Sterling County, TX Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 33 mortgage applications in Sterling County, TX totaling $7.2 million, down 8% from 2017. The average application was for $218,000, and applicants reported an average income of $136,000. 39% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 4 applications, followed by Mortgage Financial Services and Vanderbilt Mortgage and Finance, Inc.
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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 | 33 |
| Total Mortgage Loan Application Amount | $7,215,000 |
| Average Mortgage Loan Application Amount | $218,000 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $136,000 |
| Highest Applicant Income | $1,104,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 310,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 3 | $ 405,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 135,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ 126,561,000 | 2 | $ 270,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 370,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 246,238,000 | 2 | $ 100,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 155,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 65,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 1 | $ 175,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 165,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 245,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 305,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 185,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 86,504,843,000 | 1 | $ 35,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 876,756,000 | 1 | $ 145,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 75,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 85,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ -1,000 | 1 | $ 3,005,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 85,000 |
| Crockett National Bank 8018 BROADWAY STE 200 SAN ANTONIO, TX 78209 |
* | $ 662,566,000 | 1 | $ 355,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 85,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 175,000 |
The tables below break down 2018 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 2018
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 | 20 | $2,660,000 | $133,000 | $355,000 | $90,000 | $239,000 |
| Refinancing | 5 | $3,705,000 | $741,000 | $3,005,000 | $102,000 | $154,000 |
| Cash-out Refinancing | 4 | $550,000 | $137,000 | $305,000 | $380,000 | $1,104,000 |
| Other Purpose | 2 | $170,000 | $85,000 | $95,000 | $30,000 | $30,000 |
| Home Improvement | 1 | $45,000 | $45,000 | $45,000 | $134,000 | $134,000 |
| Not Applicable | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
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 | 20 | $5,750,000 | $287,000 | $3,005,000 | $104,000 | $223,000 |
| Hispanic | 8 | $660,000 | $82,000 | $155,000 | $206,000 | $1,104,000 |
| Not applicable | 4 | $500,000 | $125,000 | $165,000 | $0 | $0 |
| Not Provided | 1 | $305,000 | $305,000 | $305,000 | $113,000 | $113,000 |
| 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) | 24 | $5,700,000 | $237,000 | $3,005,000 | $151,000 | $1,104,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,035,000 | $207,000 | $285,000 | $93,000 | $107,000 |
| FHA-insured (Federal Housing Administration) | 4 | $480,000 | $120,000 | $165,000 | $42,000 | $54,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 13 | $1,535,000 | $118,000 | $245,000 | $86,000 | $223,000 |
| Application Denied By Financial Institution | 8 | $620,000 | $77,000 | $155,000 | $207,000 | $1,104,000 |
| Application Withdrawn By Applicant | 7 | $4,205,000 | $600,000 | $3,005,000 | $116,000 | $154,000 |
| Loan Purchased By The Institution | 4 | $500,000 | $125,000 | $165,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $355,000 | $355,000 | $355,000 | $199,000 | $199,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 22 | $6,180,000 | $280,000 | $3,005,000 | $105,000 | $223,000 |
| Credit History | 7 | $465,000 | $66,000 | $125,000 | $225,000 | $1,104,000 |
| Debt-To-Income Ratio | 3 | $415,000 | $138,000 | $175,000 | $79,000 | $79,000 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $83,000 | $83,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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