Oldham County, TX Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 90 mortgage applications in Oldham County, TX totaling $7.3 million, up 18% from 2004. The average application was for $81,000, and applicants reported an average income of $55,000. 32% of applications resulted in an originated loan and 33% were denied. The most active lender was Countrywide Home Loans, with 12 applications, followed by Vanderbilt Mortgage and Amarillo National Bank.
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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 | 90 |
| Total Mortgage Loan Application Amount | $7,339,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $234,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $165,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 12 | $ 1,081,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 490,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 1,605,726,000 | 9 | $ 480,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 461,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 237,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 4 | $ 406,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 3 | $ 282,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 2 | $ 196,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 255,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 387,012,000 | 2 | $ 370,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 2 | $ 213,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 130,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 2 | $ 206,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 120,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 2 | $ 82,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 2 | $ 112,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 139,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 38,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 357,154,000 | 1 | $ 96,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 1 | $ 45,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 505,795,000 | 1 | $ 6,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 451,617,000 | 1 | $ 13,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 127,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Central Pacfic Mortgage 950 IRON POINT RD SUITE 200 FOLSOM, CA 95630 |
* | $ 31,000,000 | 1 | $ 53,000 |
| Lending Street,Llc 3440 BELL SUITE 326 AMARILLO, TX 79109 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 1 | $ 46,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 234,000 |
| Coastal Capital Corp 1 PLAZA ROAD GREENVALE, NY 11548 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 1 | $ 108,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 1 | $ 12,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 852,606,000 | 1 | $ 167,000 |
The tables below break down 2005 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 2005
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 | 45 | $3,694,000 | $82,000 | $234,000 | $56,000 | $165,000 |
| Refinancing | 38 | $3,290,000 | $86,000 | $185,000 | $56,000 | $160,000 |
| Home Improvement | 7 | $355,000 | $50,000 | $200,000 | $47,000 | $64,000 |
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 | 66 | $5,639,000 | $85,000 | $234,000 | $61,000 | $165,000 |
| Not Provided | 10 | $542,000 | $54,000 | $92,000 | $45,000 | $108,000 |
| Not applicable | 7 | $570,000 | $81,000 | $144,000 | $8,000 | $42,000 |
| Hispanic | 6 | $512,000 | $85,000 | $127,000 | $53,000 | $82,000 |
| American Indian or Alaskan Native | 1 | $76,000 | $76,000 | $76,000 | $47,000 | $47,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 85 | $6,881,000 | $80,000 | $234,000 | $57,000 | $165,000 |
| FHA-insured (Federal Housing Administration) | 5 | $458,000 | $91,000 | $127,000 | $32,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 30 | $2,283,000 | $76,000 | $204,000 | $55,000 | $165,000 |
| Loan Originated | 29 | $2,394,000 | $82,000 | $234,000 | $58,000 | $160,000 |
| Application Withdrawn By Applicant | 13 | $895,000 | $68,000 | $177,000 | $52,000 | $125,000 |
| Loan Purchased By The Institution | 11 | $1,155,000 | $105,000 | $185,000 | $56,000 | $160,000 |
| Application Approved But Not Accepted | 5 | $344,000 | $68,000 | $90,000 | $35,000 | $82,000 |
| File Closed For Incompleteness | 2 | $268,000 | $134,000 | $178,000 | $67,000 | $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 | $553,000 | $69,000 | $185,000 | $59,000 | $165,000 |
| Other | 8 | $603,000 | $75,000 | $176,000 | $66,000 | $115,000 |
| Collateral | 4 | $273,000 | $68,000 | $77,000 | $59,000 | $85,000 |
| Debt-To-Income Ratio | 2 | $222,000 | $111,000 | $158,000 | $30,000 | $45,000 |
| Credit Application Incomplete | 1 | $77,000 | $77,000 | $77,000 | $47,000 | $47,000 |
| Unverifiable Information | 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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