McCulloch County, TX Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 161 mortgage applications in McCulloch County, TX totaling $17.4 million, up 39% from 2012. The average application was for $107,000, and applicants reported an average income of $82,000. 35% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank NA, with 28 applications, followed by Citibank, NA and American Southwest Mortgage Corp..
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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 | 161 |
| Total Mortgage Loan Application Amount | $17,356,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $360,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $984,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 28 | $ 2,897,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 17 | $ 1,761,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 14 | $ 1,329,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 12 | $ 756,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 334,303,000 | 8 | $ 840,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 8 | $ 783,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 842,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 534,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 369,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 4 | $ 606,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 3 | $ 441,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 3 | $ 586,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 3 | $ 190,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 2 | $ 226,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 250,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 2 | $ 460,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 377,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 290,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 181,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 2 | $ 157,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 2 | $ 164,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 348,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 4,472,275,000 | 1 | $ 18,000 |
| The Bank and Trust, S.S.B. 1200 VETERANS BLVD DEL RIO, TX 78840 |
* | $ 412,299,000 | 1 | $ 118,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 76,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 170,000 |
| First Central Credit Union 6201 SANGER AVENUE WACO, TX 76710 |
* | $ 58,196,000 | 1 | $ 38,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 109,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 16,553,533,000 | 1 | $ 49,000 |
| Mortgage Capital Associates, Inc. 11150 W OYMPIC BLVD. STE. 1160 LOS ANGELES, CA 90064 |
* | $ 10,000,000 | 1 | $ 200,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 1 | $ 56,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 147,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 76,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 192,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 133,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 38,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 33,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Central National Bank 8320 W HWY 84 WACO, TX 76712 |
* | $ 664,162,000 | 1 | $ 195,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 215,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 125,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 86,000 |
| American Bank of Texas PO BOX 1234 SHERMAN, TX 75091 |
* | $ 2,020,797,000 | 1 | $ 183,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 1 | $ 71,000 |
The tables below break down 2013 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 2013
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 | 93 | $10,341,000 | $111,000 | $360,000 | $82,000 | $630,000 |
| Refinancing | 61 | $6,859,000 | $112,000 | $215,000 | $86,000 | $984,000 |
| Home Improvement | 7 | $156,000 | $22,000 | $50,000 | $45,000 | $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 | 117 | $13,140,000 | $112,000 | $360,000 | $90,000 | $984,000 |
| Not applicable | 19 | $2,253,000 | $118,000 | $230,000 | $40,000 | $140,000 |
| Hispanic | 14 | $884,000 | $63,000 | $119,000 | $43,000 | $74,000 |
| Not Provided | 10 | $972,000 | $97,000 | $195,000 | $123,000 | $630,000 |
| Asian | 1 | $107,000 | $107,000 | $107,000 | $72,000 | $72,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 96 | $9,684,000 | $100,000 | $360,000 | $91,000 | $984,000 |
| FHA-insured (Federal Housing Administration) | 35 | $4,222,000 | $120,000 | $270,000 | $84,000 | $527,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,158,000 | $77,000 | $91,000 | $41,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,292,000 | $152,000 | $230,000 | $60,000 | $108,000 |
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 | 56 | $6,443,000 | $115,000 | $270,000 | $95,000 | $630,000 |
| Application Denied By Financial Institution | 39 | $3,005,000 | $77,000 | $200,000 | $58,000 | $320,000 |
| Loan Purchased By The Institution | 37 | $4,196,000 | $113,000 | $270,000 | $65,000 | $527,000 |
| Application Withdrawn By Applicant | 14 | $2,238,000 | $159,000 | $360,000 | $103,000 | $242,000 |
| Application Approved But Not Accepted | 9 | $901,000 | $100,000 | $183,000 | $76,000 | $199,000 |
| File Closed For Incompleteness | 6 | $573,000 | $95,000 | $142,000 | $187,000 | $984,000 |
| 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 | 9 | $348,000 | $38,000 | $120,000 | $39,000 | $91,000 |
| Debt-To-Income Ratio | 7 | $651,000 | $93,000 | $139,000 | $68,000 | $117,000 |
| Collateral | 5 | $416,000 | $83,000 | $170,000 | $102,000 | $320,000 |
| Other | 2 | $150,000 | $75,000 | $101,000 | $48,000 | $49,000 |
| Unverifiable Information | 1 | $71,000 | $71,000 | $71,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 1 | $76,000 | $76,000 | $76,000 | $71,000 | $71,000 |
| 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 |
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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