Oldham County, TX Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 51 mortgage applications in Oldham County, TX totaling $4.6 million, down 19% from 2010. The average application was for $89,000, and applicants reported an average income of $64,000. 63% of applications resulted in an originated loan and 14% were denied. The most active lender was Amarillo National Bank, with 13 applications, followed by Happy State Bank and Bank of America 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 | 51 |
| Total Mortgage Loan Application Amount | $4,580,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $357,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $143,000 |
| 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 |
* | $ 2,785,278,000 | 13 | $ 794,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 1,576,572,000 | 7 | $ 704,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 7 | $ 740,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 1,655,998,000 | 3 | $ 125,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 2 | $ 174,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 251,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 122,415,000 | 2 | $ 174,000 |
| Access Community Credit Union 6401 BELL ST. AMARILLO, TX 79114 |
* | $ 84,309,000 | 2 | $ 106,000 |
| Education Credit Union 4400 INTERSTATE 40 WEST AMARILLO, TX 79106 |
* | $ 149,302,000 | 1 | $ 34,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 1 | $ 173,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 1 | $ 120,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 1 | $ 54,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 125,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ 621,304,000 | 1 | $ 54,000 |
| Acfcu Federal Credit Union 6100 I-40 WEST AMARILLO, TX 79106 |
* | $ 163,984,000 | 1 | $ 45,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 173,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 87,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 357,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 12,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 152,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 126,000 |
The tables below break down 2011 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 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 29 | $2,752,000 | $94,000 | $357,000 | $64,000 | $143,000 |
| Home Purchase | 16 | $1,768,000 | $110,000 | $250,000 | $63,000 | $109,000 |
| Home Improvement | 6 | $60,000 | $10,000 | $25,000 | $67,000 | $120,000 |
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 | 45 | $3,956,000 | $87,000 | $250,000 | $67,000 | $143,000 |
| Not applicable | 2 | $411,000 | $205,000 | $357,000 | $0 | $0 |
| Not Provided | 2 | $196,000 | $98,000 | $98,000 | $55,000 | $55,000 |
| American Indian or Alaskan Native | 1 | $5,000 | $5,000 | $5,000 | $81,000 | $81,000 |
| Hispanic | 1 | $12,000 | $12,000 | $12,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 35 | $2,918,000 | $83,000 | $357,000 | $67,000 | $143,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,018,000 | $113,000 | $173,000 | $60,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $348,000 | $87,000 | $98,000 | $55,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 3 | $296,000 | $98,000 | $125,000 | $54,000 | $86,000 |
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 | 32 | $2,718,000 | $84,000 | $250,000 | $68,000 | $143,000 |
| Loan Purchased By The Institution | 8 | $1,091,000 | $136,000 | $357,000 | $62,000 | $115,000 |
| Application Denied By Financial Institution | 7 | $584,000 | $83,000 | $130,000 | $56,000 | $140,000 |
| Application Approved But Not Accepted | 3 | $133,000 | $44,000 | $48,000 | $42,000 | $68,000 |
| Application Withdrawn By Applicant | 1 | $54,000 | $54,000 | $54,000 | $50,000 | $50,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $220,000 | $110,000 | $130,000 | $57,000 | $57,000 |
| Collateral | 1 | $121,000 | $121,000 | $121,000 | $140,000 | $140,000 |
| Credit History | 1 | $69,000 | $69,000 | $69,000 | $72,000 | $72,000 |
| 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 |
| 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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