Extraco Mortgage Mortgage Lending & HMDA Data, 2007
In 2007, Extraco Mortgage of Waco, TX reported 1,904 mortgage applications totaling $240.0 million, up 5% from 2006. The average application was for $126,050, and applicants reported an average income of $77,112. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Killeen-Temple-Fort Hood, TX (322), Waco, TX (238) and Austin-Round Rock, TX (181) (applications in parentheses).
| Mortgage Company & Address | Extraco Mortgage 7503 Bosque Blvd Waco, TX 76712 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,904 |
| Total Mortgage Loan Application Amount | $240,001,000 |
| Average Mortgage Loan Application Amount | $126,050 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $77,112 |
| Highest Applicant Income | $900,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Extraco Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Bell, Texas | 288 | $ 37,950,000 | $ 131,770 | $ 85,000 |
| McLennan, Texas | 238 | $ 26,604,000 | $ 111,781 | $ 84,000 |
| Bryan, Oklahoma | 203 | $ 19,828,000 | $ 97,674 | $ 64,000 |
| Nueces, Texas | 157 | $ 22,260,000 | $ 141,783 | $ 74,000 |
| Williamson, Texas | 144 | $ 23,369,000 | $ 162,284 | $ 96,000 |
| Comal, Texas | 49 | $ 6,571,000 | $ 134,102 | $ 82,000 |
| Coryell, Texas | 33 | $ 3,386,000 | $ 102,606 | $ 68,000 |
| Guadalupe, Texas | 30 | $ 3,487,000 | $ 116,233 | $ 65,000 |
| Ocean, New Jersey | 28 | $ 6,042,000 | $ 215,785 | $ 80,000 |
| Grayson, Texas | 28 | $ 3,470,000 | $ 123,928 | $ 68,000 |
| Marshall, Oklahoma | 27 | $ 2,338,000 | $ 86,592 | $ 58,000 |
| Bernalillo, New Mexico | 25 | $ 5,547,000 | $ 221,880 | $ 113,000 |
| Travis, Texas | 22 | $ 4,106,000 | $ 186,636 | $ 109,000 |
| Comanche, Oklahoma | 20 | $ 2,455,000 | $ 122,750 | $ 76,000 |
| Randall, Texas | 20 | $ 2,894,000 | $ 144,700 | $ 73,000 |
| Bexar, Texas | 19 | $ 3,031,000 | $ 159,526 | $ 98,000 |
| Ector, Texas | 15 | $ 2,000,000 | $ 133,333 | $ 76,000 |
| Hays, Texas | 14 | $ 1,407,000 | $ 100,500 | $ 133,000 |
| Johnston, Oklahoma | 13 | $ 1,321,000 | $ 101,615 | $ 51,000 |
| Collin, Texas | 13 | $ 2,108,000 | $ 162,153 | $ 91,000 |
| Atoka, Oklahoma | 12 | $ 983,000 | $ 81,916 | $ 57,000 |
| McCurtain, Oklahoma | 10 | $ 1,132,000 | $ 113,200 | $ 56,000 |
| Tarrant, Texas | 10 | $ 1,167,000 | $ 116,700 | $ 59,000 |
| Hamilton, Texas | 9 | $ 552,000 | $ 61,333 | $ 34,000 |
| Harris, Texas | 9 | $ 1,530,000 | $ 170,000 | $ 116,000 |
| Milam, Texas | 8 | $ 606,000 | $ 75,750 | $ 64,000 |
| Essex, New Jersey | 7 | $ 2,069,000 | $ 295,571 | $ 62,000 |
| Dallas, Texas | 7 | $ 2,372,000 | $ 338,857 | $ 202,000 |
| Hill, Texas | 7 | $ 344,000 | $ 49,142 | $ 71,000 |
| San Patricio, Texas | 7 | $ 1,153,000 | $ 164,714 | $ 76,000 |
| Monmouth, New Jersey | 6 | $ 1,680,000 | $ 280,000 | $ 236,000 |
| McKinley, New Mexico | 6 | $ 1,050,000 | $ 175,000 | $ 108,000 |
| Choctaw, Oklahoma | 6 | $ 385,000 | $ 64,166 | $ 51,000 |
| Coal, Oklahoma | 6 | $ 481,000 | $ 80,166 | $ 52,000 |
| Brazos, Texas | 6 | $ 869,000 | $ 144,833 | $ 130,000 |
| Potter, Texas | 6 | $ 542,000 | $ 90,333 | $ 48,000 |
