Irion County, TX Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 61 mortgage applications in Irion County, TX totaling $8.1 million, up 2% from 2013. The average application was for $132,000, and applicants reported an average income of $122,000. 57% of applications resulted in an originated loan and 16% were denied. The most active lender was First National Bank of Mertzon, the, with 18 applications, followed by 21st Mortgage and The First National Bank of Sonora.
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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 | 61 |
| Total Mortgage Loan Application Amount | $8,063,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $122,000 |
| Highest Applicant Income | $1,093,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First National Bank of Mertzon, the P O BOX 589 MERTZON, TX 76941 |
* | $ 362,464,000 | 18 | $ 1,189,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 12 | $ 953,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 339,642,000 | 3 | $ 504,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 3 | $ 413,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 392,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 190,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 127,000 |
| Texas State Bank 2201 SHERWOOD WAY SAN ANGELO, TX 76901 |
* | $ 235,508,000 | 2 | $ 418,000 |
| The First National Bank of Ballinger 911 HUTCHINGS AVE BALLINGER, TX 76821 |
* | $ 140,327,000 | 2 | $ 108,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 598,835,000 | 1 | $ 88,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 201,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 1 | $ 50,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 5,194,987,000 | 1 | $ 127,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 242,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 40,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 1 | $ 269,000 |
| Crockett National Bank 8018 BROADWAY STE 200 SAN ANTONIO, TX 78209 |
* | $ 440,149,000 | 1 | $ 422,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 167,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 90,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 267,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ 86,987,000 | 1 | $ 1,600,000 |
The tables below break down 2014 mortgage applications in Irion 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 Irion County, TX in 2014
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 | 40 | $6,063,000 | $151,000 | $1,600,000 | $134,000 | $1,093,000 |
| Refinancing | 18 | $1,915,000 | $106,000 | $269,000 | $108,000 | $290,000 |
| Home Improvement | 3 | $85,000 | $28,000 | $50,000 | $48,000 | $72,000 |
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 | 51 | $5,687,000 | $111,000 | $422,000 | $121,000 | $1,093,000 |
| Hispanic | 6 | $1,993,000 | $332,000 | $1,600,000 | $160,000 | $656,000 |
| Not Provided | 4 | $383,000 | $95,000 | $201,000 | $72,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 55 | $7,282,000 | $132,000 | $1,600,000 | $129,000 | $1,093,000 |
| FHA-insured (Federal Housing Administration) | 4 | $557,000 | $139,000 | $167,000 | $63,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 2 | $224,000 | $112,000 | $112,000 | $48,000 | $48,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | $5,509,000 | $157,000 | $1,600,000 | $154,000 | $1,093,000 |
| Application Approved But Not Accepted | 10 | $826,000 | $82,000 | $109,000 | $78,000 | $140,000 |
| Application Denied By Financial Institution | 10 | $701,000 | $70,000 | $201,000 | $65,000 | $100,000 |
| Loan Purchased By The Institution | 4 | $695,000 | $173,000 | $267,000 | $103,000 | $212,000 |
| Application Withdrawn By Applicant | 2 | $332,000 | $166,000 | $242,000 | $101,000 | $104,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $409,000 | $102,000 | $201,000 | $60,000 | $100,000 |
| Collateral | 1 | $94,000 | $94,000 | $94,000 | $91,000 | $91,000 |
| Credit History | 1 | $32,000 | $32,000 | $32,000 | $100,000 | $100,000 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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