In 2013, lenders reported 367 mortgage applications in Morris County, TX totaling $28.3 million, up 13% from 2012. The average application was for $77,000, and applicants reported an average income of $64,000. 49% of applications resulted in an originated loan and 23% were denied. The most active lender was North East Texas Credit Union, with 91 applications, followed by Cypress Bank State Savings Bank 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 | 367 |
| Total Mortgage Loan Application Amount | $28,282,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $333,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $622,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| North East Texas Credit Union PO BOX 1480 LONE STAR, TX 75638 |
* | $ 124,266,000 | 91 | $ 4,130,000 |
| Cypress Bank State Savings Bank 120 S GREER BLVD PITTSBURG, TX 75686 |
* | $ 172,698,000 | 31 | $ 2,472,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 27 | $ 2,681,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 26 | $ 1,153,000 |
| Guaranty Bank & Trust 100 W ARKANSAS ST MT PLEASANT, TX 75455 |
* | $ 1,160,667,000 | 25 | $ 2,022,000 |
| Texas Heritage National Bank 107 WEBB STREET DAINGERFIELD, TX 75638 |
* | $ 105,286,000 | 12 | $ 427,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 580,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 8 | $ 934,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 635,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 6 | $ 679,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 865,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 432,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 6 | $ 615,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 5 | $ 305,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 4 | $ 310,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 4 | $ 251,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 4 | $ 600,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 3 | $ 207,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 3 | $ 168,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 267,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 3 | $ 251,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 3 | $ 150,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 560,000 |
| East Texas Professional C.U. 409 E. LOOP 281 LONGVIEW, TX 75605 |
* | $ 520,985,000 | 3 | $ 119,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 127,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 2 | $ 307,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 185,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 98,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 2 | $ 295,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 2 | $ 24,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 209,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 175,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 2 | $ 258,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 207,000 |
| Commercial Bank of Texas, NA 215 E MAIN ST NACOGDOCHES, TX 75961 |
* | $ 484,725,000 | 2 | $ 216,000 |
| Gladewater National Bank 678 N MAIN GLADEWATER, TX 75647 |
* | $ 47,807,000 | 1 | $ 102,000 |
| Texas National Bank of Jacksonville 1518 E GRANDE BLVD TYLER, TX 75703 |
* | $ 340,381,000 | 1 | $ 64,000 |
| Spring Hill State Bank 3700 GILMER ROAD LONGVIEW, TX 75604 |
* | $ 171,570,000 | 1 | $ 30,000 |
| Community Bank PO BOX 2232 LONGVIEW, TX 75606 |
* | $ 161,238,000 | 1 | $ 71,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,751,541,000 | 1 | $ 149,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 638,197,000 | 1 | $ 52,000 |
| The First National Bank of Winnsboro 315 N. MAIN P.O. BOX 29 WINNSBORO, TX 75494 |
* | $ 140,698,000 | 1 | $ 35,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ 157,773,000 | 1 | $ 32,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 240,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 79,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 100,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 172,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 186,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 85,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 146,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 251,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 1 | $ 136,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 72,000 |
| Resource One Credit Union 8344 ERL THORNTON FWY. STE 110 DALLAS, TX 75228 |
* | $ 371,842,000 | 1 | $ 97,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 334,303,000 | 1 | $ 91,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,587,134,000 | 1 | $ 107,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 171,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 36,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 100,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 149,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 118,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 1 | $ 230,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 31,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 102,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 107,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 49,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 171,000 |
The tables below break down 2013 mortgage applications in Morris County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 184 | $13,742,000 | $74,000 | $207,000 | $63,000 | $343,000 |
| Refinancing | 120 | $12,756,000 | $106,000 | $333,000 | $71,000 | $622,000 |
| Home Improvement | 63 | $1,784,000 | $28,000 | $131,000 | $53,000 | $276,000 |
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 | 243 | $19,816,000 | $81,000 | $333,000 | $74,000 | $622,000 |
| Black or African American | 57 | $3,497,000 | $61,000 | $205,000 | $49,000 | $276,000 |
| Hispanic | 22 | $980,000 | $44,000 | $176,000 | $42,000 | $100,000 |
| Not applicable | 22 | $1,754,000 | $79,000 | $251,000 | $17,000 | $131,000 |
| Not Provided | 20 | $2,026,000 | $101,000 | $230,000 | $59,000 | $323,000 |
| Asian | 2 | $106,000 | $53,000 | $75,000 | $73,000 | $147,000 |
| American Indian or Alaskan Native | 1 | $103,000 | $103,000 | $103,000 | $42,000 | $42,000 |
| 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) | 281 | $20,084,000 | $71,000 | $333,000 | $73,000 | $622,000 |
| FHA-insured (Federal Housing Administration) | 47 | $4,170,000 | $88,000 | $187,000 | $30,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,423,000 | $100,000 | $141,000 | $44,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,605,000 | $107,000 | $186,000 | $33,000 | $85,000 |
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 | 178 | $11,963,000 | $67,000 | $333,000 | $68,000 | $323,000 |
| Application Denied By Financial Institution | 84 | $6,853,000 | $81,000 | $205,000 | $49,000 | $240,000 |
| Loan Purchased By The Institution | 44 | $4,316,000 | $98,000 | $333,000 | $44,000 | $323,000 |
| Application Approved But Not Accepted | 26 | $1,905,000 | $73,000 | $183,000 | $88,000 | $384,000 |
| Application Withdrawn By Applicant | 24 | $2,282,000 | $95,000 | $240,000 | $87,000 | $622,000 |
| File Closed For Incompleteness | 11 | $963,000 | $87,000 | $132,000 | $81,000 | $213,000 |
| 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 | 27 | $1,733,000 | $64,000 | $192,000 | $50,000 | $219,000 |
| Debt-To-Income Ratio | 13 | $1,086,000 | $83,000 | $202,000 | $49,000 | $240,000 |
| Collateral | 12 | $1,392,000 | $116,000 | $194,000 | $61,000 | $94,000 |
| Other | 6 | $659,000 | $109,000 | $186,000 | $29,000 | $77,000 |
| Unverifiable Information | 3 | $206,000 | $68,000 | $100,000 | $44,000 | $100,000 |
| Employment History | 2 | $147,000 | $73,000 | $75,000 | $30,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $166,000 | $166,000 | $166,000 | $80,000 | $80,000 |
| Credit Application Incomplete | 1 | $118,000 | $118,000 | $118,000 | $34,000 | $34,000 |
| 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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