Oldham County, TX Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 76 mortgage applications in Oldham County, TX totaling $5.1 million, down 32% from 2003. The average application was for $66,000, and applicants reported an average income of $48,000. 42% of applications resulted in an originated loan and 25% were denied. The most active lender was Amarillo National Bank, with 11 applications, followed by JPMorgan Chase Bank, NA and Vanderbilt Mortgage.
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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 | 76 |
| Total Mortgage Loan Application Amount | $5,066,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $228,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $288,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 1,501,901,000 | 11 | $ 928,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 7 | $ 302,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 197,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 4 | $ 459,000 |
| Firstbank Southwest 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 418,534,000 | 4 | $ 222,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 257,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 3 | $ 53,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 217,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 89,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 3 | $ 185,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 3 | $ 215,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 3 | $ 165,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 2 | $ 310,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 130,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 2 | $ 158,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 170,830,000 | 2 | $ 145,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 1 | $ 20,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 37,000 |
| Realty Mortgage 215 KATHERINE DR. FLOWOOD, MS 39232 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Washingtion Mutual Finance Cor 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 1 | $ 55,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 10,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 1 | $ 158,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 1,175,244,000 | 1 | $ 86,000 |
| Herring National Bank 2201 CIVIC CIRCLE AMARILLO, TX 79102 |
* | $ 332,958,000 | 1 | $ 14,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 1 | $ 84,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 1,699,241,000 | 1 | $ 107,000 |
| Encore Bank NINE GREENWAY PLAZA SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,321,973,000 | 1 | $ 97,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Extraco Mortgage 7503 BOSQUE BLVD WACO, TX 76712 |
* | $ 226,325,000 | 1 | $ 76,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 112,000 |
The tables below break down 2004 mortgage applications in Oldham 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 Oldham County, TX in 2004
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 | 43 | $3,244,000 | $75,000 | $228,000 | $47,000 | $113,000 |
| Refinancing | 24 | $1,679,000 | $69,000 | $161,000 | $55,000 | $288,000 |
| Home Improvement | 9 | $143,000 | $15,000 | $30,000 | $37,000 | $79,000 |
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 | 53 | $3,798,000 | $71,000 | $228,000 | $46,000 | $108,000 |
| Not Provided | 10 | $758,000 | $75,000 | $149,000 | $65,000 | $288,000 |
| Hispanic | 8 | $296,000 | $37,000 | $86,000 | $45,000 | $113,000 |
| Not applicable | 5 | $214,000 | $42,000 | $81,000 | $22,000 | $45,000 |
| 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) | 63 | $3,959,000 | $62,000 | $228,000 | $50,000 | $288,000 |
| FHA-insured (Federal Housing Administration) | 9 | $623,000 | $69,000 | $107,000 | $38,000 | $51,000 |
| VA-guaranteed (Veterans Administration) | 4 | $484,000 | $121,000 | $176,000 | $42,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 32 | $2,263,000 | $70,000 | $228,000 | $49,000 | $105,000 |
| Application Denied By Financial Institution | 19 | $1,016,000 | $53,000 | $189,000 | $37,000 | $94,000 |
| Application Approved But Not Accepted | 10 | $785,000 | $78,000 | $176,000 | $45,000 | $113,000 |
| Loan Purchased By The Institution | 10 | $665,000 | $66,000 | $158,000 | $34,000 | $62,000 |
| Application Withdrawn By Applicant | 3 | $157,000 | $52,000 | $84,000 | $71,000 | $108,000 |
| File Closed For Incompleteness | 2 | $180,000 | $90,000 | $112,000 | $162,000 | $288,000 |
| 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 | 5 | $207,000 | $41,000 | $77,000 | $30,000 | $38,000 |
| Debt-To-Income Ratio | 5 | $376,000 | $75,000 | $189,000 | $50,000 | $94,000 |
| Credit Application Incomplete | 2 | $201,000 | $100,000 | $115,000 | $60,000 | $85,000 |
| Other | 1 | $20,000 | $20,000 | $20,000 | $39,000 | $39,000 |
| Employment History | 1 | $12,000 | $12,000 | $12,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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