| Sandoval, New Mexico | 5 | $ 1,206,000 | $ 241,200 | $ 75,000 |
| Pushmataha, Oklahoma | 5 | $ 352,000 | $ 70,400 | $ 48,000 |
| Bosque, Texas | 5 | $ 437,000 | $ 87,400 | $ 69,000 |
| Lubbock, Texas | 5 | $ 477,000 | $ 95,400 | $ 117,000 |
| Cibola, New Mexico | 4 | $ 311,000 | $ 77,750 | $ 66,000 |
| Galveston, Texas | 4 | $ 393,000 | $ 98,250 | $ 37,000 |
| Lamar, Texas | 4 | $ 349,000 | $ 87,250 | $ 99,000 |
| Midland, Texas | 4 | $ 426,000 | $ 106,500 | $ 59,000 |
| Burlington, New Jersey | 3 | $ 837,000 | $ 279,000 | $ 45,000 |
| Middlesex, New Jersey | 3 | $ 775,000 | $ 258,333 | $ 65,000 |
| Caddo, Oklahoma | 3 | $ 129,000 | $ 43,000 | $ 66,000 |
| Carter, Oklahoma | 3 | $ 188,000 | $ 62,666 | $ 78,000 |
| Cleveland, Oklahoma | 3 | $ 495,000 | $ 165,000 | $ 113,000 |
| Kiowa, Oklahoma | 3 | $ 263,000 | $ 87,666 | $ 52,000 |
| Pontotoc, Oklahoma | 3 | $ 300,000 | $ 100,000 | $ 53,000 |
| Aransas, Texas | 3 | $ 351,000 | $ 117,000 | $ 100,000 |
| Denton, Texas | 3 | $ 597,000 | $ 199,000 | $ 47,000 |
| Erath, Texas | 3 | $ 303,000 | $ 101,000 | $ 102,000 |
| Falls, Texas | 3 | $ 330,000 | $ 110,000 | $ 329,000 |
| Fannin, Texas | 3 | $ 384,000 | $ 128,000 | $ 50,000 |
| Henderson, Texas | 3 | $ 252,000 | $ 84,000 | $ 52,000 |
| Hidalgo, Texas | 3 | $ 132,000 | $ 44,000 | $ 69,000 |
| Jefferson, Texas | 3 | $ 315,000 | $ 105,000 | $ 103,000 |
| Johnson, Texas | 3 | $ 345,000 | $ 115,000 | $ 67,000 |
| Robertson, Texas | 3 | $ 150,000 | $ 50,000 | $ 85,000 |
| Gloucester, New Jersey | 2 | $ 185,000 | $ 92,500 | $ 162,000 |
| Hudson, New Jersey | 2 | $ 553,000 | $ 276,500 | $ 95,000 |
| Mercer, New Jersey | 2 | $ 311,000 | $ 155,500 | $ 0 |
| Union, New Jersey | 2 | $ 664,000 | $ 332,000 | $ 139,000 |
| Chaves, New Mexico | 2 | $ 90,000 | $ 45,000 | $ 85,000 |
| Dona Ana, New Mexico | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Lincoln, New Mexico | 2 | $ 503,000 | $ 251,500 | $ 359,000 |
| Santa Fe, New Mexico | 2 | $ 396,000 | $ 198,000 | $ 65,000 |
| Brazoria, Texas | 2 | $ 285,000 | $ 142,500 | $ 50,000 |
| Calhoun, Texas | 2 | $ 174,000 | $ 87,000 | $ 71,000 |
| Comanche, Texas | 2 | $ 255,000 | $ 127,500 | $ 79,000 |
| Gray, Texas | 2 | $ 179,000 | $ 89,500 | $ 24,000 |
| Hunt, Texas | 2 | $ 187,000 | $ 93,500 | $ 34,000 |
| Kleberg, Texas | 2 | $ 202,000 | $ 101,000 | $ 60,000 |
| Limestone, Texas | 2 | $ 98,000 | $ 49,000 | $ 50,000 |
| Smith, Texas | 2 | $ 178,000 | $ 89,000 | $ 70,000 |
| Swisher, Texas | 2 | $ 196,000 | $ 98,000 | $ 19,000 |
| Wheeler, Texas | 2 | $ 185,000 | $ 92,500 | $ 43,000 |
| Washington, Utah | 2 | $ 185,000 | $ 92,500 | $ 92,000 |
| Autauga, Alabama | 1 | $ 256,000 | $ 256,000 | $ 84,000 |
| Matanuska-Susitna, Alaska | 1 | $ 233,000 | $ 233,000 | $ 68,000 |
| Benton, Arkansas | 1 | $ 1,000 | $ 1,000 | $ 53,000 |
| Kern, California | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| Denver, Colorado | 1 | $ 29,000 | $ 29,000 | $ 96,000 |
| Fremont, Colorado | 1 | $ 228,000 | $ 228,000 | $ 96,000 |
| Larimer, Colorado | 1 | $ 149,000 | $ 149,000 | $ 178,000 |
