Hall County, TX Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 39 mortgage applications in Hall County, TX totaling $2.5 million, up 5% from 2019. The average application was for $65,000, and applicants reported an average income of $54,000. 33% of applications resulted in an originated loan and 26% were denied. The most active lender was Happy State Bank, with 7 applications, followed by Amarillo National 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 | 39 |
| Total Mortgage Loan Application Amount | $2,545,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $163,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 3,824,411,000 | 7 | $ 395,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 5,700,689,000 | 3 | $ 145,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 2 | $ 70,000 |
| Acfcu Federal Credit Union 6100 I-40 WEST AMARILLO, TX 79106 |
* | $ 242,069,000 | 2 | $ 110,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 9,675,518,000 | 1 | $ 15,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 5,893,793,000 | 1 | $ 35,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 1 | $ 65,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 65,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 35,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 45,000 |
| The People's Federal Credit Union PO BOX 9335 AMARILLO, TX 79109 |
* | $ 194,358,000 | 1 | $ 25,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 35,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 115,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 55,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 115,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 220,695,000 | 1 | $ 115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 125,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 65,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,712,795,000 | 1 | $ 45,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ -1,000 | 1 | $ 205,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 55,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 1 | $ 45,000 |
The tables below break down 2020 mortgage applications in Hall 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 Hall County, TX in 2020
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 | 24 | $1,590,000 | $66,000 | $115,000 | $56,000 | $163,000 |
| Cash-out Refinancing | 6 | $430,000 | $71,000 | $205,000 | $53,000 | $94,000 |
| Other Purpose | 4 | $240,000 | $60,000 | $125,000 | $46,000 | $60,000 |
| Refinancing | 3 | $205,000 | $68,000 | $125,000 | $29,000 | $40,000 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $98,000 | $98,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
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 | 25 | $1,775,000 | $71,000 | $205,000 | $59,000 | $163,000 |
| Not applicable | 5 | $295,000 | $59,000 | $95,000 | $0 | $0 |
| Not Provided | 4 | $190,000 | $47,000 | $65,000 | $46,000 | $94,000 |
| Black or African American | 2 | $70,000 | $35,000 | $45,000 | $51,000 | $52,000 |
| Hispanic | 2 | $160,000 | $80,000 | $115,000 | $27,000 | $32,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $23,000 | $23,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 29 | $1,845,000 | $63,000 | $205,000 | $55,000 | $163,000 |
| FHA-insured (Federal Housing Administration) | 6 | $360,000 | $60,000 | $115,000 | $48,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $150,000 | $75,000 | $85,000 | $86,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 2 | $190,000 | $95,000 | $125,000 | $14,000 | $14,000 |
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 | 13 | $815,000 | $62,000 | $115,000 | $53,000 | $141,000 |
| Application Denied By Financial Institution | 10 | $740,000 | $74,000 | $205,000 | $61,000 | $163,000 |
| Application Withdrawn By Applicant | 6 | $330,000 | $55,000 | $105,000 | $64,000 | $94,000 |
| Loan Purchased By The Institution | 5 | $295,000 | $59,000 | $95,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 2 | $120,000 | $60,000 | $75,000 | $36,000 | $36,000 |
| File Closed For Incompleteness | 2 | $180,000 | $90,000 | $125,000 | $23,000 | $23,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $14,000 | $14,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 29 | $1,805,000 | $62,000 | $125,000 | $51,000 | $141,000 |
| Debt-To-Income Ratio | 5 | $355,000 | $71,000 | $205,000 | $33,000 | $52,000 |
| Credit History | 3 | $225,000 | $75,000 | $115,000 | $116,000 | $163,000 |
| Collateral | 1 | $125,000 | $125,000 | $125,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $16,000 | $16,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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