Shelby County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 401 mortgage applications in Shelby County, TX totaling $42.6 million, down 1% from 2011. The average application was for $106,000, and applicants reported an average income of $78,000. 35% of applications resulted in an originated loan and 34% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 62 applications, followed by 21st Mortgage and US Bank, N.A..
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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 | 401 |
| Total Mortgage Loan Application Amount | $42,602,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $1,006,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 62 | $ 3,746,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 62 | $ 3,179,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 23 | $ 1,534,000 |
| Sabine State Bank and Trust Company 765 SHREVEPORT HWY MANY, LA 71449 |
* | $ 683,714,000 | 18 | $ 2,675,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 17 | $ 2,072,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 14 | $ 1,403,000 |
| First Bank & Trust East Texas 104 N TEMPLE BLVD DIBOLL, TX 75941 |
* | $ 800,812,000 | 13 | $ 1,369,000 |
| Commercial Bank of Texas, NA 215 E MAIN ST NACOGDOCHES, TX 75961 |
* | $ 451,384,000 | 11 | $ 1,332,000 |
| Austin Bank, Texas National Association PO BOX 1537 JACKSONVILLE, TX 75766 |
* | $ 1,328,143,000 | 9 | $ 1,316,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 8 | $ 867,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 8 | $ 620,000 |
| Citizens Bank 301 E MAIN ST KILGORE, TX 75662 |
* | $ 337,974,000 | 8 | $ 280,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 6 | $ 789,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 71,108,281,000 | 6 | $ 717,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 584,000 |
| Pelican State Credit Union P.O. BOX 40088 BATON ROUGE, LA 70835 |
* | $ 191,733,000 | 5 | $ 196,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 792,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 4 | $ 853,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 4 | $ 400,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 4 | $ 260,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 340,000 |
| DHI Mortgage Company, Ltd. 10700 PECAN PARK BLVD, SUITE 450 AUSTIN, TX 78750 |
* | $ 10,000,000 | 3 | $ 327,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 3 | $ 678,000 |
| United Heritage Credit Union 12208 N MOPAC EXPY AUSTIN, TX 78759 |
* | $ 684,439,000 | 3 | $ 109,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 255,171,000 | 3 | $ 798,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE 2 MURRAY, UT 84107 |
* | $ 10,000,000 | 3 | $ 392,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 2 | $ 186,000 |
| Reverse Mortgage USA, Inc. 6500 RIVER PLACE BLVD, BLDG 1, STE 425 AUSTIN, TX 78730 |
* | $ 3,305,000 | 2 | $ 99,000 |
| The Peoples State Bank 880 SAN ANTONIO AVE MANY, LA 71449 |
* | $ 496,632,000 | 2 | $ 906,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 2 | $ 187,000 |
| Verabank,N.A. P.O. BOX 1009 HENDERSON, TX 75653 |
* | $ 896,948,000 | 2 | $ 75,000 |
| Texas Bank and Trust PO BOX 3188 LONGVIEW, TX 75601 |
* | $ 1,431,344,000 | 2 | $ 141,000 |
| Citizens Bank and Trust Co PO BOX 992 VIVIAN, LA 71082 |
* | $ 147,620,000 | 2 | $ 281,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 2 | $ 431,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 2 | $ 420,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 2 | $ 558,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 169,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 791,266,000 | 2 | $ 916,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 2 | $ 171,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 167,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 24,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 2 | $ 187,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 430,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 298,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 381,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 316,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 365,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 228,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 298,000 |
| Patriot Bank Mortgage 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 511,822,000 | 1 | $ 96,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 30,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 129,000 |
