San Augustine County, TX Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 217 mortgage applications in San Augustine County, TX totaling $19.1 million, up 14% from 2016. The average application was for $87,000, and applicants reported an average income of $72,000. 35% of applications resulted in an originated loan and 41% were denied. The most active lender was 21st Mortgage, with 38 applications, followed by First Bank & Trust East Texas and Vanderbilt Mortgage and Finance, Inc.

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Total Number of Mortgage Applications 217
Total Mortgage Loan Application Amount $19,052,000
Average Mortgage Loan Application Amount $87,000
Highest Mortgage Loan Application Amount $340,000
Average Applicant Income $72,000
Highest Applicant Income $473,000
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Top Mortgage Lenders in San Augustine County, TX (2017)

Ranked by the number of mortgage applications each lender reported in San Augustine County, TX in 2017.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 21st Mortgage
Knoxville, TN
38 $2,494,000 $65,000 $48,000
2 First Bank & Trust East Texas
Diboll, TX
25 $1,260,000 $50,000 $79,000
3 Vanderbilt Mortgage and Finance, Inc
Maryville, TN
20 $1,466,000 $73,000 $58,000
4 Triad Financial Services, Inc.
Jacksonville, FL
12 $529,000 $44,000 $48,000
5 Credit Human Federal Credit Un
San Antonio, TX
12 $705,000 $58,000 $88,000
6 Commercial Bank of Texas, NA
Nacogdoches, TX
10 $1,221,000 $122,000 $141,000
7 BBVA USA
Birmingham, AL
6 $624,000 $104,000 $61,000
8 Csl Financial, LLC
Birmingham, AL
6 $493,000 $82,000 $65,000
9 Texas Bank and Trust
Longview, TX
5 $262,000 $52,000 $66,000
10 loanDepot.com LLC
Irvine, CA
5 $876,000 $175,000 $86,000

See every lender active in San Augustine County, TX in 2017 »

The tables below break down 2017 mortgage applications in San Augustine 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 San Augustine County, TX in 2017

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 154 $13,390,000 $86,000 $287,000 $69,000 $473,000
Refinancing 40 $5,058,000 $126,000 $340,000 $81,000 $173,000
Home Improvement 23 $604,000 $26,000 $145,000 $70,000 $314,000

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 138 $12,655,000 $91,000 $340,000 $82,000 $473,000
Black or African American 34 $1,993,000 $58,000 $133,000 $43,000 $123,000
Not Provided 32 $2,793,000 $87,000 $260,000 $68,000 $239,000
Hispanic 7 $796,000 $113,000 $142,000 $53,000 $80,000
Not applicable 4 $475,000 $118,000 $139,000 $24,000 $97,000
Native Hawaiian or Other Pacific Islander 2 $340,000 $170,000 $270,000 $72,000 $110,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 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) 195 $15,693,000 $80,000 $340,000 $74,000 $473,000
FHA-insured (Federal Housing Administration) 13 $1,877,000 $144,000 $270,000 $39,000 $110,000
VA-guaranteed (Veterans Administration) 9 $1,482,000 $164,000 $209,000 $74,000 $136,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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
Application Denied By Financial Institution 88 $6,039,000 $68,000 $222,000 $55,000 $473,000
Loan Originated 77 $7,112,000 $92,000 $287,000 $91,000 $366,000
Application Withdrawn By Applicant 20 $2,387,000 $119,000 $270,000 $71,000 $150,000
File Closed For Incompleteness 15 $1,192,000 $79,000 $145,000 $60,000 $118,000
Application Approved But Not Accepted 12 $1,638,000 $136,000 $340,000 $92,000 $169,000
Loan Purchased By The Institution 5 $684,000 $136,000 $209,000 $46,000 $136,000
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
Collateral 7 $647,000 $92,000 $176,000 $83,000 $195,000
Credit History 6 $199,000 $33,000 $94,000 $45,000 $88,000
Debt-To-Income Ratio 5 $521,000 $104,000 $200,000 $59,000 $84,000
Credit Application Incomplete 4 $427,000 $106,000 $222,000 $105,000 $160,000
Insufficient Cash (Downpayment, Closing Cost) 2 $165,000 $82,000 $106,000 $49,000 $54,000
Other 1 $111,000 $111,000 $111,000 $125,000 $125,000
Employment History 1 $70,000 $70,000 $70,000 $25,000 $25,000
Unverifiable Information 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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