BELL SUITE 326 AMARILLO, TX 79109 |
* | $ 10,000,000 | 1 | $ 36,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 150,679,481,000 | 1 | $ 51,000 |
| Texstar Bank / Fnb Monahans 600 N MARIENFELD STE 100 MIDLAND, TX 79701 |
* | $ 240,359,000 | 1 | $ 20,000 |
| Vista Bank 5840 W NORTHWEST HWY DALLAS, TX 75225 |
* | $ 129,484,000 | 1 | $ 15,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 36,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 177,231,290,000 | 1 | $ 189,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 69,482,177,000 | 1 | $ 51,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 276,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 80,000 |
The tables below break down 2006 mortgage applications in Garza 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 Garza County, TX in 2006
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 | 91 | $6,029,000 | $66,000 | $276,000 | $69,000 | $326,000 |
| Refinancing | 47 | $3,831,000 | $81,000 | $549,000 | $128,000 | $1,506,000 |
| Home Improvement | 44 | $684,000 | $15,000 | $80,000 | $37,000 | $68,000 |
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 | 115 | $7,476,000 | $65,000 | $549,000 | $82,000 | $1,506,000 |
| Hispanic | 42 | $1,097,000 | $26,000 | $96,000 | $60,000 | $352,000 |
| Not Provided | 12 | $1,266,000 | $105,000 | $192,000 | $113,000 | $240,000 |
| Not applicable | 6 | $471,000 | $78,000 | $180,000 | $37,000 | $156,000 |
| Black or African American | 4 | $187,000 | $46,000 | $55,000 | $46,000 | $52,000 |
| American Indian or Alaskan Native | 2 | $27,000 | $13,000 | $24,000 | $32,000 | $48,000 |
| Asian | 1 | $20,000 | $20,000 | $20,000 | $193,000 | $193,000 |
| 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) | 169 | $9,913,000 | $58,000 | $549,000 | $80,000 | $1,506,000 |
| FHA-insured (Federal Housing Administration) | 11 | $559,000 | $50,000 | $63,000 | $40,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 2 | $72,000 | $36,000 | $36,000 | $14,000 | $28,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $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 | 78 | $5,079,000 | $65,000 | $549,000 | $88,000 | $1,506,000 |
| Application Denied By Financial Institution | 52 | $1,776,000 | $34,000 | $122,000 | $55,000 | $352,000 |
| Loan Purchased By The Institution | 18 | $1,660,000 | $92,000 | $255,000 | $82,000 | $300,000 |
| Application Approved But Not Accepted | 17 | $1,005,000 | $59,000 | $189,000 | $79,000 | $269,000 |
| Application Withdrawn By Applicant | 16 | $971,000 | $60,000 | $276,000 | $84,000 | $336,000 |
| File Closed For Incompleteness | 1 | $53,000 | $53,000 | $53,000 | $90,000 | $90,000 |
| 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 | 23 | $580,000 | $25,000 | $72,000 | $40,000 | $80,000 |
| Other | 5 | $264,000 | $52,000 | $121,000 | $45,000 | $75,000 |
| Collateral | 3 | $170,000 | $56,000 | $60,000 | $77,000 | $97,000 |
| Unverifiable Information | 1 | $71,000 | $71,000 | $71,000 | $59,000 | $59,000 |
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $22,000 | $22,000 |
| 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 |
| 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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