Garza County, TX Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 94 mortgage applications in Garza County, TX totaling $10.0 million, up 19% from 2013. The average application was for $105,000, and applicants reported an average income of $73,000. 50% of applications resulted in an originated loan and 29% were denied. The most active lender was Centennial Bank, with 20 applications, followed by Peoples Bank and Wells Fargo 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 | 94 |
| Total Mortgage Loan Application Amount | $9,957,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $1,694,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $323,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Centennial Bank 904 AVE. O LUBBOCK, TX 79401 |
* | $ 718,310,000 | 20 | $ 1,458,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 333,294,000 | 17 | $ 787,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 15 | $ 873,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 322,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 4 | $ 426,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 3 | $ 325,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 3 | $ 194,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 71,737,435,000 | 3 | $ 1,061,000 |
| First Bank & Trust 9816 SLIDE RD. LUBBOCK, TX 79424 |
* | $ 628,221,000 | 2 | $ 145,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 600,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,158,336,000 | 2 | $ 105,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 70,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 173,000 |
| Communities of Abilene FCU 3661 NORTH 6TH STREET ABILENE, TX 79603 |
* | $ 122,156,000 | 1 | $ 540,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 104,714,000 | 1 | $ 83,000 |
| Southwest Bank 4800 E. 42ND STREET ODESSA, TX 79762 |
* | $ 302,820,000 | 1 | $ 480,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 35,000 |
| South Texas Bancshares, Inc. PO BOX 160 SHALLOWATER, TX 79363 |
* | $ 59,207,000 | 1 | $ 33,000 |
| Lubbock National Bank 4811 50TH LUBBOCK, TX 79414 |
* | $ 822,508,000 | 1 | $ 31,000 |
| Bank Snb 608 S MAIN STILLWATER, OK 74074 |
* | $ 1,966,857,000 | 1 | $ 128,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 1 | $ 68,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 75,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 72,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 8,361,206,000 | 1 | $ 1,694,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 136,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 5,000 |
The tables below break down 2014 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 2014
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 | 59 | $6,228,000 | $105,000 | $1,694,000 | $66,000 | $323,000 |
| Refinancing | 18 | $3,322,000 | $184,000 | $540,000 | $100,000 | $153,000 |
| Home Improvement | 17 | $407,000 | $23,000 | $100,000 | $70,000 | $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 | 57 | $4,801,000 | $84,000 | $540,000 | $86,000 | $323,000 |
| Hispanic | 17 | $834,000 | $49,000 | $106,000 | $65,000 | $160,000 |
| Not applicable | 12 | $2,913,000 | $242,000 | $1,694,000 | $7,000 | $85,000 |
| Not Provided | 7 | $1,353,000 | $193,000 | $540,000 | $103,000 | $161,000 |
| Black or African American | 1 | $56,000 | $56,000 | $56,000 | $52,000 | $52,000 |
| 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) | 78 | $8,444,000 | $108,000 | $1,694,000 | $79,000 | $323,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,513,000 | $94,000 | $206,000 | $46,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 47 | $5,947,000 | $126,000 | $1,694,000 | $71,000 | $200,000 |
| Application Denied By Financial Institution | 27 | $1,959,000 | $72,000 | $506,000 | $83,000 | $259,000 |
| Application Approved But Not Accepted | 9 | $1,200,000 | $133,000 | $540,000 | $95,000 | $323,000 |
| Loan Purchased By The Institution | 7 | $551,000 | $78,000 | $147,000 | $18,000 | $85,000 |
| Application Withdrawn By Applicant | 4 | $300,000 | $75,000 | $136,000 | $73,000 | $129,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7 | $305,000 | $43,000 | $116,000 | $94,000 | $161,000 |
| Collateral | 3 | $264,000 | $88,000 | $206,000 | $92,000 | $146,000 |
| Debt-To-Income Ratio | 2 | $191,000 | $95,000 | $107,000 | $67,000 | $88,000 |
| Credit Application Incomplete | 1 | $39,000 | $39,000 | $39,000 | $112,000 | $112,000 |
| Other | 1 | $506,000 | $506,000 | $506,000 | $130,000 | $130,000 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $26,000 | $26,000 |
| 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 |
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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