Sherman County, TX Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 85 mortgage applications in Sherman County, TX totaling $5.5 million, up 1% from 2004. The average application was for $65,000, and applicants reported an average income of $49,000. 31% of applications resulted in an originated loan and 27% were denied. The most active lender was Happy State Bank, with 9 applications, followed by Nationstar Mortgage and Countrywide Home Loans.
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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 | 85 |
| Total Mortgage Loan Application Amount | $5,543,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $239,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $252,000 |
| 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 |
* | $ 357,154,000 | 9 | $ 762,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 447,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 5 | $ 349,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 5 | $ 371,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 5 | $ 338,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 585,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 4 | $ 171,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 1,605,726,000 | 4 | $ 350,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 3 | $ 405,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 3 | $ 142,000 |
| Citifinancial Equity Services 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 3 | $ 97,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 121,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 85,000 |
| Mortgages Unlimited, Inc. P.O. BOX 1399 LIBERAL, KS 67905 |
* | $ 10,000,000 | 2 | $ 100,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 2 | $ 70,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 2 | $ 24,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 2 | $ 133,000 |
| Maverick Residential Mortgage 2401 INTERNET BLVD STE 103 FRISCO, TX 75034 |
* | $ 10,000,000 | 2 | $ 79,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Sirva Mortgage, Inc. 6070 PARKLAND BLVD. MAYFIELD HEIGHTS, OH 44124 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 100,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 1 | $ 28,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 1 | $ 35,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 1 | $ 16,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 1 | $ 40,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 1 | $ 50,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 852,606,000 | 1 | $ 80,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,509,064,000 | 1 | $ 58,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 2,426,358,000 | 1 | $ 59,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 35,000 |
The tables below break down 2005 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 2005
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 | 37 | $2,756,000 | $74,000 | $239,000 | $61,000 | $252,000 |
| Refinancing | 36 | $2,233,000 | $62,000 | $169,000 | $41,000 | $104,000 |
| Home Improvement | 12 | $554,000 | $46,000 | $139,000 | $39,000 | $80,000 |
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 | 45 | $3,427,000 | $76,000 | $239,000 | $64,000 | $252,000 |
| Hispanic | 23 | $1,091,000 | $47,000 | $100,000 | $38,000 | $92,000 |
| Not Provided | 10 | $565,000 | $56,000 | $114,000 | $32,000 | $104,000 |
| Not applicable | 6 | $398,000 | $66,000 | $94,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $62,000 | $62,000 | $62,000 | $46,000 | $46,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 73 | $4,913,000 | $67,000 | $239,000 | $54,000 | $252,000 |
| FHA-insured (Federal Housing Administration) | 9 | $480,000 | $53,000 | $93,000 | $29,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 3 | $150,000 | $50,000 | $50,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 26 | $1,696,000 | $65,000 | $185,000 | $62,000 | $245,000 |
| Application Denied By Financial Institution | 23 | $1,305,000 | $56,000 | $166,000 | $48,000 | $252,000 |
| Application Withdrawn By Applicant | 14 | $1,048,000 | $74,000 | $169,000 | $41,000 | $104,000 |
| Loan Purchased By The Institution | 13 | $776,000 | $59,000 | $94,000 | $19,000 | $59,000 |
| Application Approved But Not Accepted | 5 | $407,000 | $81,000 | $239,000 | $72,000 | $165,000 |
| File Closed For Incompleteness | 4 | $311,000 | $77,000 | $114,000 | $53,000 | $84,000 |
| 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 | 5 | $216,000 | $43,000 | $60,000 | $33,000 | $53,000 |
| Other | 5 | $307,000 | $61,000 | $100,000 | $58,000 | $92,000 |
| Collateral | 3 | $275,000 | $91,000 | $166,000 | $147,000 | $252,000 |
| Credit Application Incomplete | 1 | $77,000 | $77,000 | $77,000 | $39,000 | $39,000 |
| Debt-To-Income Ratio | 1 | $28,000 | $28,000 | $28,000 | $12,000 | $12,000 |
| 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 |
| Unverifiable Information | 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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