In 2011, lenders reported 353 mortgage applications in Gonzales County, TX totaling $34.9 million, up 1% from 2010. The average application was for $98,000, and applicants reported an average income of $80,000. 43% of applications resulted in an originated loan and 30% were denied. The most active lender was Wells Fargo Bank NA, with 75 applications, followed by Randolph-Brooks Federal Credit Union and Vanderbilt Mortgage and Finance, Inc.
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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 | 353 |
| Total Mortgage Loan Application Amount | $34,937,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $416,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $1,000,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 75 | $ 8,792,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 4,184,167,000 | 42 | $ 3,911,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 31 | $ 1,946,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 26 | $ 1,629,000 |
| Nixon State Bank 200 N NIXON AVE NIXON, TX 78140 |
* | $ 69,306,000 | 24 | $ 646,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 9,472,521,000 | 19 | $ 970,000 |
| Sage Capital Bank, N. A. 1606 N SARAH DEWITT DRIVE GONZALES, TX 78629 |
* | $ 250,502,000 | 15 | $ 1,344,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 9 | $ 588,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 8 | $ 1,458,000 |
| Southstar Bank SSB 100 S. MAIN MOULTON, TX 77975 |
* | $ 183,284,000 | 8 | $ 766,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 6 | $ 701,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 5 | $ 417,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 4 | $ 96,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 4 | $ 288,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 4 | $ 654,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 4 | $ 628,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 475,843,000 | 3 | $ 481,000 |
| Txl Mortgage Corporation 11931 WICKCHESTER LN STE 444 HOUSTON, TX 77043 |
* | $ 100,000,000 | 3 | $ 781,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 487,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 799,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 3 | $ 388,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 197,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 2 | $ 154,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 2 | $ 296,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 2 | $ 531,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 2 | $ 302,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 313,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 2 | $ 286,000 |
| Classic Home Financial, Inc. 10700 RICHMOND AVENUE #150 HOUSTON, TX 77042 |
* | $ 428,000,000 | 1 | $ 165,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 88,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 47,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 140,000 |
| Suburban Mortgage Co of Nm 9401 JERONIMO ROAD STE 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 311,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 32,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 97,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 73,000 |
| First-Lockhart National Bank P O BOX 600 LOCKHART, TX 78644 |
* | $ 153,742,000 | 1 | $ 111,000 |
| Broadway National Bank 1177 NE LOOP 410 SAN ANTONIO, TX 78209 |
* | $ 2,341,319,000 | 1 | $ 120,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 210,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 181,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 1 | $ 182,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 334,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 392,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 62,638,180,000 | 1 | $ 117,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 45,000 |
| Industry State Bank 16886 FORDTRAN BLVD INDUSTRY, TX 78944 |
* | $ 375,908,000 | 1 | $ 85,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 1,587,832,000 | 1 | $ 30,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 996,420,000 | 1 | $ 65,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 1 | $ 281,000 |
| Navy Army Ccu 5725 SPOHN DRIVE CORPUS, TX 78414 |
* | $ 1,133,627,000 | 1 | $ 220,000 |
| Omniamerican Bank 1320 SOUTH UNIVERSITY DR SUITE 106 FORT WORTH, TX 76107 |
* | $ 1,108,161,000 | 1 | $ 80,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 45,000 |
| Chickasha Bank & Trust Company 1924 S. 4TH CHICKASHA, OK 73018 |
* | $ 191,469,000 | 1 | $ 66,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,285,632,000 | 1 | $ 200,000 |
| Encore Bank, NA NINE GREENWAY PLAZA, SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,459,360,000 | 1 | $ 50,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 1 | $ 153,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 18,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 1 | $ 85,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 55,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 77,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 70,506,963,000 | 1 | $ 30,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 1 | $ 200,000 |
The tables below break down 2011 mortgage applications in Gonzales County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 171 | $16,344,000 | $95,000 | $372,000 | $70,000 | $632,000 |
| Refinancing | 132 | $16,950,000 | $128,000 | $416,000 | $97,000 | $1,000,000 |
| Home Improvement | 50 | $1,643,000 | $32,000 | $250,000 | $64,000 | $240,000 |
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 | 222 | $25,007,000 | $112,000 | $416,000 | $97,000 | $1,000,000 |
| Hispanic | 86 | $5,378,000 | $62,000 | $217,000 | $45,000 | $176,000 |
| Not Provided | 22 | $3,165,000 | $143,000 | $392,000 | $91,000 | $236,000 |
| Black or African American | 11 | $439,000 | $39,000 | $104,000 | $31,000 | $65,000 |
| Not applicable | 9 | $553,000 | $61,000 | $97,000 | $5,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $88,000 | $88,000 | $88,000 | $81,000 | $81,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $55,000 | $55,000 |
| Asian | 1 | $277,000 | $277,000 | $277,000 | $145,000 | $145,000 |
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) | 290 | $26,976,000 | $93,000 | $416,000 | $87,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 49 | $5,998,000 | $122,000 | $392,000 | $44,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,550,000 | $172,000 | $317,000 | $73,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $413,000 | $82,000 | $97,000 | $35,000 | $63,000 |
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 | 153 | $14,906,000 | $97,000 | $416,000 | $88,000 | $658,000 |
| Application Denied By Financial Institution | 105 | $9,612,000 | $91,000 | $392,000 | $68,000 | $240,000 |
| Application Approved But Not Accepted | 46 | $4,112,000 | $89,000 | $340,000 | $62,000 | $199,000 |
| Loan Purchased By The Institution | 27 | $3,494,000 | $129,000 | $317,000 | $75,000 | $658,000 |
| Application Withdrawn By Applicant | 18 | $2,245,000 | $124,000 | $349,000 | $121,000 | $1,000,000 |
| File Closed For Incompleteness | 4 | $568,000 | $142,000 | $334,000 | $112,000 | $315,000 |
| 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 | 24 | $1,524,000 | $63,000 | $344,000 | $62,000 | $240,000 |
| Debt-To-Income Ratio | 13 | $723,000 | $55,000 | $100,000 | $49,000 | $130,000 |
| Collateral | 11 | $1,593,000 | $144,000 | $311,000 | $80,000 | $161,000 |
| Other | 6 | $626,000 | $104,000 | $165,000 | $104,000 | $204,000 |
| Credit Application Incomplete | 5 | $887,000 | $177,000 | $372,000 | $99,000 | $140,000 |
| Unverifiable Information | 4 | $459,000 | $114,000 | $165,000 | $82,000 | $113,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $71,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $180,000 | $180,000 | $180,000 | $70,000 | $70,000 |
| 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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