Panola County, TX Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 567 mortgage applications in Panola County, TX totaling $59.2 million, up 11% from 2011. The average application was for $104,000, and applicants reported an average income of $72,000. 39% of applications resulted in an originated loan and 30% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 72 applications, followed by 21st Mortgage and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 567
Total Mortgage Loan Application Amount $59,224,000
Average Mortgage Loan Application Amount $104,000
Highest Mortgage Loan Application Amount $910,000
Average Applicant Income $72,000
Highest Applicant Income $873,000

Mortgage Company List for Lending in Panola County, TX for 2012

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 72 $ 4,850,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 47 $ 2,585,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 47 $ 6,557,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 32 $ 5,186,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 27 $ 3,146,000
Texas Bank
P O BOX 1190
HENDERSON, TX 75652
* $ 290,528,000 22 $ 682,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 20 $ 1,742,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 19 $ 2,939,000
Verabank,N.A.
P.O. BOX 1009
HENDERSON, TX 75653
* $ 896,948,000 17 $ 1,141,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 71,108,281,000 14 $ 707,000
Citizens Bank
301 E MAIN ST
KILGORE, TX 75662
* $ 337,974,000 14 $ 619,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 10 $ 1,271,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 12,990,345,000 8 $ 622,000
Prosperity Bank
1301 N MECHANIC
EL CAMPO, TX 77437
* $ 9,816,225,000 8 $ 672,000
East Texas Professional C.U.
409 E. LOOP 281
LONGVIEW, TX 75605
* $ 489,923,000 7 $ 518,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,507,508,000 7 $ 994,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 6 $ 740,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 6 $ 602,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 6 $ 1,027,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 6 $ 929,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 5 $ 779,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 5 $ 670,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 380,000
Commercial Bank of Texas, NA
215 E MAIN ST
NACOGDOCHES, TX 75961
* $ 451,384,000 5 $ 629,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 5 $ 421,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 5 $ 708,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 5 $ 765,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 4 $ 577,000
Austin Bank, Texas National Association
PO BOX 1537
JACKSONVILLE, TX 75766
* $ 1,328,143,000 4 $ 403,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 750,000
Sabine State Bank and Trust Company
765 SHREVEPORT HWY
MANY, LA 71449
* $ 683,714,000 4 $ 454,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 227,903,000 3 $ 356,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 3 $ 133,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 3 $ 83,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 124,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE 2
MURRAY, UT 84107
* $ 10,000,000 2 $ 264,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 2 $ 304,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 325,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 192,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 2 $ 168,000
Viewpoint Bank, N.A.
1309 W 15TH, SUITE 302
PLANO, TX 75075
* $ 3,179,743,000 2 $ 264,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 320,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 2 $ 195,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 2 $ 120,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 2 $ 400,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 2 $ 241,000
Town Square Mortgage & Investments LLC
17300 DALLAS PKWY, STE 1030
DALLAS, TX 75248
* $ 1,000,000,000 2 $ 263,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 2 $ 259,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 200,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 306,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 2 $ 259,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 201,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 840,006,000 2 $ 102,000
Citizens Bank and Trust Co
PO BOX 992
VIVIAN, LA 71082
* $ 147,620,000 2 $ 350,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 2,520,100,000 2 $ 231,000
Henderson Federal Savings Bank
130 N MARSHALL ST.
HENDERSON, TX 75652
* $ 108,515,000 2 $ 186,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,562,678,000 2 $ 102,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 2 $ 411,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 601,825,000 2 $ 343,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 123,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 1 $ 200,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 1 $ 138,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 61,000
Americash
3080 BRISTOL STREET, SUITE 300
COSTA MESA, CA 92626
* $ 10,000,000 1 $ 163,000
Greater Texas Federal Credit Union
6411 N LAMAR BLVD
AUSTIN, TX 78752
* $ 488,362,000 1 $ 96,000
The Peoples State Bank
880 SAN ANTONIO AVE
MANY, LA 71449
* $ 496,632,000 1 $ 3,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 75,989,000 1 $ 64,000
Gibsland Bank & Trust
1246 3RD STREET
GIBSLAND, LA 71028
* $ 263,331,000 1 $ 40,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 1 $ 58,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 1 $ 89,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 4,479,945,000 1 $ 158,000
Viewpoint Bankers Mortgage Inc
720 E. ARAPAHO
RICHARDSON, TX 75081
* $ 1,529,760,000 1 $ 266,000
First Financial Bank
214 N WASHINGTON STREET
EL DORADO, AR 71730
* $ 791,266,000 1 $ 910,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 1 $ 291,000
First Bank & Trust East Texas
104 N TEMPLE BLVD
DIBOLL, TX 75941
* $ 800,812,000 1 $ 95,000
Benchmark Bank
5700 LEGACY DRIVE STE. 10
PLANO, TX 75024
* $ 358,515,000 1 $ 198,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 9,621,944,000 1 $ 33,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 162,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 1,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 83,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 1 $ 168,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 409,000
Houstonian Mortgage Group Inc
11490 WESTHEIMER #825
HOUSTON, TX 77077
* $ 17,008,000 1 $ 82,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 83,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 192,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 1 $ 416,000
Lrs Financial Network dba Hnb Mortgage
2101 W. WADLEY STE. 36
MIDLAND, TX 79705
* $ 11,322,000 1 $ 333,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 50,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 171,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 1 $ 60,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ 10,000,000 1 $ 133,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 311,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 80,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 141,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 161,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 134,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 68,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 1 $ 95,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,488,863,000 1 $ 10,000
First Community Bank NA
3 SUGAR CREEK CENTER BLVD SUITE 200
SUGAR LAND, TX 77478
* $ 634,177,000 1 $ 32,000
Home Federal Bank
222 FLORIDA STREET
SHREVEPORT, LA 71105
* $ 252,662,000 1 $ 130,000
Kilgore National Bank
410 N KILGORE STREET
KILGORE, TX 75662
* $ 85,700,000 1 $ 108,000
Encore Bank, NA
NINE GREENWAY PLAZA, SUITE 1000
HOUSTON, TX 77046
* $ 1,514,363,000 1 $ 33,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 944,344,000 1 $ 8,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,612,081,000 1 $ 253,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 165,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 63,106,987,000 1 $ 67,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 1 $ 1,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 30,000

