Madison County, TX Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 294 mortgage applications in Madison County, TX totaling $28.3 million, up 13% from 2008. The average application was for $96,000, and applicants reported an average income of $64,000. 28% of applications resulted in an originated loan and 31% were denied. The most active lender was Wells Fargo Bank, NA, with 77 applications, followed by Bank of America, N.A. and First National Bank of Huntsville.
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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 | 294 |
| Total Mortgage Loan Application Amount | $28,293,000 |
| Average Mortgage Loan Application Amount | $96,000 |
| Highest Mortgage Loan Application Amount | $488,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $900,000 |
Top Mortgage Lenders in Madison County, TX (2009)
Ranked by the number of mortgage applications each lender reported in Madison County, TX in 2009.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank, NA Des Moines, IA |
77 | $6,067,000 | $78,000 | $71,000 |
| 2 | Bank of America, N.A. Calabasas, CA |
39 | $3,479,000 | $89,000 | $50,000 |
| 3 | First National Bank of Huntsville Huntsville, TX |
18 | $1,677,000 | $93,000 | $63,000 |
| 4 | Citifinancial Inc Baltimore, MD |
16 | $630,000 | $39,000 | $45,000 |
| 5 | Citibank, N.A. New York, NY |
11 | $377,000 | $34,000 | $16,000 |
| 6 | US Bank, N.A. Milwaukee, WI |
10 | $660,000 | $66,000 | $83,000 |
| 7 | Flagstar Bank Troy, MI |
8 | $1,365,000 | $170,000 | $91,000 |
| 8 | JPMorgan Chase Bank, NA Columbus, OH |
8 | $1,053,000 | $131,000 | $70,000 |
| 9 | Ally Bank F/K/A/ Gmac Bank Ft. Washington, PA |
8 | $993,000 | $124,000 | $52,000 |
| 10 | Credit Human Federal Credit Un San Antonio, TX |
7 | $359,000 | $51,000 | $40,000 |
The tables below break down 2009 mortgage applications in Madison 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 Madison County, TX in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 135 | $14,049,000 | $104,000 | $420,000 | $72,000 | $900,000 |
| Home Purchase | 124 | $13,088,000 | $105,000 | $488,000 | $60,000 | $480,000 |
| Home Improvement | 35 | $1,156,000 | $33,000 | $124,000 | $54,000 | $144,000 |
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 | 164 | $19,091,000 | $116,000 | $488,000 | $77,000 | $480,000 |
| Not applicable | 34 | $1,904,000 | $56,000 | $252,000 | $10,000 | $70,000 |
| Black or African American | 33 | $1,965,000 | $59,000 | $163,000 | $52,000 | $186,000 |
| Hispanic | 33 | $2,530,000 | $76,000 | $200,000 | $67,000 | $900,000 |
| Not Provided | 27 | $2,470,000 | $91,000 | $225,000 | $61,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $140,000 | $140,000 | $140,000 | $191,000 | $191,000 |
| American Indian or Alaskan Native | 1 | $93,000 | $93,000 | $93,000 | $92,000 | $92,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $45,000 | $45,000 |
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) | 218 | $21,115,000 | $96,000 | $488,000 | $73,000 | $900,000 |
| FHA-insured (Federal Housing Administration) | 51 | $4,946,000 | $96,000 | $211,000 | $44,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 20 | $1,656,000 | $82,000 | $219,000 | $27,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $576,000 | $115,000 | $126,000 | $35,000 | $59,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 90 | $8,531,000 | $94,000 | $488,000 | $69,000 | $480,000 |
| Loan Originated | 83 | $9,009,000 | $108,000 | $420,000 | $66,000 | $243,000 |
| Loan Purchased By The Institution | 53 | $4,579,000 | $86,000 | $382,000 | $36,000 | $202,000 |
| Application Withdrawn By Applicant | 35 | $3,183,000 | $90,000 | $250,000 | $66,000 | $224,000 |
| Application Approved But Not Accepted | 17 | $1,783,000 | $104,000 | $375,000 | $84,000 | $241,000 |
| File Closed For Incompleteness | 15 | $1,178,000 | $78,000 | $200,000 | $101,000 | $900,000 |
| Preapproval Denied by Financial Institution | 1 | $30,000 | $30,000 | $30,000 | $52,000 | $52,000 |
| 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 | 27 | $1,787,000 | $66,000 | $200,000 | $55,000 | $191,000 |
| Collateral | 15 | $2,484,000 | $165,000 | $384,000 | $91,000 | $186,000 |
| Other | 11 | $1,252,000 | $113,000 | $488,000 | $124,000 | $480,000 |
| Debt-To-Income Ratio | 8 | $916,000 | $114,000 | $404,000 | $57,000 | $224,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $461,000 | $115,000 | $235,000 | $44,000 | $68,000 |
| Unverifiable Information | 2 | $157,000 | $78,000 | $111,000 | $128,000 | $201,000 |
| Credit Application Incomplete | 2 | $158,000 | $79,000 | $101,000 | $35,000 | $37,000 |
| Employment History | 1 | $120,000 | $120,000 | $120,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 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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