Hemphill County, TX Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 91 mortgage applications in Hemphill County, TX totaling $9.7 million, down 29% from 2009. The average application was for $106,000, and applicants reported an average income of $77,000. 38% of applications resulted in an originated loan and 26% were denied. The most active lender was Happy State Bank, with 22 applications, followed by Bank of America, N.A. and Amarillo National Bank.
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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 | 91 |
| Total Mortgage Loan Application Amount | $9,658,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $257,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $256,000 |
| 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 |
* | $ 1,320,666,000 | 22 | $ 2,051,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 9 | $ 1,006,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 2,792,382,000 | 8 | $ 1,043,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 472,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 115,838,000 | 6 | $ 621,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 5 | $ 473,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 5 | $ 542,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 4 | $ 371,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 455,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 184,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 2 | $ 183,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 168,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 2 | $ 164,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 701,647,000 | 1 | $ 140,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 496,617,000 | 1 | $ 16,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 94,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 216,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 147,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 93,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 143,000 |
| Lubbock National Bank 4811 50TH LUBBOCK, TX 79414 |
* | $ 715,690,000 | 1 | $ 140,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 84,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 1,987,814,000 | 1 | $ 93,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 721,544,000 | 1 | $ 245,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 58,000 |
The tables below break down 2010 mortgage applications in Hemphill 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 Hemphill County, TX in 2010
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 | 53 | $5,994,000 | $113,000 | $257,000 | $62,000 | $185,000 |
| Refinancing | 30 | $3,288,000 | $109,000 | $243,000 | $101,000 | $256,000 |
| Home Improvement | 8 | $376,000 | $47,000 | $188,000 | $90,000 | $158,000 |
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 | 71 | $8,079,000 | $113,000 | $257,000 | $84,000 | $256,000 |
| Hispanic | 10 | $581,000 | $58,000 | $109,000 | $59,000 | $185,000 |
| Not Provided | 7 | $716,000 | $102,000 | $243,000 | $52,000 | $90,000 |
| Not applicable | 2 | $230,000 | $115,000 | $128,000 | $0 | $0 |
| Black or African American | 1 | $52,000 | $52,000 | $52,000 | $96,000 | $96,000 |
| 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) | 64 | $6,566,000 | $102,000 | $257,000 | $86,000 | $256,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,898,000 | $118,000 | $242,000 | $60,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,084,000 | $108,000 | $145,000 | $51,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 1 | $110,000 | $110,000 | $110,000 | $48,000 | $48,000 |
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 | 35 | $3,234,000 | $92,000 | $215,000 | $78,000 | $256,000 |
| Application Denied By Financial Institution | 24 | $2,594,000 | $108,000 | $257,000 | $72,000 | $214,000 |
| Loan Purchased By The Institution | 15 | $1,709,000 | $113,000 | $189,000 | $77,000 | $256,000 |
| Application Approved But Not Accepted | 8 | $1,019,000 | $127,000 | $243,000 | $89,000 | $185,000 |
| Application Withdrawn By Applicant | 6 | $656,000 | $109,000 | $162,000 | $75,000 | $114,000 |
| File Closed For Incompleteness | 3 | $446,000 | $148,000 | $188,000 | $80,000 | $120,000 |
| 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 | 7 | $431,000 | $61,000 | $99,000 | $58,000 | $84,000 |
| Collateral | 3 | $522,000 | $174,000 | $241,000 | $133,000 | $214,000 |
| Debt-To-Income Ratio | 2 | $170,000 | $85,000 | $95,000 | $86,000 | $120,000 |
| Employment History | 1 | $140,000 | $140,000 | $140,000 | $77,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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