In 2008, lenders reported 400 mortgage applications in Lavaca County, TX totaling $39.1 million, down 21% from 2007. The average application was for $97,000, and applicants reported an average income of $80,000. 37% of applications resulted in an originated loan and 30% were denied. The most active lender was Wells Fargo Bank, NA, with 67 applications, followed by Tdecu and Citifinancial Inc.
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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 | 400 |
| Total Mortgage Loan Application Amount | $39,144,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $1,722,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 67 | $ 6,031,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 1,222,897,000 | 33 | $ 3,624,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 23 | $ 974,000 |
| Southstar Bank SSB 100 S. MAIN MOULTON, TX 77975 |
* | $ 134,951,000 | 22 | $ 1,300,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 20 | $ 343,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 19 | $ 2,888,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 17 | $ 671,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 2,069,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 6,357,701,000 | 12 | $ 700,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 938,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 2,952,342,000 | 10 | $ 387,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 10 | $ 1,415,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 1,708,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 973,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 1,158,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 7 | $ 308,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 1,262,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 6 | $ 582,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 5 | $ 255,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 4 | $ 54,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 4 | $ 126,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 4 | $ 237,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 43,810,702,000 | 3 | $ 235,000 |
| Sage Capital Bank, N. A. 1606 N SARAH DEWITT DRIVE GONZALES, TX 78629 |
* | $ 219,349,000 | 3 | $ 262,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 410,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 3 | $ 281,000 |
| Certified Funding, L.P. 17304 PRESTON RD STE 620 DALLAS, TX 75252 |
* | $ 10,000,000 | 2 | $ 244,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 439,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 191,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 374,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 16,047,364,000 | 2 | $ 1,230,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 2 | $ 128,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 478,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 2 | $ 315,000 |
| Trusttexas Bank, SSB 121 E COURTHOUSE ST, P O BOX 808 CUERO, TX 77954 |
* | $ 146,897,000 | 2 | $ 449,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 422,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 342,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 192,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 132,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 168,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 1 | $ 63,000 |
| Texas First Bank 3000 FM 1764 LAMARQUE, TX 77568 |
* | $ 211,928,000 | 1 | $ 115,000 |
| First Community Bank 416 N WATER ST CORPUS CHRISTI, TX 78401 |
* | $ 179,466,000 | 1 | $ 256,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 132,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 14,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Amegy Mortgage Company, L.L.C 4576 RESEARCH FOREST BLVD THE WOODLANDS, TX 77381 |
* | $ 31,000,000 | 1 | $ 50,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 1 | $ 337,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 31,000 |
| Omnibank, N.A. 397 N. SAM HOUSTON PARKWAY EAST HOUSTON, TX 77060 |
* | $ 363,714,000 | 1 | $ 135,000 |
| Central National Bank 8320 W HWY 84 WACO, TX 76712 |
* | $ 490,212,000 | 1 | $ 89,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 311,937,000 | 1 | $ 116,000 |
| Frost National Bank 100 W. HOUSTON T-5 SAN ANTONIO, TX 78205 |
* | $ 13,632,996,000 | 1 | $ 35,000 |
| Newfirst National Bank 202 E. JACKSON ST. EL CAMPO, TX 77437 |
* | $ 307,796,000 | 1 | $ 56,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 1 | $ 446,000 |
| First Victoria National Bank 101 S MAIN VICTORIA, TX 77901 |
* | $ 1,320,811,000 | 1 | $ 210,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 490,140,000 | 1 | $ 75,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 14,762,983,000 | 1 | $ 94,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 110,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 553,741,000 | 1 | $ 9,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Coastal Bend Mortgage, Inc. 5656 S. STAPLES #200 CORPUS CHRISTI, TX 78411 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 4,376,581,000 | 1 | $ 62,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,187,800,000 | 1 | $ 40,000 |
| Fort Worth Community Credit Union 1905 FOREST RIDGE DR BEDFORD, TX 76021 |
* | $ 622,605,000 | 1 | $ 191,000 |
| Classic Home Financial, Inc. 10700 RICHMOND AVENUE #150 HOUSTON, TX 77042 |
* | $ 428,000,000 | 1 | $ 87,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Alethes, LLC 8601 RR 2222 SUITE 1-150 AUSTIN, TX 78730 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Wallick and Volk 222 EAST 18TH CHEYENNE, WY 82001 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 240,000 |
| Hometrust Mortgage Company 5353 W. ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 410,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 150,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 122,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 219,000 |
| Aaa Worldwide Financial Co. 5057 KELLER SPRINGS RD, STE 300 ADDISON, TX 75001 |
* | $ 10,000,000 | 1 | $ 116,000 |
The tables below break down 2008 mortgage applications in Lavaca County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 162 | $19,468,000 | $120,000 | $650,000 | $94,000 | $1,722,000 |
| Refinancing | 155 | $17,225,000 | $111,000 | $509,000 | $76,000 | $886,000 |
| Home Improvement | 83 | $2,451,000 | $29,000 | $330,000 | $59,000 | $232,000 |
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 | 285 | $29,954,000 | $105,000 | $650,000 | $85,000 | $1,722,000 |
| Not Provided | 48 | $3,769,000 | $78,000 | $311,000 | $96,000 | $886,000 |
| Hispanic | 35 | $2,534,000 | $72,000 | $256,000 | $49,000 | $200,000 |
| Not applicable | 16 | $1,810,000 | $113,000 | $412,000 | $42,000 | $200,000 |
| Black or African American | 14 | $566,000 | $40,000 | $100,000 | $38,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $511,000 | $255,000 | $363,000 | $90,000 | $116,000 |
| 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) | 366 | $34,464,000 | $94,000 | $650,000 | $81,000 | $1,722,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,263,000 | $113,000 | $173,000 | $61,000 | $200,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,289,000 | $190,000 | $412,000 | $92,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $128,000 | $64,000 | $64,000 | $17,000 | $34,000 |
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 | 149 | $15,461,000 | $103,000 | $446,000 | $92,000 | $1,722,000 |
| Application Denied By Financial Institution | 119 | $8,641,000 | $72,000 | $650,000 | $66,000 | $252,000 |
| Application Withdrawn By Applicant | 55 | $6,187,000 | $112,000 | $509,000 | $100,000 | $886,000 |
| Loan Purchased By The Institution | 42 | $6,131,000 | $145,000 | $412,000 | $61,000 | $200,000 |
| Application Approved But Not Accepted | 27 | $2,259,000 | $83,000 | $292,000 | $60,000 | $221,000 |
| File Closed For Incompleteness | 7 | $315,000 | $45,000 | $90,000 | $59,000 | $144,000 |
| Preapproval Denied by Financial Institution | 1 | $150,000 | $150,000 | $150,000 | $242,000 | $242,000 |
| Preapproval Approved but not Accepted | 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 | 44 | $1,529,000 | $34,000 | $148,000 | $60,000 | $232,000 |
| Collateral | 10 | $947,000 | $94,000 | $165,000 | $87,000 | $252,000 |
| Other | 8 | $733,000 | $91,000 | $180,000 | $48,000 | $127,000 |
| Debt-To-Income Ratio | 7 | $1,484,000 | $212,000 | $650,000 | $56,000 | $168,000 |
| Credit Application Incomplete | 4 | $1,052,000 | $263,000 | $580,000 | $116,000 | $203,000 |
| Employment History | 1 | $87,000 | $87,000 | $87,000 | $50,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $32,000 | $32,000 | $32,000 | $26,000 | $26,000 |
| Mortgage Insurance Denied | 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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