Howard County, TX Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 642 mortgage applications in Howard County, TX totaling $58.4 million, down 32% from 2009. The average application was for $90,000, and applicants reported an average income of $63,000. 34% of applications resulted in an originated loan and 19% were denied. The most active lender was JPMorgan Chase Bank, NA, with 125 applications, followed by Wells Fargo Bank, NA and American State 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 | 642 |
| Total Mortgage Loan Application Amount | $58,368,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $373,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $2,376,000 |
* 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 |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 125 | $ 12,877,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 81 | $ 5,876,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 2,404,212,000 | 56 | $ 4,244,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 46 | $ 4,787,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 376,470,000 | 27 | $ 2,810,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 20 | $ 1,499,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 19 | $ 1,824,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 64,608,091,000 | 19 | $ 1,498,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 18 | $ 1,839,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 17 | $ 1,970,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 15 | $ 1,732,000 |
| Western Bank 5701 82ND ST LUBBOCK, TX 79401 |
* | $ 197,460,000 | 11 | $ 665,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 10 | $ 272,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 618,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 8 | $ 796,000 |
| Lone Star State Bank of West Texas 6220 MILWAUKEE AVENUE LUBBOCK, TX 79424 |
* | $ 338,652,000 | 7 | $ 230,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 6 | $ 409,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ 553,412,000 | 6 | $ 515,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 5 | $ 327,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 386,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 598,000 |
| Pioneer Mortgage Company 3000 N. MAIN ST./P. O. BOX 130 ROSWELL, NM 88201 |
* | $ 226,357,000 | 5 | $ 497,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 5 | $ 494,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 5 | $ 492,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 4 | $ 437,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 4 | $ 385,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 4 | $ 353,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 4 | $ 778,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 4 | $ 300,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 231,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 3 | $ 318,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 3 | $ 250,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 361,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 176,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 3 | $ 135,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 327,000 |
| America's Choice Home Loans LP 8584 KATY FREEWAY, STE 200 HOUSTON, TX 77024 |
* | $ 8,352,000 | 2 | $ 312,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 2 | $ 288,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 2 | $ 42,000 |
| First Financial Bank N.A. Sw 201 ELM STREET SWEETWATER, TX 79556 |
* | $ 133,340,000 | 2 | $ 40,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 93,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 287,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 81,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 91,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,402,014,000 | 2 | $ 106,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 2 | $ 224,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 267,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 1 | $ 125,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 266,952,000 | 1 | $ 85,000 |
| Navy Army Ccu 5725 SPOHN DRIVE CORPUS, TX 78414 |
* | $ 926,307,000 | 1 | $ 61,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 63,000 |
| Associated Credit Union of Tx 1095 W LEAGUE CITY PKWY LEAGUE CITY, TX 77573 |
* | $ 297,607,000 | 1 | $ 65,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,005,780,000 | 1 | $ 51,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 97,000 |
| Mortgage Solutions of Co, LLC 5455 N UNION BLVD # 105 COLORADO SPRINGS, CO 80918 |
* | $ 10,000,000 | 1 | $ 72,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 153,000 |
| Hometrust Mortgage Company 5353 W. ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 98,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 193,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 11,000,000 | 1 | $ 92,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 141,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 88,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 479,800,000 | 1 | $ 301,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 2,792,382,000 | 1 | $ 29,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 145,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ 79,830,000 | 1 | $ 68,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 47,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 612,256,000 | 1 | $ 193,000 |
| Vista Bank 5840 W NORTHWEST HWY DALLAS, TX 75225 |
* | $ 166,200,000 | 1 | $ 95,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 8,000 |
| Affiliated Bank 500 HARWOOD RD BEDFORD, TX 76021 |
* | $ 164,626,000 | 1 | $ 74,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,042,946,000 | 1 | $ 163,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,161,361,000,000 | 1 | $ 25,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 1,087,452,000 | 1 | $ 122,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 75,000 |
| First National Bank of Waupaca 402 N. 8TH ST. MANITOWOC, WI 54221 |
* | $ 705,398,000 | 1 | $ 41,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 48,000 |
| West Texas National Bank 6 DESTA DRIVE STE 2400 MIDLAND, TX 79705 |
* | $ 552,196,000 | 1 | $ 120,000 |
| Colorado State Bank & Trust NA PO BOX 2300 TULSA, OK 74102 |
* | $ 1,313,163,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 144,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 109,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 104,000 |
The tables below break down 2010 mortgage applications in Howard 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 Howard 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 | 329 | $32,686,000 | $99,000 | $320,000 | $57,000 | $429,000 |
| Refinancing | 238 | $23,779,000 | $99,000 | $373,000 | $72,000 | $2,376,000 |
| Home Improvement | 75 | $1,903,000 | $25,000 | $175,000 | $62,000 | $480,000 |
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 | 414 | $39,116,000 | $94,000 | $341,000 | $74,000 | $2,376,000 |
| Hispanic | 96 | $6,962,000 | $72,000 | $319,000 | $55,000 | $246,000 |
| Not applicable | 74 | $6,707,000 | $90,000 | $373,000 | $0 | $35,000 |
| Not Provided | 46 | $4,394,000 | $95,000 | $218,000 | $82,000 | $500,000 |
| Black or African American | 9 | $872,000 | $96,000 | $218,000 | $79,000 | $245,000 |
| American Indian or Alaskan Native | 2 | $142,000 | $71,000 | $122,000 | $87,000 | $136,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $200,000 | $200,000 |
| 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) | 362 | $29,510,000 | $81,000 | $373,000 | $74,000 | $2,376,000 |
| FHA-insured (Federal Housing Administration) | 195 | $20,659,000 | $105,000 | $277,000 | $49,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $3,935,000 | $85,000 | $157,000 | $43,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 39 | $4,264,000 | $109,000 | $301,000 | $52,000 | $500,000 |
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 | 219 | $20,254,000 | $92,000 | $320,000 | $82,000 | $2,376,000 |
| Loan Purchased By The Institution | 212 | $22,331,000 | $105,000 | $373,000 | $47,000 | $284,000 |
| Application Denied By Financial Institution | 122 | $6,797,000 | $55,000 | $250,000 | $56,000 | $246,000 |
| Application Withdrawn By Applicant | 39 | $3,654,000 | $93,000 | $200,000 | $74,000 | $300,000 |
| Application Approved But Not Accepted | 33 | $3,364,000 | $101,000 | $290,000 | $59,000 | $121,000 |
| File Closed For Incompleteness | 17 | $1,968,000 | $115,000 | $230,000 | $58,000 | $143,000 |
| 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 | 54 | $2,076,000 | $38,000 | $173,000 | $53,000 | $246,000 |
| Collateral | 11 | $973,000 | $88,000 | $230,000 | $69,000 | $122,000 |
| Other | 10 | $695,000 | $69,000 | $152,000 | $72,000 | $200,000 |
| Debt-To-Income Ratio | 9 | $677,000 | $75,000 | $193,000 | $45,000 | $109,000 |
| Credit Application Incomplete | 3 | $243,000 | $81,000 | $137,000 | $90,000 | $120,000 |
| Unverifiable Information | 3 | $186,000 | $62,000 | $68,000 | $31,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $126,000 | $126,000 | $126,000 | $98,000 | $98,000 |
| Mortgage Insurance Denied | 1 | $29,000 | $29,000 | $29,000 | $30,000 | $30,000 |
| 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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