Oldham County, TX Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 51 mortgage applications in Oldham County, TX totaling $5.8 million, up 2% from 2012. The average application was for $112,000, and applicants reported an average income of $93,000. 47% of applications resulted in an originated loan and 24% were denied. The most active lender was Amarillo National Bank, with 9 applications, followed by Wells Fargo Bank NA and Happy State 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 | 51 |
| Total Mortgage Loan Application Amount | $5,750,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $388,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $683,000 |
| 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 |
* | $ 3,614,792,000 | 9 | $ 584,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 9 | $ 1,274,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 1,999,321,000 | 5 | $ 773,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 3 | $ 227,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 1,158,513,000 | 2 | $ 194,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 185,876,000 | 2 | $ 302,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 4,472,275,000 | 2 | $ 258,000 |
| Acfcu Federal Credit Union 6100 I-40 WEST AMARILLO, TX 79106 |
* | $ 192,480,000 | 2 | $ 122,000 |
| Rmc Vanguard 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 20,000,000 | 1 | $ 164,000 |
| The People's Federal Credit Union PO BOX 9335 AMARILLO, TX 79109 |
* | $ 151,632,000 | 1 | $ 74,000 |
| Access Community Credit Union 6401 BELL ST. AMARILLO, TX 79114 |
* | $ 90,565,000 | 1 | $ 74,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 1 | $ 60,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,587,134,000 | 1 | $ 180,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 14,590,421,000 | 1 | $ 119,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 81,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 1 | $ 90,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 100,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 124,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 1 | $ 65,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 61,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 241,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 35,000 |
The tables below break down 2013 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 2013
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 | 25 | $3,075,000 | $123,000 | $352,000 | $70,000 | $165,000 |
| Home Purchase | 22 | $2,584,000 | $117,000 | $388,000 | $120,000 | $683,000 |
| Home Improvement | 4 | $91,000 | $22,000 | $40,000 | $86,000 | $144,000 |
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 | 43 | $5,078,000 | $118,000 | $388,000 | $101,000 | $683,000 |
| Not Provided | 3 | $254,000 | $84,000 | $164,000 | $85,000 | $129,000 |
| Not applicable | 2 | $187,000 | $93,000 | $98,000 | $0 | $0 |
| Hispanic | 2 | $101,000 | $50,000 | $61,000 | $57,000 | $96,000 |
| American Indian or Alaskan Native | 1 | $130,000 | $130,000 | $130,000 | $20,000 | $20,000 |
| 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) | 38 | $4,186,000 | $110,000 | $388,000 | $111,000 | $683,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,274,000 | $127,000 | $241,000 | $39,000 | $98,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $180,000 | $90,000 | $90,000 | $40,000 | $40,000 |
| VA-guaranteed (Veterans Administration) | 1 | $110,000 | $110,000 | $110,000 | $48,000 | $48,000 |
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 | 24 | $2,484,000 | $103,000 | $388,000 | $134,000 | $683,000 |
| Application Denied By Financial Institution | 12 | $1,420,000 | $118,000 | $352,000 | $62,000 | $165,000 |
| Application Withdrawn By Applicant | 6 | $872,000 | $145,000 | $241,000 | $49,000 | $91,000 |
| Loan Purchased By The Institution | 6 | $660,000 | $110,000 | $164,000 | $39,000 | $98,000 |
| File Closed For Incompleteness | 2 | $294,000 | $147,000 | $164,000 | $81,000 | $90,000 |
| Application Approved But Not Accepted | 1 | $20,000 | $20,000 | $20,000 | $67,000 | $67,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 4 | $677,000 | $169,000 | $352,000 | $31,000 | $58,000 |
| Credit History | 2 | $170,000 | $85,000 | $130,000 | $58,000 | $96,000 |
| Collateral | 1 | $60,000 | $60,000 | $60,000 | $108,000 | $108,000 |
| Credit Application Incomplete | 1 | $200,000 | $200,000 | $200,000 | $165,000 | $165,000 |
| Other | 1 | $63,000 | $63,000 | $63,000 | $73,000 | $73,000 |
| 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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