McCulloch County, TX Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 114 mortgage applications in McCulloch County, TX totaling $10.7 million, down 16% from 2009. The average application was for $93,000, and applicants reported an average income of $58,000. 32% of applications resulted in an originated loan and 40% were denied. The most active lender was Bank of America, N.A., with 13 applications, followed by Citibank, N.A. and JPMorgan Chase Bank, NA.
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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 | 114 |
| Total Mortgage Loan Application Amount | $10,669,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $231,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $157,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 13 | $ 1,322,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,161,361,000,000 | 11 | $ 335,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 10 | $ 1,083,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 7 | $ 624,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 7 | $ 487,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 6 | $ 448,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 216,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 4 | $ 461,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 4 | $ 603,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 283,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 339,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 110,000 |
| First Financial Bank, N.A. 301 W. BEAUREGARD SAN ANGELO, TX 76903 |
* | $ 349,676,000 | 2 | $ 104,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 274,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 2 | $ 268,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 266,000 |
| Air Force Federal Credit Union 1560 CABLE RANCH ROAD STE 200 SAN ANTONIO, TX 78245 |
* | $ 333,434,000 | 1 | $ 40,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 217,695,000 | 1 | $ 61,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 175,000 |
| My Community Credit Union 600 W LOUISIANA AVE MIDLAND, TX 79701 |
* | $ 209,423,000 | 1 | $ 140,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 64,000 |
| First Community Bank PO BOX 3686 ALBUQUERQUE, NM 87190 |
* | $ 2,740,524,000 | 1 | $ 86,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 54,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 122,000 |
| Affiliated Bank 500 HARWOOD RD BEDFORD, TX 76021 |
* | $ 164,626,000 | 1 | $ 84,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 50,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 26,000 |
| Rpm Mortgage Inc. 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 62,000,000 | 1 | $ 187,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 131,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 70,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 1 | $ 160,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 1 | $ 122,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 54,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 81,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Home Financing Unlimited, Inc. 901 SOUTH MOPAC BUILDING V, SUITE 120 AUSTIN, TX 78746 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Community Mortgage Funding, LLC 3201 WEST TEMPLE AVE, SUITE 120 POMONA, CA 91768 |
* | $ 500,000,000 | 1 | $ 132,000 |
The tables below break down 2010 mortgage applications in McCulloch 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 McCulloch County, TX in 2010
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 | 62 | $5,733,000 | $92,000 | $193,000 | $55,000 | $157,000 |
| Refinancing | 36 | $4,415,000 | $122,000 | $231,000 | $69,000 | $139,000 |
| Home Improvement | 16 | $521,000 | $32,000 | $70,000 | $44,000 | $121,000 |
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 | 82 | $7,832,000 | $95,000 | $231,000 | $61,000 | $157,000 |
| Hispanic | 17 | $1,058,000 | $62,000 | $138,000 | $43,000 | $97,000 |
| Not Provided | 10 | $1,286,000 | $128,000 | $228,000 | $77,000 | $135,000 |
| Not applicable | 2 | $222,000 | $111,000 | $122,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $89,000 | $89,000 | $89,000 | $75,000 | $75,000 |
| Asian | 1 | $25,000 | $25,000 | $25,000 | $8,000 | $8,000 |
| Black or African American | 1 | $157,000 | $157,000 | $157,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 65 | $5,747,000 | $88,000 | $231,000 | $64,000 | $143,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,416,000 | $106,000 | $193,000 | $52,000 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,293,000 | $92,000 | $149,000 | $41,000 | $58,000 |
| VA-guaranteed (Veterans Administration) | 3 | $213,000 | $71,000 | $89,000 | $57,000 | $75,000 |
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 | 46 | $3,854,000 | $83,000 | $212,000 | $53,000 | $143,000 |
| Loan Originated | 36 | $3,287,000 | $91,000 | $193,000 | $59,000 | $121,000 |
| Loan Purchased By The Institution | 19 | $2,141,000 | $112,000 | $228,000 | $58,000 | $157,000 |
| Application Withdrawn By Applicant | 6 | $778,000 | $129,000 | $231,000 | $78,000 | $114,000 |
| Application Approved But Not Accepted | 4 | $348,000 | $87,000 | $131,000 | $58,000 | $84,000 |
| File Closed For Incompleteness | 3 | $261,000 | $87,000 | $123,000 | $72,000 | $139,000 |
| 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 | 23 | $1,380,000 | $60,000 | $187,000 | $47,000 | $143,000 |
| Debt-To-Income Ratio | 6 | $600,000 | $100,000 | $162,000 | $41,000 | $80,000 |
| Collateral | 6 | $821,000 | $136,000 | $212,000 | $68,000 | $110,000 |
| Other | 4 | $369,000 | $92,000 | $160,000 | $76,000 | $109,000 |
| Credit Application Incomplete | 2 | $285,000 | $142,000 | $195,000 | $91,000 | $135,000 |
| Unverifiable Information | 1 | $43,000 | $43,000 | $43,000 | $33,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $89,000 | $89,000 | $89,000 | $75,000 | $75,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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