Reagan County, TX Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 123 mortgage applications in Reagan County, TX totaling $5.8 million, down 6% from 2003. The average application was for $46,000, and applicants reported an average income of $56,000. 34% of applications resulted in an originated loan and 29% were denied. The most active lender was Security Bank, with 19 applications, followed by Ameriquest Mortgage Company and Beneficial.
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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 | 123 |
| Total Mortgage Loan Application Amount | $5,775,000 |
| Average Mortgage Loan Application Amount | $46,000 |
| Highest Mortgage Loan Application Amount | $264,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $912,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Security Bank 600 N. MARIENFELD, STE 200 MIDLAND, TX 79701 |
* | $ 156,413,000 | 19 | $ 624,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 10 | $ 934,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 7 | $ 142,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 7 | $ 154,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 6 | $ 207,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 5 | $ 239,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 5 | $ 145,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 5 | $ 226,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 4 | $ 390,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 4 | $ 136,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 253,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 4 | $ 159,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 221,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 147,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 173,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 3 | $ 168,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 3 | $ 109,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 116,189,000 | 2 | $ 98,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 10,000,000 | 2 | $ 90,000 |
| First National Bank of Mertzon, the P O BOX 589 MERTZON, TX 76941 |
* | $ 124,966,000 | 2 | $ 58,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 149,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 109,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 2 | $ 95,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 2 | $ 72,000 |
| Lrs Financial Network, Inc. 2101 W. WADLEY, STE # 33 MIDLAND, TX 79705 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 1 | $ 64,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 1 | $ 56,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 40,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 1 | $ 67,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 42,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 64,000 |
| Home Loan Corporation 450 GEARS ROAD, SUITE 600 HOUSTON, TX 77067 |
* | $ 10,000,000 | 1 | $ 64,000 |
| First State Bank 245 WEST MOSS, PO BOX 247 PAINT ROCK, TX 76866 |
* | $ 42,814,000 | 1 | $ 33,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 726,049,000 | 1 | $ 43,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 1 | $ 43,000 |
The tables below break down 2004 mortgage applications in Reagan 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 Reagan County, TX in 2004
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 | 61 | $3,428,000 | $56,000 | $264,000 | $68,000 | $912,000 |
| Home Purchase | 51 | $2,077,000 | $40,000 | $77,000 | $42,000 | $120,000 |
| Home Improvement | 11 | $270,000 | $24,000 | $50,000 | $44,000 | $81,000 |
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 | 48 | $2,622,000 | $54,000 | $247,000 | $52,000 | $120,000 |
| Hispanic | 46 | $1,485,000 | $32,000 | $70,000 | $40,000 | $81,000 |
| Not Provided | 21 | $1,099,000 | $52,000 | $200,000 | $96,000 | $912,000 |
| Not applicable | 5 | $238,000 | $47,000 | $64,000 | $8,000 | $32,000 |
| Black or African American | 2 | $67,000 | $33,000 | $34,000 | $47,000 | $47,000 |
| American Indian or Alaskan Native | 1 | $264,000 | $264,000 | $264,000 | $238,000 | $238,000 |
| 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) | 112 | $5,249,000 | $46,000 | $264,000 | $58,000 | $912,000 |
| FHA-insured (Federal Housing Administration) | 11 | $526,000 | $47,000 | $69,000 | $40,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 42 | $1,639,000 | $39,000 | $77,000 | $49,000 | $120,000 |
| Application Denied By Financial Institution | 36 | $1,788,000 | $49,000 | $247,000 | $51,000 | $223,000 |
| Application Withdrawn By Applicant | 22 | $951,000 | $43,000 | $94,000 | $77,000 | $912,000 |
| Application Approved But Not Accepted | 9 | $328,000 | $36,000 | $60,000 | $41,000 | $56,000 |
| Loan Purchased By The Institution | 9 | $431,000 | $47,000 | $64,000 | $26,000 | $66,000 |
| File Closed For Incompleteness | 5 | $638,000 | $127,000 | $264,000 | $150,000 | $250,000 |
| 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 | 7 | $303,000 | $43,000 | $72,000 | $51,000 | $81,000 |
| Other | 6 | $372,000 | $62,000 | $105,000 | $78,000 | $223,000 |
| Collateral | 4 | $471,000 | $117,000 | $247,000 | $74,000 | $109,000 |
| Debt-To-Income Ratio | 4 | $141,000 | $35,000 | $50,000 | $34,000 | $75,000 |
| Unverifiable Information | 1 | $36,000 | $36,000 | $36,000 | $34,000 | $34,000 |
| Credit Application Incomplete | 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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