| Hartford, Connecticut | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Indian River, Florida | 1 | $ 417,000 | $ 417,000 | $ 190,000 |
| Nassau, Florida | 1 | $ 417,000 | $ 417,000 | $ 416,000 |
| DeKalb, Georgia | 1 | $ 109,000 | $ 109,000 | $ 69,000 |
| Boise, Idaho | 1 | $ 196,000 | $ 196,000 | $ 118,000 |
| Anne Arundel, Maryland | 1 | $ 472,000 | $ 472,000 | $ 500,000 |
| Washington, Maryland | 1 | $ 298,000 | $ 298,000 | $ 99,000 |
| Clinton, Michigan | 1 | $ 200,000 | $ 200,000 | $ 106,000 |
| Jackson, Michigan | 1 | $ 101,000 | $ 101,000 | $ 17,000 |
| Washoe, Nevada | 1 | $ 365,000 | $ 365,000 | $ 87,000 |
| Camden, New Jersey | 1 | $ 268,000 | $ 268,000 | $ 61,000 |
| Passaic, New Jersey | 1 | $ 410,000 | $ 410,000 | $ 178,000 |
| Colfax, New Mexico | 1 | $ 279,000 | $ 279,000 | $ 132,000 |
| Torrance, New Mexico | 1 | $ 470,000 | $ 470,000 | $ 175,000 |
| Union, New Mexico | 1 | $ 220,000 | $ 220,000 | $ 62,000 |
| Valencia, New Mexico | 1 | $ 177,000 | $ 177,000 | $ 39,000 |
| Greer, Oklahoma | 1 | $ 94,000 | $ 94,000 | $ 39,000 |
| Jackson, Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 114,000 |
| Le Flore, Oklahoma | 1 | $ 124,000 | $ 124,000 | $ 90,000 |
| Love, Oklahoma | 1 | $ 25,000 | $ 25,000 | $ 13,000 |
| McClain, Oklahoma | 1 | $ 139,000 | $ 139,000 | $ 60,000 |
| Pittsburg, Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 29,000 |
| Pottawatomie, Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Tulsa, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Wagoner, Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 36,000 |
| Coos, Oregon | 1 | $ 234,000 | $ 234,000 | $ 87,000 |
| Lawrence, Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 65,000 |
| Beaufort, South Carolina | 1 | $ 136,000 | $ 136,000 | $ 52,000 |
| Spartanburg, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Atascosa, Texas | 1 | $ 127,000 | $ 127,000 | $ 75,000 |
| Bandera, Texas | 1 | $ 154,000 | $ 154,000 | $ 115,000 |
| Blanco, Texas | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Burnet, Texas | 1 | $ 210,000 | $ 210,000 | $ 77,000 |
| Caldwell, Texas | 1 | $ 86,000 | $ 86,000 | $ 106,000 |
| Cameron, Texas | 1 | $ 109,000 | $ 109,000 | $ 55,000 |
| Carson, Texas | 1 | $ 48,000 | $ 48,000 | $ 37,000 |
| Cooke, Texas | 1 | $ 238,000 | $ 238,000 | $ 84,000 |
| Ellis, Texas | 1 | $ 219,000 | $ 219,000 | $ 92,000 |
| Fort Bend, Texas | 1 | $ 130,000 | $ 130,000 | $ 62,000 |
| Gillespie, Texas | 1 | $ 171,000 | $ 171,000 | $ 58,000 |
| Gonzales, Texas | 1 | $ 100,000 | $ 100,000 | $ 37,000 |
| Hale, Texas | 1 | $ 61,000 | $ 61,000 | $ 42,000 |
| Hutchinson, Texas | 1 | $ 164,000 | $ 164,000 | $ 67,000 |
| Jones, Texas | 1 | $ 80,000 | $ 80,000 | $ 72,000 |
| Kaufman, Texas | 1 | $ 33,000 | $ 33,000 | $ 102,000 |
| Lampasas, Texas | 1 | $ 330,000 | $ 330,000 | $ 100,000 |
| Matagorda, Texas | 1 | $ 240,000 | $ 240,000 | $ 70,000 |
| Montgomery, Texas | 1 | $ 45,000 | $ 45,000 | $ 154,000 |
| Moore, Texas | 1 | $ 168,000 | $ 168,000 | $ 58,000 |
| Nacogdoches, Texas | 1 | $ 101,000 | $ 101,000 | $ 90,000 |
| Polk, Texas | 1 | $ 92,000 | $ 92,000 | $ 24,000 |
