Citizens Mortgage Company Mortgage Lending & HMDA Data, 2006
In 2006, Citizens Mortgage Company of Waco, TX reported 993 mortgage applications totaling $117.6 million. The average application was for $118,390, and applicants reported an average income of $76,715. 84% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Waco, TX (194), Tulsa, OK (165) and Dallas-Plano-Irving, TX (157) (applications in parentheses).
| Mortgage Company & Address | Citizens Mortgage Company 800 Washington Ave Waco, TX 76701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 |
| Total Number of Mortgage Applications | 993 |
| Total Mortgage Loan Application Amount | $117,562,000 |
| Average Mortgage Loan Application Amount | $118,390 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $76,715 |
| Highest Applicant Income | $1,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Citizens Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| McLennan, Texas | 194 | $ 20,696,000 | $ 106,680 | $ 67,000 |
| Victoria, Texas | 121 | $ 12,681,000 | $ 104,801 | $ 62,000 |
| Dallas, Texas | 112 | $ 11,432,000 | $ 102,071 | $ 52,000 |
| Tulsa, Oklahoma | 106 | $ 10,532,000 | $ 99,358 | $ 110,000 |
| Tarrant, Texas | 65 | $ 7,937,000 | $ 122,107 | $ 90,000 |
| Bell, Texas | 58 | $ 9,846,000 | $ 169,758 | $ 78,000 |
| Brazos, Texas | 48 | $ 6,014,000 | $ 125,291 | $ 81,000 |
| Bexar, Texas | 39 | $ 5,428,000 | $ 139,179 | $ 117,000 |
| Rogers, Oklahoma | 31 | $ 2,708,000 | $ 87,354 | $ 59,000 |
| Wagoner, Oklahoma | 27 | $ 2,916,000 | $ 108,000 | $ 77,000 |
| Denton, Texas | 18 | $ 2,326,000 | $ 129,222 | $ 75,000 |
| Guadalupe, Texas | 15 | $ 1,839,000 | $ 122,600 | $ 79,000 |
| Collin, Texas | 14 | $ 1,598,000 | $ 114,142 | $ 78,000 |
| Travis, Texas | 11 | $ 2,029,000 | $ 184,454 | $ 78,000 |
| Calhoun, Texas | 8 | $ 752,000 | $ 94,000 | $ 64,000 |
| Ellis, Texas | 8 | $ 1,033,000 | $ 129,125 | $ 51,000 |
| Williamson, Texas | 8 | $ 1,589,000 | $ 198,625 | $ 150,000 |
| Coryell, Texas | 7 | $ 1,070,000 | $ 152,857 | $ 86,000 |
| Washington, Texas | 7 | $ 898,000 | $ 128,285 | $ 57,000 |
| Comal, Texas | 6 | $ 1,297,000 | $ 216,166 | $ 144,000 |
| Falls, Texas | 6 | $ 903,000 | $ 150,500 | $ 69,000 |
| DeWitt, Texas | 5 | $ 440,000 | $ 88,000 | $ 44,000 |
| Harris, Texas | 5 | $ 586,000 | $ 117,200 | $ 76,000 |
| Kendall, Texas | 5 | $ 1,768,000 | $ 353,600 | $ 183,000 |
| Brazoria, Texas | 4 | $ 571,000 | $ 142,750 | $ 88,000 |
| Limestone, Texas | 4 | $ 289,000 | $ 72,250 | $ 50,000 |
| Bosque, Texas | 3 | $ 293,000 | $ 97,666 | $ 81,000 |
| Goliad, Texas | 3 | $ 200,000 | $ 66,666 | $ 61,000 |
| Jackson, Texas | 3 | $ 225,000 | $ 75,000 | $ 42,000 |
| Kaufman, Texas | 3 | $ 612,000 | $ 204,000 | $ 85,000 |
| Smith, Texas | 3 | $ 360,000 | $ 120,000 | $ 44,000 |
| Wharton, Texas | 3 | $ 432,000 | $ 144,000 | $ 41,000 |
| Wilson, Texas | 3 | $ 430,000 | $ 143,333 | $ 123,000 |
| Aransas, Texas | 2 | $ 175,000 | $ 87,500 | $ 163,000 |
| Fort Bend, Texas | 2 | $ 783,000 | $ 391,500 | $ 144,000 |
| Hays, Texas | 2 | $ 586,000 | $ 293,000 | $ 71,000 |
| Hunt, Texas | 2 | $ 169,000 | $ 84,500 | $ 35,000 |
| Johnson, Texas | 2 | $ 252,000 | $ 126,000 | $ 49,000 |
| Tyler, Texas | 2 | $ 135,000 | $ 67,500 | $ 27,000 |
| Wichita, Texas | 2 | $ 323,000 | $ 161,500 | $ 132,000 |
| Oklahoma, Oklahoma | 1 | $ 52,000 | $ 52,000 | $ 88,000 |
| Osage, Oklahoma | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Ottawa, Oklahoma | 1 | $ 192,000 | $ 192,000 | $ 113,000 |
| Washington, Oklahoma | 1 | $ 129,000 | $ 129,000 | $ 54,000 |
| Angelina, Texas | 1 | $ 185,000 | $ 185,000 | $ 123,000 |
| Atascosa, Texas | 1 | $ 210,000 | $ 210,000 | $ 70,000 |
| Austin, Texas | 1 | $ 211,000 | $ 211,000 | $ 121,000 |
