Rains County, TX Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 278 mortgage applications in Rains County, TX totaling $37.0 million, down 18% from 2008. The average application was for $133,000, and applicants reported an average income of $83,000. 41% of applications resulted in an originated loan and 21% were denied. The most active lender was Bank of America, N.A., with 28 applications, followed by Wells Fargo Bank, NA and JPMorgan Chase 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 | 278 |
| Total Mortgage Loan Application Amount | $36,985,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $952,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $1,328,000 |
* 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 |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 28 | $ 3,539,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 24 | $ 2,914,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 16 | $ 3,021,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 12 | $ 773,000 |
| Austin Bank, Texas National Association PO BOX 1537 JACKSONVILLE, TX 75766 |
* | $ 1,046,808,000 | 12 | $ 1,360,000 |
| American National Bank of Texa 102 W MOORE AVENUE TERRELL, TX 75160 |
* | $ 2,024,897,000 | 12 | $ 1,320,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 10 | $ 651,000 |
| Alliance Bank P.O. BOX 500 SULPHUR SPRINGS, TX 75483 |
* | $ 482,080,000 | 9 | $ 1,365,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 8 | $ 929,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 8 | $ 1,168,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 863,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 1,403,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 5 | $ 564,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 4 | $ 934,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 4 | $ 246,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 4 | $ 644,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 4 | $ 741,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 4 | $ 656,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 3 | $ 413,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 586,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 3 | $ 212,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 3 | $ 292,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 3 | $ 170,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 620,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,041,440,000 | 3 | $ 683,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 3 | $ 360,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 103,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 3 | $ 346,000 |
| Guaranty Bond Bank 100 W ARKANSAS MOUNT PLEASANT, TX 75455 |
* | $ 706,628,000 | 3 | $ 290,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 488,155,000 | 3 | $ 325,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 3 | $ 542,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 481,000 |
| Encore Bank, NA NINE GREENWAY PLAZA, SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,579,951,000 | 2 | $ 54,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 2 | $ 422,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 2 | $ 169,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,049,192,000 | 2 | $ 65,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 2 | $ 263,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 2 | $ 197,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 170,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 2 | $ 424,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 2 | $ 257,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 293,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 274,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Certified Funding, L.P. 17304 PRESTON RD STE 620 DALLAS, TX 75252 |
* | $ 10,000,000 | 1 | $ 20,000 |
| Earth Mortgage 2245 KELLER WAY CARROLLTON, TX 75006 |
* | $ 10,000,000 | 1 | $ 108,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 151,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 182,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 244,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ 22,642,000 | 1 | $ 237,000 |
| Resource One Credit Union 8344 ERL THORNTON FWY. STE 110 DALLAS, TX 75228 |
* | $ 262,236,000 | 1 | $ 252,000 |
| Lone Star Credit Union 7508 FERGUSON ROAD DALLAS, TX 75228 |
* | $ 82,725,000 | 1 | $ 85,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 56,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 108,000 |
| 4trust Mortgage, Inc. 4200 SOUTH HULEN STE 410 FORT WORTH, TX 76109 |
* | $ 10,000,000 | 1 | $ 339,000 |
| Reunion Mortgage, Inc 860 HILLVIEW COURT #300 MILPITAS, CA 95035 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 185,000 |
| Southwest Stage Funding LLC 6816 EAST BROWN ROAD MESA, AZ 85207 |
* | $ 5,889,539,000 | 1 | $ 110,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 266,000 |
| Your Federal Credit Union 8384 N. BELT LINE ROAD IRVING, TX 75063 |
* | $ 148,218,000 | 1 | $ 45,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 182,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 144,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 182,000 |
| Omniamerican Bank 1320 SOUTH UNIVERSITY DR SUITE 106 FORT WORTH, TX 76107 |
* | $ 1,067,945,000 | 1 | $ 130,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 248,000 |
| Home Federal Bank 624 MARKET ST SHREVEPORT, LA 71101 |
* | $ 155,772,000 | 1 | $ 86,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,039,978,000 | 1 | $ 336,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 97,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 9,070,227,000 | 1 | $ 42,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 258,000 |
| Bank of Texas, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 4,280,804,000 | 1 | $ 200,000 |
The tables below break down 2009 mortgage applications in Rains 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 Rains County, TX in 2009
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 | 150 | $22,999,000 | $153,000 | $952,000 | $92,000 | $1,328,000 |
| Home Purchase | 110 | $13,133,000 | $119,000 | $417,000 | $74,000 | $397,000 |
| Home Improvement | 18 | $853,000 | $47,000 | $170,000 | $62,000 | $180,000 |
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 | 218 | $29,798,000 | $136,000 | $952,000 | $83,000 | $397,000 |
| Not Provided | 25 | $3,618,000 | $144,000 | $371,000 | $145,000 | $1,328,000 |
| Not applicable | 23 | $2,650,000 | $115,000 | $412,000 | $32,000 | $152,000 |
| Hispanic | 8 | $668,000 | $83,000 | $152,000 | $56,000 | $118,000 |
| Black or African American | 3 | $170,000 | $56,000 | $136,000 | $52,000 | $96,000 |
| American Indian or Alaskan Native | 1 | $81,000 | $81,000 | $81,000 | $44,000 | $44,000 |
| Asian | 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) | 215 | $28,960,000 | $134,000 | $952,000 | $91,000 | $1,328,000 |
| FHA-insured (Federal Housing Administration) | 51 | $5,942,000 | $116,000 | $271,000 | $55,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $828,000 | $138,000 | $248,000 | $50,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,255,000 | $209,000 | $277,000 | $49,000 | $82,000 |
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 | 115 | $15,397,000 | $133,000 | $417,000 | $94,000 | $1,328,000 |
| Application Denied By Financial Institution | 59 | $8,109,000 | $137,000 | $952,000 | $89,000 | $397,000 |
| Loan Purchased By The Institution | 56 | $7,709,000 | $137,000 | $417,000 | $55,000 | $352,000 |
| Application Withdrawn By Applicant | 21 | $2,910,000 | $138,000 | $336,000 | $81,000 | $210,000 |
| File Closed For Incompleteness | 15 | $1,756,000 | $117,000 | $252,000 | $92,000 | $265,000 |
| Application Approved But Not Accepted | 12 | $1,104,000 | $92,000 | $186,000 | $68,000 | $133,000 |
| 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 | 14 | $1,113,000 | $79,000 | $170,000 | $69,000 | $180,000 |
| Collateral | 13 | $2,044,000 | $157,000 | $525,000 | $104,000 | $397,000 |
| Debt-To-Income Ratio | 8 | $941,000 | $117,000 | $314,000 | $71,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,264,000 | $316,000 | $952,000 | $158,000 | $347,000 |
| Other | 3 | $719,000 | $239,000 | $318,000 | $221,000 | $384,000 |
| Credit Application Incomplete | 2 | $463,000 | $231,000 | $315,000 | $135,000 | $196,000 |
| Unverifiable Information | 1 | $36,000 | $36,000 | $36,000 | $24,000 | $24,000 |
| Mortgage Insurance Denied | 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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