| Red River, Texas | 1 | $ 1,000 | $ 1,000 | $ 72,000 |
| Rockwall, Texas | 1 | $ 112,000 | $ 112,000 | $ 66,000 |
| Somervell, Texas | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Uvalde, Texas | 1 | $ 244,000 | $ 244,000 | $ 117,000 |
| Clark, Washington | 1 | $ 240,000 | $ 240,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Extraco Mortgage in 2007
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 | 1,592 | $206,350,000 | $129,000 | $1,500,000 | $77,000 | $900,000 |
| Refinancing | 214 | $29,486,000 | $137,000 | $900,000 | $78,000 | $528,000 |
| Home Improvement | 98 | $4,165,000 | $42,000 | $126,000 | $77,000 | $400,000 |
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 | 1,535 | $195,443,000 | $127,000 | $1,100,000 | $81,000 | $900,000 |
| Hispanic | 210 | $25,620,000 | $122,000 | $410,000 | $60,000 | $193,000 |
| Black or African American | 48 | $6,132,000 | $127,000 | $711,000 | $68,000 | $236,000 |
| Not Provided | 45 | $4,335,000 | $96,000 | $295,000 | $70,000 | $310,000 |
| American Indian or Alaskan Native | 44 | $3,609,000 | $82,000 | $203,000 | $40,000 | $96,000 |
| Asian | 22 | $4,862,000 | $221,000 | $1,500,000 | $111,000 | $660,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,458 | $188,480,000 | $129,000 | $1,500,000 | $84,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 323 | $33,876,000 | $104,000 | $203,000 | $54,000 | $205,000 |
| VA-guaranteed (Veterans Administration) | 123 | $17,645,000 | $143,000 | $398,000 | $61,000 | $310,000 |
| 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 | 1,373 | $185,533,000 | $135,000 | $1,100,000 | $83,000 | $900,000 |
| Preapproval Denied by Financial Institution | 208 | $16,687,000 | $80,000 | $500,000 | $46,000 | $579,000 |
| Application Withdrawn By Applicant | 146 | $18,122,000 | $124,000 | $536,000 | $84,000 | $528,000 |
| Application Denied By Financial Institution | 144 | $15,777,000 | $109,000 | $1,500,000 | $62,000 | $660,000 |
| Application Approved But Not Accepted | 23 | $3,371,000 | $146,000 | $340,000 | $92,000 | $288,000 |
| File Closed For Incompleteness | 8 | $325,000 | $40,000 | $80,000 | $93,000 | $242,000 |
| Loan Purchased By The Institution | 2 | $186,000 | $93,000 | $120,000 | $0 | $0 |
| 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 | 241 | $19,463,000 | $80,000 | $1,500,000 | $49,000 | $660,000 |
| Debt-To-Income Ratio | 51 | $6,078,000 | $119,000 | $417,000 | $49,000 | $200,000 |
| Collateral | 24 | $2,516,000 | $104,000 | $500,000 | $74,000 | $579,000 |
| Other | 18 | $2,419,000 | $134,000 | $371,000 | $60,000 | $150,000 |
| Employment History | 14 | $1,513,000 | $108,000 | $711,000 | $60,000 | $162,000 |
| Unverifiable Information | 2 | $255,000 | $127,000 | $195,000 | $85,000 | $122,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $140,000 | $55,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Extraco Mortgage's 2007 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 Extraco Mortgage'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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