Sherman County, TX Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 68 mortgage applications in Sherman County, TX totaling $6.3 million, up 10% from 2014. The average application was for $92,000, and applicants reported an average income of $65,000. 50% of applications resulted in an originated loan and 13% were denied. The most active lender was Happy State Bank, with 16 applications, followed by Everett Financial, Inc. and Amarillo National Bank.
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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 | 68 |
| Total Mortgage Loan Application Amount | $6,318,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $224,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $192,000 |
| 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 |
* | $ 2,570,931,000 | 16 | $ 829,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 6 | $ 689,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 3,891,248,000 | 4 | $ 369,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 458,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 190,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 2 | $ 201,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 74,000 |
| Interstate Bank, SSB 5085 S COULTER AMARILLO, TX 79119 |
* | $ 206,836,000 | 2 | $ 286,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 159,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 2 | $ 123,000 |
| Acfcu Federal Credit Union 6100 I-40 WEST AMARILLO, TX 79106 |
* | $ 215,143,000 | 1 | $ 208,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 101,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 91,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 140,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 1 | $ 109,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 57,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 145,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 81,000 |
| Bankers Mortgage Corporation 7500 COLLEGE BOULEVARD, SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 256,709,000 | 1 | $ 181,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,180,805,000 | 1 | $ 88,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 181,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 57,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 4,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 1 | $ 121,000 |
The tables below break down 2015 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 2015
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 | 43 | $4,699,000 | $109,000 | $224,000 | $64,000 | $192,000 |
| Refinancing | 16 | $1,543,000 | $96,000 | $208,000 | $65,000 | $144,000 |
| Home Improvement | 9 | $76,000 | $8,000 | $14,000 | $73,000 | $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 | 36 | $4,067,000 | $112,000 | $224,000 | $84,000 | $192,000 |
| Hispanic | 14 | $649,000 | $46,000 | $97,000 | $44,000 | $98,000 |
| Not applicable | 10 | $807,000 | $80,000 | $181,000 | $17,000 | $125,000 |
| Not Provided | 7 | $750,000 | $107,000 | $207,000 | $74,000 | $99,000 |
| Black or African American | 1 | $45,000 | $45,000 | $45,000 | $81,000 | $81,000 |
| 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 |
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) | 41 | $3,062,000 | $74,000 | $208,000 | $78,000 | $192,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,678,000 | $119,000 | $224,000 | $51,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,252,000 | $113,000 | $148,000 | $34,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 2 | $326,000 | $163,000 | $207,000 | $68,000 | $77,000 |
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 | 34 | $3,108,000 | $91,000 | $224,000 | $80,000 | $165,000 |
| Loan Purchased By The Institution | 12 | $1,008,000 | $84,000 | $181,000 | $22,000 | $125,000 |
| Application Denied By Financial Institution | 9 | $991,000 | $110,000 | $216,000 | $71,000 | $192,000 |
| Application Approved But Not Accepted | 5 | $278,000 | $55,000 | $109,000 | $80,000 | $120,000 |
| Application Withdrawn By Applicant | 4 | $388,000 | $97,000 | $148,000 | $37,000 | $74,000 |
| File Closed For Incompleteness | 4 | $545,000 | $136,000 | $181,000 | $67,000 | $134,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $97,000 | $97,000 | $97,000 | $62,000 | $62,000 |
| Credit Application Incomplete | 1 | $207,000 | $207,000 | $207,000 | $60,000 | $60,000 |
| Other | 1 | $81,000 | $81,000 | $81,000 | $98,000 | $98,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| Collateral | 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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