In 2009, lenders reported 274 mortgage applications in Pecos County, TX totaling $23.2 million, down 12% from 2008. The average application was for $84,000, and applicants reported an average income of $61,000. 49% of applications resulted in an originated loan and 18% were denied. The most active lender was Guaranty Bond Bank, with 40 applications, followed by JPMorgan Chase Bank, NA and Wells Fargo Bank, 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 | 274 |
| Total Mortgage Loan Application Amount | $23,199,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $260,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $1,002,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Guaranty Bond Bank 100 W ARKANSAS MOUNT PLEASANT, TX 75455 |
* | $ 706,628,000 | 40 | $ 2,780,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 29 | $ 2,953,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 18 | $ 1,812,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 18 | $ 1,862,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 17 | $ 591,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 316,973,000 | 16 | $ 1,610,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 13 | $ 850,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 11 | $ 57,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 6 | $ 775,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 581,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 5 | $ 360,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 400,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 468,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 314,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 4 | $ 352,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 147,704,000 | 4 | $ 144,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 3 | $ 256,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 3 | $ 26,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 325,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 333,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 280,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 117,000 |
| Fort Davis State Bank P. O. BOX 1808 FORT DAVIS, TX 79734 |
* | $ 58,959,000 | 2 | $ 149,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 2 | $ 178,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 315,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 168,000 |
| Lrs Financial Network, Inc. 2101 W. WADLEY, STE # 33 MIDLAND, TX 79705 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Coastal Bend Mortgage, Inc. 5656 S. STAPLES #200 CORPUS CHRISTI, TX 78411 |
* | $ 10,000,000 | 2 | $ 198,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 2 | $ 300,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 488,155,000 | 2 | $ 254,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 2 | $ 138,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 221,000 |
| First National Bank of Mertzon, the P O BOX 589 MERTZON, TX 76941 |
* | $ 181,113,000 | 1 | $ 6,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 1 | $ 96,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 30,786,926,000 | 1 | $ 187,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 81,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Southwest Stage Funding LLC 6816 EAST BROWN ROAD MESA, AZ 85207 |
* | $ 5,889,539,000 | 1 | $ 114,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 70,000 |
| Classic Home Financial, Inc. 10700 RICHMOND AVENUE #150 HOUSTON, TX 77042 |
* | $ 428,000,000 | 1 | $ 59,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 152,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 56,000 |
| Suburban Mortgage Co of Nm 9401 JERONIMO ROAD STE 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 171,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 124,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 148,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 112,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,049,192,000 | 1 | $ 77,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 121,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ 579,695,000 | 1 | $ 8,000 |
| Cattleman's National Bank P O BOX 820 MARBLE FALLS, TX 78654 |
* | $ 70,521,000 | 1 | $ 58,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 143,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 96,000 |
| Pioneer Mortgage Company 3000 N. MAIN ST./P. O. BOX 130 ROSWELL, NM 88201 |
* | $ 226,357,000 | 1 | $ 68,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 232,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 75,000 |
| Western National Bank 2700 W. COUNTY ROAD ODESSA, TX 79764 |
* | $ 952,649,000 | 1 | $ 41,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 2,200,542,000 | 1 | $ 142,000 |
| West Texas National Bank 6 DESTA DRIVE STE 2400 MIDLAND, TX 79705 |
* | $ 531,380,000 | 1 | $ 32,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 53,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 1,862,835,000 | 1 | $ 76,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 31,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Sutherland Mortgage Services 5959 CORPORATE DR, SUITE 3000 HOUSTON, TX 77036 |
* | $ 37,000,000 | 1 | $ 75,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 111,000 |
The tables below break down 2009 mortgage applications in Pecos County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 141 | $13,960,000 | $99,000 | $260,000 | $50,000 | $157,000 |
| Refinancing | 105 | $8,688,000 | $82,000 | $236,000 | $78,000 | $1,002,000 |
| Home Improvement | 28 | $551,000 | $19,000 | $95,000 | $52,000 | $108,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 138 | $11,166,000 | $80,000 | $260,000 | $64,000 | $1,002,000 |
| White | 94 | $8,861,000 | $94,000 | $251,000 | $66,000 | $252,000 |
| Not applicable | 20 | $1,694,000 | $84,000 | $167,000 | $17,000 | $72,000 |
| Not Provided | 19 | $1,244,000 | $65,000 | $143,000 | $50,000 | $118,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $154,000 | $77,000 | $77,000 | $35,000 | $71,000 |
| American Indian or Alaskan Native | 1 | $80,000 | $80,000 | $80,000 | $409,000 | $409,000 |
| 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) | 186 | $13,290,000 | $71,000 | $260,000 | $70,000 | $1,002,000 |
| FHA-insured (Federal Housing Administration) | 46 | $5,901,000 | $128,000 | $251,000 | $58,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,232,000 | $93,000 | $148,000 | $13,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 18 | $1,776,000 | $98,000 | $186,000 | $42,000 | $75,000 |
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 | 133 | $11,412,000 | $85,000 | $260,000 | $63,000 | $252,000 |
| Loan Purchased By The Institution | 59 | $5,890,000 | $99,000 | $231,000 | $35,000 | $135,000 |
| Application Denied By Financial Institution | 49 | $2,960,000 | $60,000 | $180,000 | $77,000 | $1,002,000 |
| Application Withdrawn By Applicant | 16 | $1,471,000 | $91,000 | $185,000 | $104,000 | $409,000 |
| Application Approved But Not Accepted | 9 | $798,000 | $88,000 | $200,000 | $49,000 | $96,000 |
| File Closed For Incompleteness | 8 | $668,000 | $83,000 | $140,000 | $55,000 | $144,000 |
| 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 | 23 | $772,000 | $33,000 | $121,000 | $97,000 | $1,002,000 |
| Debt-To-Income Ratio | 8 | $640,000 | $80,000 | $167,000 | $35,000 | $62,000 |
| Collateral | 4 | $623,000 | $155,000 | $180,000 | $101,000 | $141,000 |
| Unverifiable Information | 2 | $93,000 | $46,000 | $56,000 | $118,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $159,000 | $159,000 | $159,000 | $135,000 | $135,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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