McCulloch County, TX Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 139 mortgage applications in McCulloch County, TX totaling $19.1 million, down 14% from 2013. The average application was for $137,000, and applicants reported an average income of $58,000. 42% of applications resulted in an originated loan and 22% were denied. The most active lender was American Southwest Mortgage Corp., with 18 applications, followed by JPMorgan Chase Bank, NA and Wells Fargo 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 | 139 |
| Total Mortgage Loan Application Amount | $19,066,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $4,767,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $491,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 18 | $ 1,969,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 12 | $ 1,417,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 9 | $ 845,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 743,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 8 | $ 559,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 481,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 543,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 409,634,000 | 4 | $ 601,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 4 | $ 536,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 3 | $ 201,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 311,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 3 | $ 320,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 271,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 2 | $ 128,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 354,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 168,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 2 | $ 244,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 5,194,987,000 | 2 | $ 18,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 2 | $ 212,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 2 | $ 123,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 185,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 2 | $ 244,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 193,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 73,000 |
| H-E-B Federal Credit Union 4630 N LOOP 1604 W, SUITE 101 SAN ANTONIO, TX 78278 |
* | $ 146,520,000 | 1 | $ 45,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 301,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 407,000 |
| Captex Bank, National Association PO BOX 4 TRENTON, TX 75490 |
* | $ 152,303,000 | 1 | $ 85,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ 20,474,937,000 | 1 | $ 162,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 5,717,040,000 | 1 | $ 108,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 60,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 173,000 |
| National United 905 MAIN ST GATESVILLE, TX 76528 |
* | $ 534,882,000 | 1 | $ 17,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 339,642,000 | 1 | $ 125,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 50,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 68,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,569,087,000 | 1 | $ 100,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 144,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 962,933,000 | 1 | $ 4,767,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 206,286,000 | 1 | $ 57,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 88,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 163,000 |
| American Home Free Mortgage PO BOX 760 PROSPER, TX 75078 |
* | $ 11,149,000 | 1 | $ 66,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 1 | $ 78,000 |
| Rally Credit Union 2814 RODD FIELD CORPUS CHRISTI, TX 78414 |
* | $ 2,004,666,000 | 1 | $ 95,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 1 | $ 125,000 |
The tables below break down 2014 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 2014
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 | 89 | $9,171,000 | $103,000 | $301,000 | $55,000 | $133,000 |
| Refinancing | 47 | $9,847,000 | $209,000 | $4,767,000 | $60,000 | $491,000 |
| Home Improvement | 3 | $48,000 | $16,000 | $30,000 | $96,000 | $145,000 |
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 | 92 | $14,751,000 | $160,000 | $4,767,000 | $68,000 | $491,000 |
| Not applicable | 19 | $2,021,000 | $106,000 | $172,000 | $6,000 | $73,000 |
| Hispanic | 17 | $1,302,000 | $76,000 | $104,000 | $62,000 | $119,000 |
| Not Provided | 11 | $992,000 | $90,000 | $136,000 | $53,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 83 | $12,705,000 | $153,000 | $4,767,000 | $71,000 | $491,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,814,000 | $104,000 | $145,000 | $38,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 23 | $2,819,000 | $122,000 | $174,000 | $34,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 6 | $728,000 | $121,000 | $182,000 | $58,000 | $111,000 |
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 | 59 | $10,666,000 | $180,000 | $4,767,000 | $73,000 | $491,000 |
| Application Denied By Financial Institution | 30 | $2,452,000 | $81,000 | $173,000 | $50,000 | $95,000 |
| Loan Purchased By The Institution | 26 | $2,820,000 | $108,000 | $174,000 | $20,000 | $101,000 |
| Application Approved But Not Accepted | 12 | $1,521,000 | $126,000 | $407,000 | $90,000 | $254,000 |
| Application Withdrawn By Applicant | 8 | $1,022,000 | $127,000 | $301,000 | $52,000 | $119,000 |
| File Closed For Incompleteness | 4 | $585,000 | $146,000 | $196,000 | $55,000 | $75,000 |
| 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 | 8 | $623,000 | $77,000 | $173,000 | $57,000 | $95,000 |
| Debt-To-Income Ratio | 2 | $258,000 | $129,000 | $132,000 | $18,000 | $26,000 |
| Other | 2 | $93,000 | $46,000 | $76,000 | $52,000 | $67,000 |
| Unverifiable Information | 1 | $88,000 | $88,000 | $88,000 | $36,000 | $36,000 |
| Collateral | 1 | $158,000 | $158,000 | $158,000 | $93,000 | $93,000 |
| Credit Application Incomplete | 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 |
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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