Howard County, TX Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,164 mortgage applications in Howard County, TX totaling $218.2 million, down 18% from 2021. The average application was for $187,000, and applicants reported an average income of $93,000. 44% of applications resulted in an originated loan and 18% were denied. The most active lender was Primary Residential Mortgage, Inc., with 93 applications, followed by Lrs Financial Network dba Hnb Mortgage and Lakeview Loan Servicing, 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 1,164
Total Mortgage Loan Application Amount $218,200,000
Average Mortgage Loan Application Amount $187,000
Highest Mortgage Loan Application Amount $17,875,000
Average Applicant Income $93,000
Highest Applicant Income $676,000

Mortgage Company List for Lending in Howard County, TX for 2022

* 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
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 93 $ 12,615,000
Lrs Financial Network dba Hnb Mortgage
2101 W. WADLEY STE. 36
MIDLAND, TX 79705
* $ -1,000 70 $ 12,670,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 70 $ 7,830,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 67 $ 9,435,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 37,833,980,000 42 $ 10,280,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 42 $ 7,940,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 35 $ 6,805,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 33 $ 6,035,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 32 $ 6,830,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 29 $ 5,825,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 28 $ 5,640,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 25 $ 21,555,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 16 $ 3,350,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 15 $ 2,495,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 14 $ 1,890,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 13 $ 2,525,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 13 $ 2,085,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 12 $ 810,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 12 $ 1,980,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 12 $ 2,930,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 11 $ 975,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 11 $ 1,955,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 10 $ 1,470,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 10 $ 1,810,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 10 $ 1,180,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 1,390,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 9 $ 2,575,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 9 $ 1,845,000
Complex Community Federal CU
2201 S GRANDVIEW
ODESSA, TX 79766
* $ 633,376,000 9 $ 1,065,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 8 $ 1,250,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 8 $ 1,520,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 1,700,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 8 $ 1,370,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 7 $ 1,135,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 13,062,060,000 7 $ 765,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 1,325,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,215,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ -1,000 7 $ 1,235,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 6 $ 1,220,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 6 $ 1,160,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 6 $ 1,530,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 1,310,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 6 $ 580,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 1,320,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 6 $ 910,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 6 $ 1,000,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 1,210,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 1,025,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 5 $ 585,000
Western Bank
5701 82ND ST
LUBBOCK, TX 79401
* $ 414,424,000 5 $ 595,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 5 $ 335,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 4 $ 730,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 4 $ 500,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 4 $ 1,300,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ 50,953,666,000 4 $ 260,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 4 $ 480,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 680,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 370,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 130,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 640,000
First Bank & Trust
9816 SLIDE RD.
LUBBOCK, TX 79424
* $ 2,880,699,000 4 $ 200,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 4 $ 540,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 970,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 485,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 405,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 365,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 3 $ 385,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 3 $ 355,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 415,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 3 $ 405,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 3 $ 495,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 14,773,617,000 3 $ 145,000
Premier Lending Inc.

CHARLOTTE, NC 28277
* $ -1,000 3 $ 705,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 545,000
West Texas National Bank
6 DESTA DRIVE STE 2400
MIDLAND, TX 79705
* $ 1,803,065,000 3 $ 905,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 3 $ 535,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 320,000
Texas Mortgage Lending, LLC
12515 RESEARCH BLVD BUILDING 5
AUSTIN, TX 78759
* $ -1,000 2 $ 380,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 260,000
Black Hills Federal Credit Union
PO BOX 1420-225 MAIN ST
RAPID CITY, SD 57702
* $ 1,952,365,000 2 $ 490,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 2 $ 350,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 2 $ 430,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 2 $ 380,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 320,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 380,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 200,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 460,000
Aspire Financial, Inc.
4100 ALPHA ROAD SUITE 400
DALLAS, TX 75244
* $ -1,000 2 $ 200,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 2 $ 430,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 220,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 490,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 2 $ 270,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 2 $ 500,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 10,485,573,000 2 $ 250,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 2 $ 520,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,415,583,000 2 $ 540,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 2 $ 530,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 1 $ 4,045,000
Texasbank
400 FISK AVE
BROWNWOOD, TX 76801
* $ 722,256,000 1 $ 95,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 18,017,667,000 1 $ 205,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 205,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 425,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 95,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 385,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 175,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 205,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 1 $ 105,000
Trinity Oaks Mortgage
204A N I35E
RED OAK, TX 75154
* $ -1,000 1 $ 145,000
Vista Bank
5840 W NORTHWEST HWY
DALLAS, TX 75225
* $ 1,353,530,000 1 $ 325,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 235,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 1 $ 75,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 275,000
Alliance Credit Union
8401 QUAKER AVE
LUBBOCK, TX 79424
* $ 393,102,000 1 $ 295,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,565,203,000 1 $ 195,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 125,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 95,000
H-E-B Federal Credit Union
4630 N LOOP 1604 W, SUITE 101
SAN ANTONIO, TX 78278
* $ 221,759,000 1 $ 55,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 1 $ 305,000
Aml Funding LLC dba Absolute Mortgage & Lending
4230 LYNDON B JOHNSON FWY #626
DALLAS, TX 75244
* $ -1,000 1 $ 105,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 165,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 285,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 93,199,669,000 1 $ 35,000
First National Bank and Trust
220 PALO PINTO ST
WEATHERFORD, TX 76086
* $ 938,417,000 1 $ 335,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ 7,872,806,000 1 $ 155,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 395,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 3,832,697,000 1 $ 75,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 65,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ -1,000 1 $ 305,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 349,214,000 1 $ 245,000
Loanpeople, LLC
3420 EXECUTIVE CENTER DR #G100
AUSTIN, TX 78731
* $ -1,000 1 $ 165,000
New Era Mortgage Services Inc
1500 S DAIRY ASHFORD RD SUITE 363
HOUSTON, TX 77063
* $ -1,000 1 $ 125,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 105,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 295,000
Shelby
111 SELMA ST
CENTER, TX 75935
* $ 363,077,000 1 $ 115,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 145,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 1 $ 215,000
Community National Bank
401 W. TEXAS AVE.
MIDLAND, TX 79701
* $ 1,699,576,000 1 $ 85,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 1 $ 175,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 155,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 1 $ 185,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 50,093,398,000 1 $ 15,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 185,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 1 $ 125,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 85,000
Certified Funding, L.P.
17304 PRESTON RD STE 620
DALLAS, TX 75252
* $ -1,000 1 $ 35,000
Castle Mortgage Corporation
10251 VISTA SORRENTO PKWY, STE. 225
WILMINGTON, DE 92121
* $ -1,000 1 $ 135,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 305,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 3,899,486,000 1 $ 75,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 9,291,812,000 1 $ 65,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 225,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 1 $ 95,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ -1,000 1 $ 95,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 1 $ 145,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 1 $ 275,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 4,465,477,000 1 $ 65,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ -1,000 1 $ 365,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 165,000
Texas Tech Federal Credit Union
4005 98TH STREET
LUBBOCK, TX 79409
* $ 330,402,000 1 $ 275,000