| Bastrop, Texas | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Freestone, Texas | 1 | $ 121,000 | $ 121,000 | $ 99,000 |
| Gregg, Texas | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Hamilton, Texas | 1 | $ 261,000 | $ 261,000 | $ 253,000 |
| Henderson, Texas | 1 | $ 134,000 | $ 134,000 | $ 56,000 |
| Hill, Texas | 1 | $ 219,000 | $ 219,000 | $ 109,000 |
| Hopkins, Texas | 1 | $ 62,000 | $ 62,000 | $ 77,000 |
| Jasper, Texas | 1 | $ 120,000 | $ 120,000 | $ 64,000 |
| Jim Wells, Texas | 1 | $ 131,000 | $ 131,000 | $ 70,000 |
| Kleberg, Texas | 1 | $ 130,000 | $ 130,000 | $ 102,000 |
| Lampasas, Texas | 1 | $ 43,000 | $ 43,000 | $ 46,000 |
| Lubbock, Texas | 1 | $ 119,000 | $ 119,000 | $ 50,000 |
| Madison, Texas | 1 | $ 180,000 | $ 180,000 | $ 42,000 |
| Midland, Texas | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Polk, Texas | 1 | $ 111,000 | $ 111,000 | $ 58,000 |
| Refugio, Texas | 1 | $ 181,000 | $ 181,000 | $ 135,000 |
| Taylor, Texas | 1 | $ 93,000 | $ 93,000 | $ 43,000 |
| Van Zandt, Texas | 1 | $ 129,000 | $ 129,000 | $ 84,000 |
| Young, Texas | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Citizens Mortgage Company in 2006
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 | 899 | $100,780,000 | $112,000 | $375,000 | $74,000 | $1,000,000 |
| Refinancing | 93 | $16,614,000 | $178,000 | $950,000 | $103,000 | $476,000 |
| Home Improvement | 1 | $168,000 | $168,000 | $168,000 | $73,000 | $73,000 |
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 | 695 | $83,102,000 | $119,000 | $950,000 | $82,000 | $1,000,000 |
| Hispanic | 135 | $14,264,000 | $105,000 | $374,000 | $56,000 | $163,000 |
| Black or African American | 91 | $11,357,000 | $124,000 | $250,000 | $64,000 | $342,000 |
| Not Provided | 54 | $6,469,000 | $119,000 | $417,000 | $75,000 | $216,000 |
| Asian | 10 | $1,670,000 | $167,000 | $269,000 | $100,000 | $360,000 |
| American Indian or Alaskan Native | 7 | $604,000 | $86,000 | $161,000 | $85,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $96,000 | $96,000 | $96,000 | $76,000 | $76,000 |
| Not applicable | 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) | 544 | $63,670,000 | $117,000 | $950,000 | $91,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 344 | $37,824,000 | $109,000 | $195,000 | $54,000 | $343,000 |
| VA-guaranteed (Veterans Administration) | 103 | $15,811,000 | $153,000 | $312,000 | $75,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $257,000 | $128,000 | $135,000 | $35,000 | $40,000 |
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 | 837 | $98,533,000 | $117,000 | $950,000 | $75,000 | $846,000 |
| Application Withdrawn By Applicant | 117 | $14,178,000 | $121,000 | $437,000 | $87,000 | $846,000 |
| Application Denied By Financial Institution | 26 | $3,138,000 | $120,000 | $225,000 | $64,000 | $172,000 |
| File Closed For Incompleteness | 7 | $720,000 | $102,000 | $137,000 | $57,000 | $101,000 |
| Application Approved But Not Accepted | 6 | $993,000 | $165,000 | $285,000 | $224,000 | $1,000,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Credit History | 5 | $711,000 | $142,000 | $225,000 | $39,000 | $83,000 |
| Debt-To-Income Ratio | 2 | $155,000 | $77,000 | $127,000 | $104,000 | $172,000 |
| Employment History | 2 | $187,000 | $93,000 | $138,000 | $39,000 | $52,000 |
| Unverifiable Information | 2 | $253,000 | $126,000 | $208,000 | $87,000 | $144,000 |
| Other | 1 | $144,000 | $144,000 | $144,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $58,000 | $58,000 | $58,000 | $19,000 | $19,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Citizens Mortgage Company's 2006 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Citizens Mortgage Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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