| Suburban Mortgage Co of Nm 9401 JERONIMO ROAD STE 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 127,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 92,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 198,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 128,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 1 | $ 152,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 219,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 298,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 85,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 63,106,987,000 | 1 | $ 37,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,562,678,000 | 1 | $ 55,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 175,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 227,903,000 | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 68,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 84,000 |
| East Texas Professional C.U. 409 E. LOOP 281 LONGVIEW, TX 75605 |
* | $ 489,923,000 | 1 | $ 52,000 |
| First Community Bank NA 3 SUGAR CREEK CENTER BLVD SUITE 200 SUGAR LAND, TX 77478 |
* | $ 634,177,000 | 1 | $ 22,000 |
| White Oak State Bank P.O. BOX 308 WHITE OAK, TX 75693 |
* | $ 104,737,000 | 1 | $ 9,000 |
| Texas Bank P O BOX 1190 HENDERSON, TX 75652 |
* | $ 290,528,000 | 1 | $ 1,250,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 58,000 |
| Orange Savings Bank 812 N 16TH STREET ORANGE, TX 77630 |
* | $ 401,095,000 | 1 | $ 36,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 107,000 |
| North Dallas Bank & Trust Co. 12900 PRESTON RD DALLAS, TX 75230 |
* | $ 1,190,368,000 | 1 | $ 1,300,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 1 | $ 10,000 |
| Community Bank of Louisiana 118 JEFFERSON STREET P.O. BOX 1308 MANSFIELD, LA 71052 |
* | $ 374,748,000 | 1 | $ 12,000 |
| Carter Federal Credit Union 100 W CHURCH ST SPRINGHILL, LA 71075 |
* | $ 200,566,000 | 1 | $ 36,000 |
| Greater Texas Federal Credit Union 6411 N LAMAR BLVD AUSTIN, TX 78752 |
* | $ 488,362,000 | 1 | $ 52,000 |
| Citizens 1st Bank PO BOX 630908 NACOGDOCHES, TX 75963 |
* | $ 798,697,000 | 1 | $ 205,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 133,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 125,000 |
The tables below break down 2012 mortgage applications in Shelby 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 Shelby 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 | 253 | $25,194,000 | $99,000 | $1,300,000 | $77,000 | $1,006,000 |
| Refinancing | 117 | $16,203,000 | $138,000 | $1,250,000 | $80,000 | $549,000 |
| Home Improvement | 31 | $1,205,000 | $38,000 | $387,000 | $85,000 | $327,000 |
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 | 282 | $31,626,000 | $112,000 | $1,300,000 | $91,000 | $1,006,000 |
| Black or African American | 44 | $2,608,000 | $59,000 | $166,000 | $40,000 | $105,000 |
| Not Provided | 31 | $2,991,000 | $96,000 | $298,000 | $72,000 | $440,000 |
| Hispanic | 28 | $1,927,000 | $68,000 | $172,000 | $56,000 | $147,000 |
| Not applicable | 14 | $3,300,000 | $235,000 | $1,250,000 | $0 | $0 |
| Asian | 2 | $150,000 | $75,000 | $90,000 | $40,000 | $46,000 |
| American Indian or Alaskan Native | 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) | 309 | $30,747,000 | $99,000 | $1,300,000 | $85,000 | $1,006,000 |
| FHA-insured (Federal Housing Administration) | 58 | $7,170,000 | $123,000 | $298,000 | $54,000 | $148,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,484,000 | $130,000 | $245,000 | $38,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,201,000 | $146,000 | $795,000 | $94,000 | $549,000 |
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 | 141 | $17,560,000 | $124,000 | $1,300,000 | $96,000 | $1,006,000 |
| Application Denied By Financial Institution | 138 | $12,253,000 | $88,000 | $417,000 | $69,000 | $605,000 |
| Application Approved But Not Accepted | 52 | $3,743,000 | $71,000 | $272,000 | $85,000 | $549,000 |
| Application Withdrawn By Applicant | 38 | $4,661,000 | $122,000 | $298,000 | $69,000 | $215,000 |
| Loan Purchased By The Institution | 25 | $3,352,000 | $134,000 | $417,000 | $31,000 | $171,000 |
| File Closed For Incompleteness | 7 | $1,033,000 | $147,000 | $244,000 | $84,000 | $480,000 |
| 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 | 46 | $3,335,000 | $72,000 | $350,000 | $69,000 | $327,000 |
| Debt-To-Income Ratio | 28 | $2,731,000 | $97,000 | $417,000 | $56,000 | $336,000 |
| Other | 8 | $1,266,000 | $158,000 | $370,000 | $101,000 | $250,000 |
| Collateral | 6 | $919,000 | $153,000 | $387,000 | $85,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $748,000 | $149,000 | $417,000 | $82,000 | $175,000 |
| Credit Application Incomplete | 2 | $131,000 | $65,000 | $84,000 | $87,000 | $105,000 |
| Employment History | 1 | $26,000 | $26,000 | $26,000 | $60,000 | $60,000 |
| Unverifiable Information | 1 | $151,000 | $151,000 | $151,000 | $99,000 | $99,000 |
| 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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