Gray County, TX Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 735 mortgage applications in Gray County, TX totaling $57.8 million, down 19% from 2007. The average application was for $78,000, and applicants reported an average income of $62,000. 44% of applications resulted in an originated loan and 23% were denied. The most active lender was Countrywide Bank FSB, with 66 applications, followed by Bank of America, N.A. and Firstbank Southwest.
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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 | 735 |
| Total Mortgage Loan Application Amount | $57,827,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $1,350,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $480,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 66 | $ 6,452,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 60 | $ 3,517,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 659,994,000 | 59 | $ 3,396,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 2,631,684,000 | 51 | $ 4,928,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 48 | $ 3,297,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 46 | $ 3,282,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 35 | $ 2,557,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 35 | $ 1,742,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 29 | $ 252,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 23 | $ 1,759,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 97,835,000 | 23 | $ 2,737,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 19 | $ 1,576,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 616,731,000 | 17 | $ 1,652,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 15 | $ 1,386,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 12 | $ 925,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 9 | $ 790,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 9 | $ 826,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 833,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 8 | $ 289,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 8 | $ 793,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 8 | $ 802,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 8 | $ 784,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 7 | $ 845,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 949,331,000 | 7 | $ 525,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 6 | $ 1,501,000 |
| Extraco Banks, NA 18 SOUTH MAIN STREET TEMPLE, TX 76502 |
* | $ 1,016,232,000 | 5 | $ 586,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 5 | $ 54,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 5 | $ 324,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 549,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 252,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 4 | $ 37,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 4 | $ 352,000 |
| Acfcu Federal Credit Union 6100 I-40 WEST AMARILLO, TX 79106 |
* | $ 117,272,000 | 4 | $ 167,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 3 | $ 104,000 |
| Charter Bank 2130 EUBANK BLVD NE ALBUQUERQUE, NM 87112 |
* | $ 1,405,353,000 | 3 | $ 314,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 3 | $ 297,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 3 | $ 149,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 97,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 3 | $ 138,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 2 | $ 145,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 227,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 2 | $ 33,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 2 | $ 205,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 14,649,115,000 | 2 | $ 198,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,187,800,000 | 2 | $ 84,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 2 | $ 193,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 2 | $ 294,000 |
| Imperial Capital Bank 500 N. BRAND BLVD., SUITE 2300 GLENDALE, CA 91203 |
* | $ 3,537,299,000 | 2 | $ 2,040,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Certified Funding, L.P. 17304 PRESTON RD STE 620 DALLAS, TX 75252 |
* | $ 10,000,000 | 1 | $ 19,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Earth Mortgage 2245 KELLER WAY CARROLLTON, TX 75006 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Equity Services, Inc. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 79,000 |
| Jefferson Bank 18333 PRESTON RD, STE 100 DALLAS, TX 75252 |
* | $ 278,101,000 | 1 | $ 5,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Chemcel Federal Credit Union 5740 CR 4 BISHOP, TX 78343 |
* | $ 52,173,000 | 1 | $ 32,000 |
| The People's Federal Credit Union PO BOX 9335 AMARILLO, TX 79109 |
* | $ 84,562,000 | 1 | $ 10,000 |
| Air Academy Federal Credit Union 9810 N UNION BLVD COLORADO SPRINGS, CO 80924 |
* | $ 306,248,000 | 1 | $ 143,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 1 | $ 78,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 200,000 |
| Education Credit Union 4400 INTERSTATE 40 WEST AMARILLO, TX 79106 |
* | $ 124,024,000 | 1 | $ 11,000 |
