Garza County, TX Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 104 mortgage applications in Garza County, TX totaling $11.2 million, up 11% from 2014. The average application was for $107,000, and applicants reported an average income of $102,000. 44% of applications resulted in an originated loan and 20% were denied. The most active lender was Primewest Mortgage Corporation, with 20 applications, followed by Centennial 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 | 104 |
| Total Mortgage Loan Application Amount | $11,217,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $838,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $2,816,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 20 | $ 2,867,000 |
| Centennial Bank 904 AVE. O LUBBOCK, TX 79401 |
* | $ 739,096,000 | 17 | $ 1,459,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 9 | $ 592,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 458,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 360,084,000 | 7 | $ 356,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 5 | $ 553,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 305,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 280,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 3 | $ 212,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,332,169,000 | 3 | $ 472,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 165,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 2 | $ 112,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 2 | $ 159,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 627,629,000 | 1 | $ 49,000 |
| Energy One Federal Credit Union 6100 S YALE AVE, SUITE 100 TULSA, OK 74136 |
* | $ 254,589,000 | 1 | $ 220,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 117,000 |
| Cazle Mortgage, Inc. 3 E HENRIETTA ST BALTIMORE, MD 21220 |
* | $ 4,980,000 | 1 | $ 184,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 21,504,119,000 | 1 | $ 26,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 480,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 1 | $ 133,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 167,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 209,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 154,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 106,915,000 | 1 | $ 129,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 224,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 209,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 1,306,281,000 | 1 | $ 20,000 |
| Toyota Financial Savings Bank 2485 VILLAGE VIEW DRIVE, SUITE 200 HENDERSON, NV 89074 |
* | $ 938,673,000 | 1 | $ 504,000 |
The tables below break down 2015 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 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 | 72 | $6,488,000 | $90,000 | $480,000 | $69,000 | $468,000 |
| Refinancing | 24 | $3,632,000 | $151,000 | $838,000 | $212,000 | $2,816,000 |
| Home Improvement | 8 | $1,097,000 | $137,000 | $814,000 | $64,000 | $120,000 |
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 | 56 | $6,920,000 | $123,000 | $838,000 | $154,000 | $2,816,000 |
| Hispanic | 28 | $1,813,000 | $64,000 | $133,000 | $53,000 | $148,000 |
| Not applicable | 16 | $2,303,000 | $143,000 | $814,000 | $4,000 | $76,000 |
| Not Provided | 3 | $157,000 | $52,000 | $56,000 | $132,000 | $170,000 |
| Black or African American | 1 | $24,000 | $24,000 | $24,000 | $35,000 | $35,000 |
| 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) | 64 | $7,047,000 | $110,000 | $838,000 | $138,000 | $2,816,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,322,000 | $110,000 | $209,000 | $45,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $499,000 | $83,000 | $160,000 | $41,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 4 | $349,000 | $87,000 | $107,000 | $32,000 | $52,000 |
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 | 46 | $5,117,000 | $111,000 | $814,000 | $139,000 | $2,816,000 |
| Loan Purchased By The Institution | 21 | $2,056,000 | $97,000 | $209,000 | $22,000 | $170,000 |
| Application Denied By Financial Institution | 21 | $1,622,000 | $77,000 | $225,000 | $82,000 | $371,000 |
| File Closed For Incompleteness | 7 | $524,000 | $74,000 | $165,000 | $65,000 | $156,000 |
| Application Withdrawn By Applicant | 6 | $1,335,000 | $222,000 | $838,000 | $187,000 | $859,000 |
| Application Approved But Not Accepted | 3 | $563,000 | $187,000 | $480,000 | $151,000 | $263,000 |
| 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 | 7 | $307,000 | $43,000 | $75,000 | $66,000 | $120,000 |
| Other | 3 | $267,000 | $89,000 | $160,000 | $68,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $184,000 | $184,000 | $184,000 | $110,000 | $110,000 |
| Debt-To-Income Ratio | 1 | $45,000 | $45,000 | $45,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 1 | $98,000 | $98,000 | $98,000 | $71,000 | $71,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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