Starr County, TX Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 653 mortgage applications in Starr County, TX totaling $43.9 million, down 29% from 2008. The average application was for $67,000, and applicants reported an average income of $50,000. 30% of applications resulted in an originated loan and 38% were denied. The most active lender was Lone Star National Bank, with 107 applications, followed by JPMorgan Chase Bank, NA 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 | 653 |
| Total Mortgage Loan Application Amount | $43,903,000 |
| Average Mortgage Loan Application Amount | $67,000 |
| Highest Mortgage Loan Application Amount | $604,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $1,488,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Lone Star National Bank 206 WEST FERGUSON PHARR, TX 78577 |
* | $ 1,776,124,000 | 107 | $ 1,517,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 68 | $ 6,186,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 66 | $ 3,893,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 61 | $ 5,260,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 40 | $ 1,049,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 40 | $ 1,576,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 10,638,109,000 | 37 | $ 3,510,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 25 | $ 1,362,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 62,251,283,000 | 21 | $ 1,525,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 13 | $ 1,303,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 13 | $ 346,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 11 | $ 1,140,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 10 | $ 953,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 9 | $ 843,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 8 | $ 889,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 8 | $ 539,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 8 | $ 296,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 7 | $ 942,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 653,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 796,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 5 | $ 158,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 4 | $ 214,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 405,000 |
| Elsa State Bank and Trust Company P.O. BOX 397 ELSA, TX 78543 |
* | $ 139,111,000 | 4 | $ 421,000 |
| HSBC Credit Center Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 639,266,000 | 4 | $ 63,000 |
| Falcon International Bank 7718 MCPHERSON RD., BUILDING F LAREDO, TX 78045 |
* | $ 910,477,000 | 4 | $ 672,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 3 | $ 285,000 |
| Texas Community Bank, N.A. P. O. BOX 450269 LAREDO, TX 78045 |
* | $ 658,650,000 | 3 | $ 79,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 3 | $ 404,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 3 | $ 183,000 |
| Frost National Bank 100 W. HOUSTON T-5 SAN ANTONIO, TX 78205 |
* | $ 15,112,135,000 | 3 | $ 87,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 3 | $ 266,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 2 | $ 324,000 |
| First National Bank P. O. BOX 810 100 W. CANO EDINBURG, TX 78540 |
* | $ 4,184,844,000 | 2 | $ 81,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 170,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 2 | $ 324,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 2 | $ 389,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 244,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 325,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 2 | $ 1,208,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 112,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 115,000 |
| Inter National Bank 1801 S. 2ND ST. MCALLEN, TX 78503 |
* | $ 1,746,144,000 | 1 | $ 99,000 |
| Rio Bank 1655 N 23RD STREET MCALLEN, TX 78501 |
* | $ 176,971,000 | 1 | $ 40,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 591,753,000 | 1 | $ 71,000 |
| Arcola Homestead Savings Bank 110 N. OAK ST. P. O. BOX 98 ARCOLA, IL 61910 |
* | $ 14,785,000 | 1 | $ 149,000 |
| United Heritage Credit Union 12208 N MOPAC EXPY AUSTIN, TX 78759 |
* | $ 594,181,000 | 1 | $ 15,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 43,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 41,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 209,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 1 | $ 137,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Classic Home Financial, Inc. 10700 RICHMOND AVENUE #150 HOUSTON, TX 77042 |
* | $ 428,000,000 | 1 | $ 98,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 5,032,752,000 | 1 | $ 128,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 209,000 |
| H-E-B Federal Credit Union 4630 N LOOP 1604 W, SUITE 101 SAN ANTONIO, TX 78278 |
* | $ 118,316,000 | 1 | $ 82,000 |
| Security First Federal Credit Union 3515 S. JACKSON RD. EDINBURG, TX 78539 |
* | $ 214,133,000 | 1 | $ 105,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 1 | $ 25,000 |
The tables below break down 2009 mortgage applications in Starr 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 Starr County, TX in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 297 | $24,218,000 | $81,000 | $604,000 | $54,000 | $500,000 |
| Home Improvement | 188 | $3,860,000 | $20,000 | $218,000 | $42,000 | $1,488,000 |
| Home Purchase | 168 | $15,825,000 | $94,000 | $313,000 | $54,000 | $196,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 537 | $36,221,000 | $67,000 | $604,000 | $52,000 | $1,488,000 |
| Not applicable | 56 | $2,706,000 | $48,000 | $168,000 | $18,000 | $193,000 |
| Not Provided | 31 | $2,176,000 | $70,000 | $260,000 | $74,000 | $193,000 |
| White | 28 | $2,641,000 | $94,000 | $214,000 | $59,000 | $120,000 |
| Asian | 1 | $159,000 | $159,000 | $159,000 | $59,000 | $59,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 515 | $28,585,000 | $55,000 | $604,000 | $51,000 | $1,488,000 |
| FHA-insured (Federal Housing Administration) | 101 | $10,660,000 | $105,000 | $260,000 | $49,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $4,003,000 | $125,000 | $313,000 | $48,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 5 | $655,000 | $131,000 | $138,000 | $70,000 | $142,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 249 | $15,274,000 | $61,000 | $313,000 | $50,000 | $210,000 |
| Loan Originated | 197 | $12,551,000 | $63,000 | $270,000 | $44,000 | $178,000 |
| Loan Purchased By The Institution | 87 | $5,666,000 | $65,000 | $187,000 | $33,000 | $236,000 |
| Application Approved But Not Accepted | 49 | $3,489,000 | $71,000 | $214,000 | $55,000 | $169,000 |
| Application Withdrawn By Applicant | 41 | $3,520,000 | $85,000 | $260,000 | $96,000 | $1,488,000 |
| File Closed For Incompleteness | 30 | $3,403,000 | $113,000 | $604,000 | $81,000 | $500,000 |
| 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 | 67 | $3,316,000 | $49,000 | $203,000 | $52,000 | $210,000 |
| Debt-To-Income Ratio | 51 | $1,569,000 | $30,000 | $191,000 | $26,000 | $89,000 |
| Collateral | 41 | $3,623,000 | $88,000 | $194,000 | $67,000 | $170,000 |
| Other | 14 | $1,172,000 | $83,000 | $176,000 | $68,000 | $196,000 |
| Credit Application Incomplete | 11 | $1,611,000 | $146,000 | $313,000 | $72,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $146,000 | $29,000 | $129,000 | $44,000 | $109,000 |
| Unverifiable Information | 4 | $243,000 | $60,000 | $135,000 | $56,000 | $119,000 |
| Employment History | 2 | $150,000 | $75,000 | $80,000 | $12,000 | $14,000 |
| 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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