Hardeman County, TX Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 90 mortgage applications in Hardeman County, TX totaling $5.5 million, down 4% from 2005. The average application was for $60,000, and applicants reported an average income of $60,000. 39% of applications resulted in an originated loan and 29% were denied. The most active lender was Beneficial Company LLC, with 14 applications, followed by Waggoner National Bank and Gmac Mortgage LLC.
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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 | 90 |
| Total Mortgage Loan Application Amount | $5,473,000 |
| Average Mortgage Loan Application Amount | $60,000 |
| Highest Mortgage Loan Application Amount | $208,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $228,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 14 | $ 638,000 |
| Waggoner National Bank 1818 TEXAS ST VERNON, TX 76384 |
* | $ 208,501,000 | 6 | $ 115,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 312,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 600,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 211,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,960,716,000 | 4 | $ 30,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 16,981,282,000 | 4 | $ 133,000 |
| Resmae Mortgage Corporation 6 POINTE DRIVE BREA, CA 92821 |
* | $ 10,000,000 | 4 | $ 209,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 130,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 3 | $ 296,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 3 | $ 150,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 355,817,000 | 3 | $ 157,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 131,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 2 | $ 278,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 123,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 2 | $ 46,000 |
| Home Loan Corporation 450 GEARS ROAD, SUITE 600 HOUSTON, TX 77067 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 40,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 65,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Meridias Capital Incorporated P.O. BOX 241429 CHARLOTTE, NC 28273 |
* | $ 150,000,000 | 1 | $ 81,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 324,894,000 | 1 | $ 204,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 1 | $ 15,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 1 | $ 50,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 1,856,833,000 | 1 | $ 179,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 3,387,027,000 | 1 | $ 208,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 1 | $ 65,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 81,074,402,000 | 1 | $ 208,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 19,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 15,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 67,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 10,089,076,000 | 1 | $ 44,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 1 | $ 85,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 22,481,092,000 | 1 | $ 55,000 |
| Vintage Bank P O BOX 557 WAXAHACHIE, TX 75168 |
* | $ 86,951,000 | 1 | $ 194,000 |
The tables below break down 2006 mortgage applications in Hardeman 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 Hardeman County, TX in 2006
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 | 39 | $2,085,000 | $53,000 | $194,000 | $44,000 | $183,000 |
| Refinancing | 34 | $3,003,000 | $88,000 | $208,000 | $85,000 | $228,000 |
| Home Improvement | 17 | $385,000 | $22,000 | $68,000 | $47,000 | $80,000 |
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 | 65 | $4,252,000 | $65,000 | $208,000 | $71,000 | $228,000 |
| Not Provided | 10 | $615,000 | $61,000 | $179,000 | $33,000 | $95,000 |
| Hispanic | 8 | $380,000 | $47,000 | $76,000 | $43,000 | $83,000 |
| Black or African American | 4 | $102,000 | $25,000 | $60,000 | $38,000 | $60,000 |
| Not applicable | 3 | $124,000 | $41,000 | $65,000 | $0 | $0 |
| 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) | 89 | $5,429,000 | $61,000 | $208,000 | $61,000 | $228,000 |
| FHA-insured (Federal Housing Administration) | 1 | $44,000 | $44,000 | $44,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 35 | $1,736,000 | $49,000 | $196,000 | $64,000 | $210,000 |
| Application Denied By Financial Institution | 26 | $1,511,000 | $58,000 | $208,000 | $56,000 | $228,000 |
| Application Withdrawn By Applicant | 12 | $1,093,000 | $91,000 | $204,000 | $102,000 | $200,000 |
| Loan Purchased By The Institution | 9 | $451,000 | $50,000 | $76,000 | $10,000 | $49,000 |
| File Closed For Incompleteness | 5 | $214,000 | $42,000 | $60,000 | $27,000 | $58,000 |
| Application Approved But Not Accepted | 3 | $468,000 | $156,000 | $208,000 | $91,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 4 | $305,000 | $76,000 | $101,000 | $59,000 | $92,000 |
| Collateral | 3 | $477,000 | $159,000 | $208,000 | $107,000 | $132,000 |
| Credit History | 3 | $26,000 | $8,000 | $10,000 | $36,000 | $52,000 |
| Credit Application Incomplete | 1 | $50,000 | $50,000 | $50,000 | $59,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $50,000 | $50,000 | $50,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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