Garza County, TX Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 114 mortgage applications in Garza County, TX totaling $11.4 million, up 21% from 2016. The average application was for $100,000, and applicants reported an average income of $99,000. 39% of applications resulted in an originated loan and 25% were denied. The most active lender was Centennial Bank, with 14 applications, followed by Wells Fargo Bank NA and Primewest Mortgage Corporation.
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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 | 114 |
| Total Mortgage Loan Application Amount | $11,428,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $914,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $1,041,000 |
| 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 |
* | $ 726,004,000 | 14 | $ 731,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 12 | $ 1,216,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ -1,000 | 11 | $ 1,373,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 10 | $ 753,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 7 | $ 391,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 4 | $ 208,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 469,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 122,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 22,318,430,000 | 3 | $ 548,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 3 | $ 208,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 434,873,000 | 2 | $ 152,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 2 | $ 15,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 177,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 177,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 275,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 247,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 2 | $ 235,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 2 | $ 1,007,000 |
| Southwest Bank 4800 E. 42ND STREET ODESSA, TX 79762 |
* | $ 332,918,000 | 2 | $ 465,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 163,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 217,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 310,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 88,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 6,782,077,000 | 1 | $ 115,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 44,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 21,574,595,000 | 1 | $ 2,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ -1,000 | 1 | $ 134,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 105,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 77,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 3,132,258,000 | 1 | $ 500,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 1,216,919,000 | 1 | $ 62,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 56,000 |
| Southwest Airlines FCU 2340 SHORECREST DALLAS, TX 75235 |
* | $ 460,268,000 | 1 | $ 92,000 |
| Aimbank 110 COLLEGE AVE LEVELLAND, TX 79336 |
* | $ 843,174,000 | 1 | $ 104,000 |
| Alliance Credit Union 8401 QUAKER AVE LUBBOCK, TX 79424 |
* | $ 234,526,000 | 1 | $ 56,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 130,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 125,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ -1,000 | 1 | $ 93,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 80,000 |
| Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50TH ST LUBBOCK, TX 79413 |
* | $ 0 | 1 | $ 63,000 |
The tables below break down 2017 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 2017
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 | 88 | $8,475,000 | $96,000 | $500,000 | $100,000 | $1,041,000 |
| Refinancing | 18 | $2,644,000 | $146,000 | $914,000 | $99,000 | $637,000 |
| Home Improvement | 8 | $309,000 | $38,000 | $130,000 | $84,000 | $216,000 |
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 | 67 | $8,018,000 | $119,000 | $914,000 | $132,000 | $1,041,000 |
| Hispanic | 20 | $1,420,000 | $71,000 | $143,000 | $82,000 | $252,000 |
| Not applicable | 15 | $1,352,000 | $90,000 | $190,000 | $18,000 | $229,000 |
| Not Provided | 9 | $413,000 | $45,000 | $92,000 | $43,000 | $113,000 |
| Black or African American | 3 | $225,000 | $75,000 | $113,000 | $43,000 | $43,000 |
| 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) | 81 | $8,325,000 | $102,000 | $914,000 | $123,000 | $1,041,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,312,000 | $88,000 | $162,000 | $36,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 4 | $558,000 | $139,000 | $190,000 | $49,000 | $74,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $233,000 | $77,000 | $85,000 | $45,000 | $80,000 |
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 | 45 | $5,408,000 | $120,000 | $914,000 | $134,000 | $1,041,000 |
| Application Denied By Financial Institution | 28 | $2,014,000 | $71,000 | $158,000 | $62,000 | $150,000 |
| Loan Purchased By The Institution | 17 | $1,625,000 | $95,000 | $190,000 | $26,000 | $229,000 |
| Application Withdrawn By Applicant | 10 | $1,199,000 | $119,000 | $214,000 | $94,000 | $252,000 |
| File Closed For Incompleteness | 7 | $372,000 | $53,000 | $89,000 | $137,000 | $270,000 |
| Application Approved But Not Accepted | 7 | $810,000 | $115,000 | $270,000 | $165,000 | $302,000 |
| 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 | 6 | $290,000 | $48,000 | $156,000 | $44,000 | $108,000 |
| Debt-To-Income Ratio | 2 | $235,000 | $117,000 | $130,000 | $101,000 | $150,000 |
| Collateral | 1 | $150,000 | $150,000 | $150,000 | $73,000 | $73,000 |
| Other | 1 | $143,000 | $143,000 | $143,000 | $55,000 | $55,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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