Sherman County, TX Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 71 mortgage applications in Sherman County, TX totaling $3.8 million, up 15% from 2006. The average application was for $52,000, and applicants reported an average income of $50,000. 46% of applications resulted in an originated loan and 30% were denied. The most active lender was Happy State Bank, with 17 applications, followed by Countrywide Home Loans and Wells Fargo Fin'l Texas, Inc.
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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 | 71 |
| Total Mortgage Loan Application Amount | $3,762,000 |
| Average Mortgage Loan Application Amount | $52,000 |
| Highest Mortgage Loan Application Amount | $161,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $135,000 |
| 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 |
* | $ 525,855,000 | 17 | $ 600,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 6 | $ 548,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 5 | $ 165,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 2,174,957,000 | 5 | $ 189,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 4 | $ 99,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 3 | $ 198,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 3 | $ 183,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 3 | $ 244,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 2 | $ 21,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 170,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 2 | $ 147,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 132,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 2 | $ 143,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 2 | $ 100,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 2 | $ 185,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 1 | $ 31,000 |
| Members Trust of the Southwest Federal Credit Union 2315 MANGUM ROAD HOUSTON, TX 77092 |
* | $ 49,416,000 | 1 | $ 54,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 1 | $ 90,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 108,000 |
| Lending Street,Llc 3440 BELL SUITE 326 AMARILLO, TX 79109 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 80,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 1 | $ 38,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 1 | $ 40,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 1 | $ 38,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,081,220,000 | 1 | $ 5,000 |
The tables below break down 2007 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 2007
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 | 40 | $2,849,000 | $71,000 | $161,000 | $54,000 | $135,000 |
| Home Improvement | 20 | $266,000 | $13,000 | $38,000 | $43,000 | $91,000 |
| Refinancing | 11 | $647,000 | $58,000 | $84,000 | $48,000 | $84,000 |
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 | 42 | $2,502,000 | $59,000 | $161,000 | $56,000 | $135,000 |
| Hispanic | 21 | $722,000 | $34,000 | $120,000 | $41,000 | $100,000 |
| Not Provided | 6 | $406,000 | $67,000 | $90,000 | $42,000 | $72,000 |
| Not applicable | 2 | $132,000 | $66,000 | $79,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 62 | $3,047,000 | $49,000 | $161,000 | $50,000 | $135,000 |
| FHA-insured (Federal Housing Administration) | 8 | $605,000 | $75,000 | $134,000 | $51,000 | $92,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $110,000 | $110,000 | $110,000 | $35,000 | $35,000 |
| 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 | 33 | $1,795,000 | $54,000 | $161,000 | $57,000 | $135,000 |
| Application Denied By Financial Institution | 21 | $810,000 | $38,000 | $84,000 | $45,000 | $84,000 |
| Application Approved But Not Accepted | 6 | $249,000 | $41,000 | $81,000 | $51,000 | $72,000 |
| File Closed For Incompleteness | 4 | $367,000 | $91,000 | $108,000 | $38,000 | $49,000 |
| Loan Purchased By The Institution | 4 | $279,000 | $69,000 | $79,000 | $47,000 | $70,000 |
| Application Withdrawn By Applicant | 3 | $262,000 | $87,000 | $116,000 | $31,000 | $36,000 |
| 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 | $138,000 | $19,000 | $50,000 | $38,000 | $61,000 |
| Other | 2 | $88,000 | $44,000 | $50,000 | $69,000 | $76,000 |
| Collateral | 1 | $50,000 | $50,000 | $50,000 | $66,000 | $66,000 |
| Credit Application Incomplete | 1 | $40,000 | $40,000 | $40,000 | $35,000 | $35,000 |
| Debt-To-Income Ratio | 1 | $5,000 | $5,000 | $5,000 | $7,000 | $7,000 |
| 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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