McCulloch County, TX Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 128 mortgage applications in McCulloch County, TX totaling $15.8 million, about the same as 2015. The average application was for $123,000, and applicants reported an average income of $65,000. 41% of applications resulted in an originated loan and 27% were denied. The most active lender was Wells Fargo Bank NA, with 8 applications, followed by Caliber Home Loans, Inc. and Freedom Mortgage Corporation.
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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 | 128 |
| Total Mortgage Loan Application Amount | $15,803,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $349,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $342,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| 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 |
* | $ 1,610,580,000,000 | 8 | $ 771,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 8 | $ 883,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 7 | $ 1,460,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,213,000 |
| Wallick and Volk, Inc. 222 E. 18TH ST. CHEYENNE, WY 82001 |
* | $ 10,000,000 | 4 | $ 696,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 441,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 344,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 961,290,000 | 3 | $ 403,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 367,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 396,000 |
| Legacy Mortgage LLC 6725 ACADEMY ROAD NE ALBUQUERQUE, NM 87109 |
* | $ 1,000,000,000 | 3 | $ 234,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 206,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 3 | $ 370,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 3 | $ 310,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ 10,000,000 | 2 | $ 218,000 |
| Capital Farm Credit, Aca 3000 BRIARCREST DRIVE SUITE 601 BRYAN, TX 77802 |
* | $ 242,905,000 | 2 | $ 280,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,284,745,000 | 2 | $ 114,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 3,065,108,000 | 2 | $ 340,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 239,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 86,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 2 | $ 33,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 290,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 292,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 380,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 146,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 22,025,607,000 | 1 | $ 200,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 254,000 |
| Trans Texas Southwest C U 3401 LOOP 306 SAN ANGELO, TX 76904 |
* | $ 45,339,000 | 1 | $ 30,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 48,000 |
| The Pecos County State Bank 500 N MAIN ST FORT STOCKTON, TX 79735 |
* | $ 227,105,000 | 1 | $ 337,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 24,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 57,000 |
| Abilene Teachers FCU P.O. BOX 5706 ABILENE, TX 79606 |
* | $ 413,850,000 | 1 | $ 123,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 126,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 1,412,242,000 | 1 | $ 40,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 146,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 234,452,000 | 1 | $ 33,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 16,000 |
| Sente Mortgage, Inc. 4520 BURNET ROAD AUSTIN, TX 78756 |
* | $ 1,000,000,000 | 1 | $ 203,000 |
| Centennial Bank 904 AVE. O LUBBOCK, TX 79401 |
* | $ 734,733,000 | 1 | $ 196,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 80,000 |
| R Bank 3600 E PALM VALLEY BLVD ROUND ROCK, TX 78665 |
* | $ 370,444,000 | 1 | $ 76,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 295,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 3,153,899,000 | 1 | $ 100,000 |
| Citizens National Bank of Texas P. O. BOX 717 WAXAHACHIE, TX 75168 |
* | $ 727,329,000 | 1 | $ 125,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 220,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 80,000 |
| Amplify Credit Union 3600 W PARMER LANE AUSTIN, TX 78727 |
* | $ 757,154,000 | 1 | $ 5,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 216,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 154,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 254,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 9,237,936,000 | 1 | $ 147,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 176,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 120,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 106,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 133,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 42,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 182,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 16,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 6,823,816,000 | 1 | $ 50,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 81,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 6,642,171,000 | 1 | $ 98,000 |
The tables below break down 2016 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 2016
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 | 81 | $10,553,000 | $130,000 | $337,000 | $72,000 | $342,000 |
| Refinancing | 36 | $4,940,000 | $137,000 | $349,000 | $46,000 | $165,000 |
| Home Improvement | 11 | $310,000 | $28,000 | $100,000 | $74,000 | $174,000 |
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 | 84 | $11,007,000 | $131,000 | $337,000 | $74,000 | $342,000 |
| Hispanic | 17 | $1,374,000 | $80,000 | $133,000 | $55,000 | $167,000 |
| Not applicable | 13 | $1,515,000 | $116,000 | $254,000 | $18,000 | $108,000 |
| Not Provided | 10 | $1,467,000 | $146,000 | $349,000 | $70,000 | $163,000 |
| Black or African American | 2 | $144,000 | $72,000 | $80,000 | $43,000 | $47,000 |
| American Indian or Alaskan Native | 2 | $296,000 | $148,000 | $183,000 | $55,000 | $71,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 68 | $7,254,000 | $106,000 | $337,000 | $82,000 | $342,000 |
| FHA-insured (Federal Housing Administration) | 33 | $4,117,000 | $124,000 | $276,000 | $43,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,316,000 | $184,000 | $349,000 | $45,000 | $165,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,116,000 | $124,000 | $184,000 | $47,000 | $69,000 |
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 | 53 | $7,320,000 | $138,000 | $337,000 | $73,000 | $342,000 |
| Application Denied By Financial Institution | 34 | $3,246,000 | $95,000 | $349,000 | $57,000 | $174,000 |
| Loan Purchased By The Institution | 17 | $2,152,000 | $126,000 | $254,000 | $25,000 | $108,000 |
| Application Withdrawn By Applicant | 12 | $1,813,000 | $151,000 | $254,000 | $91,000 | $175,000 |
| File Closed For Incompleteness | 8 | $952,000 | $119,000 | $172,000 | $38,000 | $120,000 |
| Application Approved But Not Accepted | 4 | $320,000 | $80,000 | $124,000 | $157,000 | $289,000 |
| 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 | $186,000 | $23,000 | $50,000 | $68,000 | $174,000 |
| Debt-To-Income Ratio | 3 | $305,000 | $101,000 | $126,000 | $21,000 | $46,000 |
| Credit Application Incomplete | 3 | $211,000 | $70,000 | $83,000 | $67,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $175,000 | $87,000 | $118,000 | $65,000 | $70,000 |
| Collateral | 1 | $197,000 | $197,000 | $197,000 | $88,000 | $88,000 |
| Employment History | 1 | $69,000 | $69,000 | $69,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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