The tables below break down 2022 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 2022

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 814 $161,560,000 $198,000 $17,875,000 $95,000 $676,000
Cash-out Refinancing 164 $25,340,000 $154,000 $405,000 $89,000 $263,000
Refinancing 120 $24,910,000 $207,000 $4,045,000 $88,000 $258,000
Other Purpose 32 $3,160,000 $98,000 $505,000 $101,000 $368,000
Home Improvement 29 $2,615,000 $90,000 $305,000 $91,000 $303,000
Not Applicable 5 $615,000 $123,000 $245,000 $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 533 $94,865,000 $177,000 $2,005,000 $98,000 $676,000
Hispanic 267 $39,645,000 $148,000 $405,000 $76,000 $213,000
Not applicable 216 $58,190,000 $269,000 $17,875,000 $129,000 $206,000
Not Provided 102 $17,930,000 $175,000 $565,000 $104,000 $279,000
Black or African American 20 $2,760,000 $138,000 $275,000 $78,000 $123,000
Asian 15 $2,945,000 $196,000 $555,000 $112,000 $325,000
American Indian or Alaskan Native 7 $1,345,000 $192,000 $275,000 $102,000 $168,000
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) 756 $138,330,000 $182,000 $17,875,000 $98,000 $676,000
FHA-insured (Federal Housing Administration) 315 $60,225,000 $191,000 $4,045,000 $76,000 $213,000
VA-guaranteed (Veterans Administration) 90 $19,470,000 $216,000 $515,000 $104,000 $340,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $175,000 $58,000 $85,000 $64,000 $86,000

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 508 $108,860,000 $214,000 $17,875,000 $96,000 $676,000
Loan Purchased By The Institution 207 $36,585,000 $176,000 $515,000 $126,000 $676,000
Application Denied By Financial Institution 207 $31,135,000 $150,000 $2,005,000 $84,000 $416,000
Application Withdrawn By Applicant 162 $28,810,000 $177,000 $545,000 $93,000 $368,000
File Closed For Incompleteness 45 $6,605,000 $146,000 $415,000 $85,000 $187,000
Application Approved But Not Accepted 30 $5,160,000 $172,000 $435,000 $82,000 $250,000
Preapproval Approved but not Accepted 5 $1,045,000 $209,000 $285,000 $109,000 $279,000
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 949 $185,975,000 $195,000 $17,875,000 $95,000 $676,000
Credit History 90 $11,660,000 $129,000 $405,000 $79,000 $173,000
Debt-To-Income Ratio 44 $9,010,000 $204,000 $2,005,000 $86,000 $416,000
Credit Application Incomplete 24 $3,680,000 $153,000 $565,000 $109,000 $275,000
Collateral 22 $3,380,000 $153,000 $365,000 $86,000 $197,000
Other 17 $2,055,000 $120,000 $245,000 $90,000 $263,000
Unverifiable Information 8 $970,000 $121,000 $165,000 $95,000 $150,000
Insufficient Cash (Downpayment, Closing Cost) 8 $960,000 $120,000 $245,000 $87,000 $161,000
Employment History 2 $510,000 $255,000 $435,000 $63,000 $100,000
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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