Stephens County, TX Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 160 mortgage applications in Stephens County, TX totaling $15.7 million, up 26% from 2015. The average application was for $98,000, and applicants reported an average income of $73,000. 43% of applications resulted in an originated loan and 26% were denied. The most active lender was Interbank, with 24 applications, followed by First Financial Bank and State Farm Bank, F.S.B..
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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 | 160 |
| Total Mortgage Loan Application Amount | $15,693,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $393,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $256,000 |
* 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 |
|---|---|---|---|---|
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 2,903,698,000 | 24 | $ 1,438,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 6,642,171,000 | 22 | $ 1,774,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 15 | $ 1,709,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 12 | $ 1,445,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 801,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 4 | $ 699,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 183,000 |
| Abilene Teachers FCU P.O. BOX 5706 ABILENE, TX 79606 |
* | $ 413,850,000 | 4 | $ 349,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 3 | $ 393,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 53,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 2 | $ 188,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 168,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 2 | $ 171,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 2 | $ 204,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 338,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 2 | $ 275,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 306,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 163,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 338,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 136,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 2 | $ 360,000 |
| R Bank 3600 E PALM VALLEY BLVD ROUND ROCK, TX 78665 |
* | $ 370,444,000 | 1 | $ 178,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 125,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 120,000 |
| Guaranty Bank & Trust 100 W ARKANSAS ST MT PLEASANT, TX 75455 |
* | $ 1,681,069,000 | 1 | $ 90,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 167,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 53,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 106,000 |
| First National Bank of Anson P O BOX 672 ANSON, TX 79501 |
* | $ 61,990,000 | 1 | $ 73,000 |
| Eecu 1617 W. 7TH STREET FORT WORTH, TX 76102 |
* | $ 1,819,385,000 | 1 | $ 28,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ 31,000,000 | 1 | $ 80,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 1 | $ 64,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 118,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 1 | $ 29,000 |
| Platinum Bank 6502 SLIDE RD, SUITE 110 LUBBOCK, TX 79424 |
* | $ 256,578,000 | 1 | $ 74,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 68,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 55,000 |
| My Community Credit Union 600 W LOUISIANA AVE MIDLAND, TX 79701 |
* | $ 317,086,000 | 1 | $ 108,000 |
| Citizens Bank, National Association 4201 S TREADAWAY BLVD ABILENE, TX 79602 |
* | $ 109,473,000 | 1 | $ 222,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 961,290,000 | 1 | $ 59,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 156,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 90,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 100,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 107,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 269,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 108,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 204,000 |
The tables below break down 2016 mortgage applications in Stephens 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 Stephens County, TX in 2016
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 | 84 | $7,734,000 | $92,000 | $195,000 | $63,000 | $196,000 |
| Refinancing | 56 | $7,247,000 | $129,000 | $393,000 | $88,000 | $256,000 |
| Home Improvement | 20 | $712,000 | $35,000 | $150,000 | $70,000 | $132,000 |
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 | 125 | $12,095,000 | $96,000 | $393,000 | $78,000 | $256,000 |
| Hispanic | 13 | $1,215,000 | $93,000 | $222,000 | $85,000 | $167,000 |
| Not applicable | 11 | $1,275,000 | $115,000 | $229,000 | $0 | $0 |
| Not Provided | 9 | $976,000 | $108,000 | $204,000 | $81,000 | $173,000 |
| Black or African American | 1 | $88,000 | $88,000 | $88,000 | $49,000 | $49,000 |
| American Indian or Alaskan Native | 1 | $44,000 | $44,000 | $44,000 | $61,000 | $61,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 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) | 116 | $11,522,000 | $99,000 | $393,000 | $85,000 | $256,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,527,000 | $80,000 | $161,000 | $41,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,071,000 | $129,000 | $195,000 | $47,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $573,000 | $63,000 | $87,000 | $29,000 | $55,000 |
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 | 69 | $6,000,000 | $86,000 | $393,000 | $79,000 | $256,000 |
| Application Denied By Financial Institution | 42 | $4,424,000 | $105,000 | $269,000 | $68,000 | $162,000 |
| Application Withdrawn By Applicant | 21 | $2,257,000 | $107,000 | $262,000 | $103,000 | $196,000 |
| Loan Purchased By The Institution | 15 | $1,805,000 | $120,000 | $229,000 | $28,000 | $126,000 |
| File Closed For Incompleteness | 9 | $793,000 | $88,000 | $193,000 | $66,000 | $117,000 |
| Application Approved But Not Accepted | 4 | $414,000 | $103,000 | $136,000 | $38,000 | $96,000 |
| 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 | 15 | $1,625,000 | $108,000 | $269,000 | $54,000 | $95,000 |
| Credit History | 4 | $154,000 | $38,000 | $75,000 | $63,000 | $99,000 |
| Other | 3 | $216,000 | $72,000 | $112,000 | $77,000 | $123,000 |
| Collateral | 2 | $396,000 | $198,000 | $252,000 | $83,000 | $128,000 |
| Credit Application Incomplete | 2 | $410,000 | $205,000 | $265,000 | $149,000 | $162,000 |
| Unverifiable Information | 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 |
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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