The tables below break down 2012 mortgage applications in Panola 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 Panola County, TX in 2012

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 307 $30,260,000 $98,000 $333,000 $64,000 $873,000
Refinancing 204 $27,686,000 $135,000 $910,000 $86,000 $518,000
Home Improvement 56 $1,278,000 $22,000 $154,000 $68,000 $211,000

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 415 $45,584,000 $109,000 $910,000 $79,000 $518,000
Black or African American 65 $4,466,000 $68,000 $186,000 $59,000 $873,000
Not Provided 31 $3,610,000 $116,000 $409,000 $64,000 $200,000
Not applicable 25 $2,878,000 $115,000 $409,000 $25,000 $137,000
Hispanic 21 $1,416,000 $67,000 $333,000 $64,000 $150,000
American Indian or Alaskan Native 5 $704,000 $140,000 $202,000 $69,000 $127,000
Asian 4 $524,000 $131,000 $219,000 $43,000 $114,000
Native Hawaiian or Other Pacific Islander 1 $42,000 $42,000 $42,000 $69,000 $69,000

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) 438 $41,670,000 $95,000 $416,000 $77,000 $873,000
FHA-insured (Federal Housing Administration) 83 $10,940,000 $131,000 $234,000 $53,000 $137,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 28 $3,846,000 $137,000 $910,000 $46,000 $289,000
VA-guaranteed (Veterans Administration) 18 $2,768,000 $153,000 $311,000 $78,000 $276,000

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 220 $23,455,000 $106,000 $910,000 $84,000 $873,000
Application Denied By Financial Institution 170 $15,088,000 $88,000 $350,000 $59,000 $205,000
Loan Purchased By The Institution 78 $10,672,000 $136,000 $416,000 $62,000 $276,000
Application Approved But Not Accepted 51 $3,314,000 $64,000 $266,000 $62,000 $183,000
Application Withdrawn By Applicant 33 $4,880,000 $147,000 $255,000 $97,000 $518,000
File Closed For Incompleteness 14 $1,684,000 $120,000 $219,000 $75,000 $132,000
Preapproval Approved but not Accepted 1 $131,000 $131,000 $131,000 $47,000 $47,000
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
Credit History 59 $5,213,000 $88,000 $350,000 $61,000 $205,000
Debt-To-Income Ratio 18 $1,653,000 $91,000 $221,000 $53,000 $95,000
Other 14 $1,439,000 $102,000 $165,000 $74,000 $136,000
Collateral 13 $1,506,000 $115,000 $251,000 $82,000 $196,000
Credit Application Incomplete 2 $279,000 $139,000 $165,000 $86,000 $126,000
Employment History 2 $98,000 $49,000 $93,000 $56,000 $100,000
Insufficient Cash (Downpayment, Closing Cost) 2 $103,000 $51,000 $68,000 $37,000 $46,000
Unverifiable Information 1 $34,000 $34,000 $34,000 $80,000 $80,000
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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