Valley Mortgage/Tsb Mortgage Mortgage Lending & HMDA Data, 2007
In 2007, Valley Mortgage/Tsb Mortgage of McAllen, TX reported 1,202 mortgage applications totaling $155.2 million, down 8% from 2006. The average application was for $129,131, and applicants reported an average income of $79,109. 91% of its applications resulted in an originated loan and 1% were denied. Its largest markets were McAllen-Edinburg-Mission, TX (563), Laredo, TX (244) and Brownsville-Harlingen, TX (134) (applications in parentheses).
| Mortgage Company & Address | Valley Mortgage/Tsb Mortgage 1319 North 10th Street McAllen, TX 78501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,202 |
| Total Mortgage Loan Application Amount | $155,216,000 |
| Average Mortgage Loan Application Amount | $129,131 |
| Highest Mortgage Loan Application Amount | $1,480,000 |
| Average Applicant Income | $79,109 |
| Highest Applicant Income | $1,878,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Valley Mortgage/Tsb Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Hidalgo, Texas | 563 | $ 70,330,000 | $ 124,920 | $ 80,000 |
| Webb, Texas | 244 | $ 31,457,000 | $ 128,922 | $ 59,000 |
| Cameron, Texas | 134 | $ 12,625,000 | $ 94,216 | $ 57,000 |
| Bexar, Texas | 71 | $ 7,825,000 | $ 110,211 | $ 54,000 |
| Jefferson, Texas | 53 | $ 11,050,000 | $ 208,490 | $ 152,000 |
| Smith, Texas | 14 | $ 2,863,000 | $ 204,500 | $ 188,000 |
| El Paso, Texas | 13 | $ 1,891,000 | $ 145,461 | $ 75,000 |
| Hardin, Texas | 12 | $ 1,726,000 | $ 143,833 | $ 78,000 |
| Orange, Texas | 10 | $ 1,849,000 | $ 184,900 | $ 117,000 |
| Harris, Texas | 9 | $ 1,282,000 | $ 142,444 | $ 92,000 |
| Jasper, Texas | 9 | $ 1,321,000 | $ 146,777 | $ 97,000 |
| Guadalupe, Texas | 6 | $ 686,000 | $ 114,333 | $ 50,000 |
| Dallas, Texas | 5 | $ 1,248,000 | $ 249,600 | $ 139,000 |
| Montgomery, Texas | 5 | $ 813,000 | $ 162,600 | $ 80,000 |
| Travis, Texas | 5 | $ 1,000,000 | $ 200,000 | $ 348,000 |
| Fort Bend, Texas | 4 | $ 623,000 | $ 155,750 | $ 102,000 |
| Galveston, Texas | 4 | $ 662,000 | $ 165,500 | $ 228,000 |
| Nueces, Texas | 4 | $ 584,000 | $ 146,000 | $ 95,000 |
| Tyler, Texas | 4 | $ 261,000 | $ 65,250 | $ 63,000 |
| Brazoria, Texas | 3 | $ 590,000 | $ 196,666 | $ 54,000 |
| Hunt, Texas | 3 | $ 211,000 | $ 70,333 | $ 121,000 |
| Maverick, Texas | 3 | $ 401,000 | $ 133,666 | $ 49,000 |
| Starr, Texas | 3 | $ 558,000 | $ 186,000 | $ 73,000 |
| Angelina, Texas | 2 | $ 108,000 | $ 54,000 | $ 55,000 |
| Brazos, Texas | 2 | $ 297,000 | $ 148,500 | $ 207,000 |
| Cherokee, Texas | 2 | $ 556,000 | $ 278,000 | $ 85,000 |
| Collin, Texas | 2 | $ 361,000 | $ 180,500 | $ 100,000 |
| Tarrant, Texas | 2 | $ 415,000 | $ 207,500 | $ 233,000 |
| Willacy, Texas | 2 | $ 140,000 | $ 70,000 | $ 61,000 |
| Bandera, Texas | 1 | $ 159,000 | $ 159,000 | $ 92,000 |
| Comal, Texas | 1 | $ 232,000 | $ 232,000 | $ 95,000 |
| Hays, Texas | 1 | $ 225,000 | $ 225,000 | $ 204,000 |
| Kleberg, Texas | 1 | $ 36,000 | $ 36,000 | $ 33,000 |
| La Salle, Texas | 1 | $ 92,000 | $ 92,000 | $ 55,000 |
| Medina, Texas | 1 | $ 166,000 | $ 166,000 | $ 67,000 |
| Polk, Texas | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Rusk, Texas | 1 | $ 140,000 | $ 140,000 | $ 104,000 |
| Van Zandt, Texas | 1 | $ 268,000 | $ 268,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Valley Mortgage/Tsb 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 | 930 | $109,053,000 | $117,000 | $776,000 | $73,000 | $1,878,000 |
| Refinancing | 272 | $46,163,000 | $169,000 | $1,480,000 | $100,000 | $1,298,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Hispanic | 880 | $101,563,000 | $115,000 | $417,000 | $62,000 | $541,000 |
| White | 283 | $47,889,000 | $169,000 | $1,480,000 | $131,000 | $1,878,000 |
| Asian | 22 | $2,781,000 | $126,000 | $195,000 | $78,000 | $266,000 |
| Black or African American | 16 | $2,780,000 | $173,000 | $412,000 | $103,000 | $559,000 |
| American Indian or Alaskan Native | 1 | $203,000 | $203,000 | $203,000 | $58,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 623 | $91,249,000 | $146,000 | $1,480,000 | $103,000 | $1,878,000 |
| FHA-insured (Federal Housing Administration) | 535 | $57,943,000 | $108,000 | $203,000 | $53,000 | $244,000 |
| VA-guaranteed (Veterans Administration) | 44 | $6,024,000 | $136,000 | $339,000 | $64,000 | $147,000 |
| 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 | 1,091 | $142,151,000 | $130,000 | $1,480,000 | $81,000 | $1,878,000 |
| Application Approved But Not Accepted | 95 | $11,201,000 | $117,000 | $417,000 | $61,000 | $353,000 |
| Application Denied By Financial Institution | 15 | $1,730,000 | $115,000 | $399,000 | $46,000 | $104,000 |
| Application Withdrawn By Applicant | 1 | $134,000 | $134,000 | $134,000 | $153,000 | $153,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Valley Mortgage/Tsb 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 Valley Mortgage/Tsb 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About