Sherman County, TX Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 64 mortgage applications in Sherman County, TX totaling $5.4 million, down 15% from 2010. The average application was for $84,000, and applicants reported an average income of $75,000. 48% of applications resulted in an originated loan and 11% were denied. The most active lender was Happy State Bank, with 19 applications, followed by Interstate Bank, SSB and Wells Fargo Bank NA.
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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 | 64 |
| Total Mortgage Loan Application Amount | $5,423,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $210,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $429,000 |
| 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 |
* | $ 1,576,572,000 | 19 | $ 1,087,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 122,415,000 | 5 | $ 553,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 5 | $ 417,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 5 | $ 382,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 4 | $ 413,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 3 | $ 258,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,285,632,000 | 3 | $ 341,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 2,785,278,000 | 2 | $ 64,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 2 | $ 234,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 234,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 17,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 111,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 1 | $ 193,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 80,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 58,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Mortgages Unlimited, Inc 303 N KANSAS AVE, STE 106 LIBERAL, KS 67901 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Citizens National Bank of Texas P. O. BOX 717 WAXAHACHIE, TX 75168 |
* | $ 514,011,000 | 1 | $ 128,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,409,826,000 | 1 | $ 35,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 1 | $ 210,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 105,000 |
The tables below break down 2011 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 2011
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 | $3,498,000 | $94,000 | $210,000 | $83,000 | $429,000 |
| Refinancing | 17 | $1,789,000 | $105,000 | $193,000 | $62,000 | $122,000 |
| Home Improvement | 10 | $136,000 | $13,000 | $40,000 | $67,000 | $120,000 |
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 | 48 | $4,321,000 | $90,000 | $210,000 | $83,000 | $429,000 |
| Hispanic | 8 | $260,000 | $32,000 | $80,000 | $42,000 | $75,000 |
| Not applicable | 6 | $702,000 | $117,000 | $193,000 | $39,000 | $92,000 |
| Not Provided | 2 | $140,000 | $70,000 | $116,000 | $105,000 | $120,000 |
| 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) | 40 | $3,021,000 | $75,000 | $193,000 | $87,000 | $429,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,310,000 | $100,000 | $210,000 | $56,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $966,000 | $107,000 | $181,000 | $49,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 2 | $126,000 | $63,000 | $63,000 | $63,000 | $63,000 |
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 | 31 | $2,258,000 | $72,000 | $210,000 | $84,000 | $429,000 |
| Loan Purchased By The Institution | 22 | $2,329,000 | $105,000 | $210,000 | $57,000 | $122,000 |
| Application Denied By Financial Institution | 7 | $500,000 | $71,000 | $140,000 | $98,000 | $317,000 |
| Application Withdrawn By Applicant | 2 | $115,000 | $57,000 | $72,000 | $35,000 | $46,000 |
| File Closed For Incompleteness | 1 | $116,000 | $116,000 | $116,000 | $91,000 | $91,000 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $84,000 | $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 | 2 | $31,000 | $15,000 | $24,000 | $79,000 | $120,000 |
| Employment History | 1 | $81,000 | $81,000 | $81,000 | $72,000 | $72,000 |
| Other | 1 | $128,000 | $128,000 | $128,000 | $317,000 | $317,000 |
| Unverifiable Information | 1 | $62,000 | $62,000 | $62,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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