Sterling County, TX Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 45 mortgage applications in Sterling County, TX totaling $5.6 million, up 181% from 2015. The average application was for $124,000, and applicants reported an average income of $69,000. 42% of applications resulted in an originated loan and 31% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 5 applications, followed by Gateway Mortgage Group, LLC and 21st Mortgage.
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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 | 45 |
| Total Mortgage Loan Application Amount | $5,616,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $247,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $180,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 467,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 3 | $ 304,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 262,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 6,642,171,000 | 3 | $ 223,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 326,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 2 | $ 330,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ 100,000,000 | 2 | $ 328,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 345,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 218,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 1 | $ 219,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Integrity First Financial Group, Inc. 6333 GREENWICH DRIVE SUITE 280 SAN DIEGO, CA 92122 |
* | $ 26,494,000 | 1 | $ 245,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 45,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 22,025,607,000 | 1 | $ 178,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 107,000 |
| Qualtrust Credit Union 6201 E CAMPUS CIRCLE DR IRVING, TX 75063 |
* | $ 192,448,000 | 1 | $ 51,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 156,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 247,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 41,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Ssbt Mortgage Group, LLC PO BOX 471 FREDERICKSBURG, TX 78624 |
* | $ 100,000,000 | 1 | $ 100,000 |
| Texas State Bank 2201 SHERWOOD WAY SAN ANGELO, TX 76901 |
* | $ 258,080,000 | 1 | $ 136,000 |
| Legacy Mortgage LLC 6725 ACADEMY ROAD NE ALBUQUERQUE, NM 87109 |
* | $ 1,000,000,000 | 1 | $ 219,000 |
| Gardner Financial Services, Ltd. 3503 PAESANOS PKWY SAN ANTONIO, TX 78231 |
* | $ 81,392,000 | 1 | $ 105,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 119,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 202,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 341,326,000 | 1 | $ 72,000 |
The tables below break down 2016 mortgage applications in Sterling 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 Sterling 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 | 28 | $3,455,000 | $123,000 | $247,000 | $54,000 | $164,000 |
| Refinancing | 15 | $1,938,000 | $129,000 | $219,000 | $91,000 | $180,000 |
| Home Improvement | 2 | $223,000 | $111,000 | $219,000 | $102,000 | $110,000 |
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 | 28 | $3,731,000 | $133,000 | $247,000 | $79,000 | $180,000 |
| Hispanic | 8 | $709,000 | $88,000 | $156,000 | $87,000 | $179,000 |
| Not applicable | 5 | $791,000 | $158,000 | $247,000 | $0 | $0 |
| Not Provided | 4 | $385,000 | $96,000 | $137,000 | $48,000 | $58,000 |
| Native Hawaiin 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) | 33 | $3,879,000 | $117,000 | $219,000 | $80,000 | $180,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,161,000 | $129,000 | $245,000 | $38,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 2 | $494,000 | $247,000 | $247,000 | $28,000 | $57,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $82,000 | $82,000 | $82,000 | $52,000 | $52,000 |
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 | 19 | $2,532,000 | $133,000 | $247,000 | $81,000 | $164,000 |
| Application Denied By Financial Institution | 14 | $1,438,000 | $102,000 | $208,000 | $78,000 | $180,000 |
| Loan Purchased By The Institution | 7 | $1,212,000 | $173,000 | $247,000 | $26,000 | $110,000 |
| File Closed For Incompleteness | 4 | $355,000 | $88,000 | $120,000 | $54,000 | $85,000 |
| Application Withdrawn By Applicant | 1 | $79,000 | $79,000 | $79,000 | $52,000 | $52,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3 | $205,000 | $68,000 | $82,000 | $89,000 | $179,000 |
| Debt-To-Income Ratio | 1 | $100,000 | $100,000 | $100,000 | $36,000 | $36,000 |
| Collateral | 1 | $170,000 | $170,000 | $170,000 | $75,000 | $75,000 |
| Credit Application Incomplete | 1 | $119,000 | $119,000 | $119,000 | $150,000 | $150,000 |
| 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 |
| Other | 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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