Sherman County, TX Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 100 mortgage applications in Sherman County, TX totaling $6.1 million. The average application was for $61,000, and applicants reported an average income of $56,000. 41% of applications resulted in an originated loan and 30% were denied. The most active lender was Happy State Bank, with 23 applications, followed by Midfirst Bank and Bank of America, 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 | 100 |
| Total Mortgage Loan Application Amount | $6,121,000 |
| Average Mortgage Loan Application Amount | $61,000 |
| Highest Mortgage Loan Application Amount | $198,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $460,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 135,263,000 | 23 | $ 1,726,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 9 | $ 525,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 7 | $ 230,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 5 | $ 156,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 220,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 348,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 217,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 1,526,532,000 | 3 | $ 335,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 3 | $ 235,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 3 | $ 256,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 171,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 154,000 |
| Synergy Mortgage Corp. 510 N. VALLEY MILLS DRIVE SUITE 101 WACO, TX 76710 |
* | $ 10,000,000 | 3 | $ 154,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 160,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 2 | $ 146,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 139,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 2 | $ 53,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,369,494,000 | 2 | $ 53,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 1 | $ 58,000 |
| First Mutual Bank 400 108TH AVE NE BELLEVUE, WA 98004 |
* | $ 742,648,000 | 1 | $ 5,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 1 | $ 58,000 |
| Slm Financial Corporation 300 CONTINENTAL DRIVE NEWARK, DE 19713 |
* | $ 10,000,000 | 1 | $ 5,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 62,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,358,138,000 | 1 | $ 63,000 |
| Plainscapital Mortgage One LLC 1619 S KENTUCKY, F640 AMARILLO, TX 79102 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 1 | $ 84,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,366,324,000 | 1 | $ 64,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 76,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 79,000 |
The tables below break down 2003 mortgage applications in Sherman 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 Sherman County, TX in 2003
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 (one-to-four family) | 49 | $3,143,000 | $64,000 | $162,000 | $56,000 | $460,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 45 | $2,905,000 | $64,000 | $198,000 | $58,000 | $240,000 |
| Home Improvement (one-to-four family) | 6 | $73,000 | $12,000 | $28,000 | $35,000 | $64,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 57 | $3,658,000 | $64,000 | $198,000 | $52,000 | $240,000 |
| Hispanic | 19 | $956,000 | $50,000 | $88,000 | $86,000 | $460,000 |
| Information not provided by applicant in mail or telephone application | 14 | $679,000 | $48,000 | $74,000 | $54,000 | $84,000 |
| Not applicable | 5 | $394,000 | $78,000 | $100,000 | $0 | $0 |
| Other | 3 | $276,000 | $92,000 | $133,000 | $51,000 | $85,000 |
| American Indian or Alaskan Native | 2 | $158,000 | $79,000 | $100,000 | $33,000 | $40,000 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 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) | 87 | $5,359,000 | $61,000 | $198,000 | $60,000 | $460,000 |
| FHA-insured (Federal Housing Administration) | 7 | $418,000 | $59,000 | $84,000 | $31,000 | $40,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $184,000 | $61,000 | $68,000 | $33,000 | $41,000 |
| VA-guaranteed (Veterans Administration) | 3 | $160,000 | $53,000 | $64,000 | $21,000 | $37,000 |
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 | 41 | $2,585,000 | $63,000 | $198,000 | $50,000 | $197,000 |
| Application Denied By Financial Institution | 30 | $1,404,000 | $46,000 | $100,000 | $68,000 | $460,000 |
| Application Withdrawn By Applicant | 16 | $1,259,000 | $78,000 | $162,000 | $68,000 | $180,000 |
| Loan Purchased By The Institution | 10 | $670,000 | $67,000 | $100,000 | $18,000 | $79,000 |
| Application Approved But Not Accepted | 3 | $203,000 | $67,000 | $80,000 | $60,000 | $84,000 |
| File Closed For Incompleteness | 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 | 13 | $438,000 | $33,000 | $65,000 | $75,000 | $240,000 |
| Collateral | 3 | $152,000 | $50,000 | $84,000 | $34,000 | $41,000 |
| Other | 3 | $112,000 | $37,000 | $63,000 | $24,000 | $52,000 |
| Debt-To-Income Ratio | 2 | $111,000 | $55,000 | $71,000 | $28,000 | $34,000 |
| Credit Application Incomplete | 1 | $100,000 | $100,000 | $100,000 | $40,000 | $40,000 |
| Unverifiable Information | 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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