Oldham County, TX Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 85 mortgage applications in Oldham County, TX totaling $14.1 million, down 6% from 2020. The average application was for $166,000, and applicants reported an average income of $103,000. 48% of applications resulted in an originated loan and 13% were denied. The most active lender was Happy State Bank, with 11 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st 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 | 85 |
| Total Mortgage Loan Application Amount | $14,135,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $340,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 3,824,411,000 | 11 | $ 2,135,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 7 | $ 705,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 6 | $ 830,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 5,700,689,000 | 5 | $ 495,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 4 | $ 1,020,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 720,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 1,036,653,000 | 3 | $ 765,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 640,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 220,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 290,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 300,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 330,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 170,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 390,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 365,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 75,000 |
| The People's Federal Credit Union PO BOX 9335 AMARILLO, TX 79109 |
* | $ 194,358,000 | 1 | $ 85,000 |
| Education Credit Union 4400 INTERSTATE 40 WEST AMARILLO, TX 79106 |
* | $ 278,059,000 | 1 | $ 25,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 95,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 525,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 245,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 195,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 135,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 205,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 135,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 255,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 1,370,041,000 | 1 | $ 165,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 205,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
| Access Community Credit Union 6401 BELL ST. AMARILLO, TX 79114 |
* | $ 128,502,000 | 1 | $ 55,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 8,228,226,000 | 1 | $ 65,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 175,000 |
| Acfcu Federal Credit Union 6100 I-40 WEST AMARILLO, TX 79106 |
* | $ 242,069,000 | 1 | $ 45,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 1 | $ 105,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 1,005,002,000 | 1 | $ 155,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 355,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 3,461,210,000 | 1 | $ 45,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2021 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 2021
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 | 51 | $8,975,000 | $175,000 | $525,000 | $94,000 | $322,000 |
| Refinancing | 23 | $3,785,000 | $164,000 | $355,000 | $127,000 | $340,000 |
| Cash-out Refinancing | 8 | $1,040,000 | $130,000 | $295,000 | $112,000 | $224,000 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $23,000 | $23,000 |
| Not Applicable | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Other Purpose | 1 | $205,000 | $205,000 | $205,000 | $166,000 | $166,000 |
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 | 51 | $8,335,000 | $163,000 | $525,000 | $110,000 | $340,000 |
| Not Provided | 15 | $2,405,000 | $160,000 | $325,000 | $87,000 | $242,000 |
| Not applicable | 11 | $2,155,000 | $195,000 | $365,000 | $169,000 | $169,000 |
| Hispanic | 7 | $1,005,000 | $143,000 | $245,000 | $72,000 | $89,000 |
| American Indian or Alaskan Native | 1 | $235,000 | $235,000 | $235,000 | $113,000 | $113,000 |
| 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) | 62 | $10,050,000 | $162,000 | $525,000 | $106,000 | $340,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,970,000 | $185,000 | $365,000 | $104,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 4 | $630,000 | $157,000 | $225,000 | $74,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $485,000 | $161,000 | $195,000 | $77,000 | $87,000 |
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 | 41 | $7,045,000 | $171,000 | $525,000 | $109,000 | $340,000 |
| Loan Purchased By The Institution | 12 | $2,320,000 | $193,000 | $365,000 | $254,000 | $340,000 |
| Application Denied By Financial Institution | 11 | $1,385,000 | $125,000 | $285,000 | $77,000 | $174,000 |
| Application Withdrawn By Applicant | 9 | $1,605,000 | $178,000 | $355,000 | $106,000 | $175,000 |
| File Closed For Incompleteness | 5 | $785,000 | $157,000 | $235,000 | $69,000 | $117,000 |
| Application Approved But Not Accepted | 5 | $595,000 | $119,000 | $205,000 | $78,000 | $109,000 |
| Preapproval Approved but not Accepted | 2 | $400,000 | $200,000 | $315,000 | $119,000 | $205,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 74 | $12,750,000 | $172,000 | $525,000 | $108,000 | $340,000 |
| Debt-To-Income Ratio | 4 | $550,000 | $137,000 | $285,000 | $28,000 | $39,000 |
| Credit Application Incomplete | 3 | $315,000 | $105,000 | $135,000 | $111,000 | $174,000 |
| Credit History | 1 | $15,000 | $15,000 | $15,000 | $168,000 | $168,000 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Unverifiable Information | 1 | $145,000 | $145,000 | $145,000 | $76,000 | $76,000 |
| Collateral | 1 | $225,000 | $225,000 | $225,000 | $89,000 | $89,000 |
| 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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