| Velocity Credit Union PO BOX 1089 AUSTIN, TX 78767 |
* | $ 426,146,000 | 1 | $ 19,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 51,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 102,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Allen Mortgage, LLC P.O. BOX 1168 CENTENNIAL PARK, AZ 86021 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Interlinc Mtg Inc 19221 I 45 SOUTH SUITE 210 CONROE, TX 77385 |
* | $ 850,000 | 1 | $ 82,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 225,000 |
| Classic Home Financial, Inc. 10700 RICHMOND AVENUE #150 HOUSTON, TX 77042 |
* | $ 428,000,000 | 1 | $ 77,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 46,000 |
| Stonewater Mortgage Corporatio 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Share Plus Federal Bank 5224 W. PLANO PKWY PLANO, TX 75093 |
* | $ 167,298,000 | 1 | $ 35,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 311,937,000 | 1 | $ 183,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 738,769,000 | 1 | $ 17,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 83,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 653,269,000,000 | 1 | $ 11,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 7,406,877,000 | 1 | $ 152,000 |
| Bank of Texas, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 4,058,543,000 | 1 | $ 40,000 |
| Encore Bank, NA NINE GREENWAY PLAZA, SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,399,426,000 | 1 | $ 23,000 |
| Citizens Bank 103 TEXAS AVE SLATON, TX 79364 |
* | $ 202,405,000 | 1 | $ 81,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 43,810,702,000 | 1 | $ 50,000 |
| Popular Bank 9600 WEST BRYN MAWR NEW YORK, NY 10004 |
* | $ 13,358,340,000 | 1 | $ 52,000 |
| Lone Star State Bank of West Texas 6220 MILWAUKEE AVENUE LUBBOCK, TX 79424 |
* | $ 87,569,000 | 1 | $ 25,000 |
| First B&T of Memphis 501 MAIN ST P.O. BOX 100 MEMPHIS, TX 79245 |
* | $ 57,774,000 | 1 | $ 126,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 739,434,000 | 1 | $ 330,000 |
| Kennebunk Savings Bank 104 MAIN STREET KENNEBUNK, ME 04043 |
* | $ 745,471,000 | 1 | $ 7,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 61,829,845,000 | 1 | $ 66,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 333,711,000 | 1 | $ 44,000 |
The tables below break down 2008 mortgage applications in Gray 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 Gray County, TX in 2008
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 | 444 | $37,441,000 | $84,000 | $400,000 | $59,000 | $480,000 |
| Refinancing | 162 | $16,995,000 | $104,000 | $1,350,000 | $66,000 | $400,000 |
| Home Improvement | 129 | $3,391,000 | $26,000 | $150,000 | $68,000 | $245,000 |
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 | 532 | $40,739,000 | $76,000 | $400,000 | $67,000 | $480,000 |
| Hispanic | 78 | $4,444,000 | $56,000 | $200,000 | $50,000 | $143,000 |
| Not Provided | 74 | $5,391,000 | $72,000 | $380,000 | $64,000 | $431,000 |
| Not applicable | 41 | $6,804,000 | $165,000 | $1,350,000 | $25,000 | $135,000 |
| Black or African American | 5 | $138,000 | $27,000 | $74,000 | $69,000 | $104,000 |
| Asian | 4 | $301,000 | $75,000 | $144,000 | $77,000 | $88,000 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $2,000 | $2,000 |
| 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) | 485 | $37,147,000 | $76,000 | $1,350,000 | $70,000 | $450,000 |
| FHA-insured (Federal Housing Administration) | 209 | $17,166,000 | $82,000 | $227,000 | $50,000 | $480,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $1,673,000 | $72,000 | $129,000 | $29,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 18 | $1,841,000 | $102,000 | $183,000 | $48,000 | $131,000 |
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 | 320 | $26,333,000 | $82,000 | $1,350,000 | $69,000 | $450,000 |
| Application Denied By Financial Institution | 170 | $12,045,000 | $70,000 | $1,100,000 | $59,000 | $400,000 |
| Loan Purchased By The Institution | 150 | $12,118,000 | $80,000 | $191,000 | $47,000 | $480,000 |
| Application Approved But Not Accepted | 42 | $2,929,000 | $69,000 | $236,000 | $63,000 | $135,000 |
| Application Withdrawn By Applicant | 41 | $3,636,000 | $88,000 | $400,000 | $78,000 | $177,000 |
| File Closed For Incompleteness | 12 | $766,000 | $63,000 | $186,000 | $77,000 | $245,000 |
| 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 | 58 | $2,277,000 | $39,000 | $369,000 | $57,000 | $400,000 |
| Collateral | 12 | $963,000 | $80,000 | $225,000 | $90,000 | $250,000 |
| Other | 11 | $789,000 | $71,000 | $200,000 | $69,000 | $144,000 |
| Debt-To-Income Ratio | 6 | $600,000 | $100,000 | $138,000 | $40,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $503,000 | $100,000 | $226,000 | $88,000 | $240,000 |
| Unverifiable Information | 4 | $292,000 | $73,000 | $110,000 | $49,000 | $61,000 |
| Credit Application Incomplete | 4 | $257,000 | $64,000 | $85,000 | $52,000 | $75,000 |
| Employment History | 3 | $397,000 | $132,000 | $179,000 | $62,000 | $93,000 |
| 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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