Stonewall County, TX Mortgage Lenders & HMDA Data, 2006

In 2006, lenders reported 14 mortgage applications in Stonewall County, TX totaling $689,000, down 62% from 2005. The average application was for $49,000, and applicants reported an average income of $36,000. 36% of applications resulted in an originated loan and 43% were denied. The most active lender was Hamlin National Bank, with 2 applications, followed by Midfirst Bank and First Financial Bank N.A. Sw.

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Total Number of Mortgage Applications 14
Total Mortgage Loan Application Amount $689,000
Average Mortgage Loan Application Amount $49,000
Highest Mortgage Loan Application Amount $236,000
Average Applicant Income $36,000
Highest Applicant Income $140,000
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Top Mortgage Lenders in Stonewall County, TX (2006)

Ranked by the number of mortgage applications each lender reported in Stonewall County, TX in 2006.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 Hamlin National Bank
Hamlin, TX
2 $14,000 $7,000 $54,000
2 Midfirst Bank
Oklahoma City, OK
1 $28,000 $28,000 $2,000
3 First Financial Bank N.A. Sw
Sweetwater, TX
1 $37,000 $37,000 $43,000
4 American State Bank
Lubbock, TX
1 $28,000 $28,000 $31,000
5 Regions Bank
Birmingham, AL
1 $236,000 $236,000 $140,000
6 Countrywide Home Loans
Westlake Village, CA
1 $29,000 $29,000 $38,000
7 Citifinancial Inc
Baltimore, MD
1 $25,000 $25,000 $29,000
8 Citimortgage, Inc
New York, NY
1 $29,000 $29,000 $38,000
9 Greenlight Financial Services
Irvine, CA
1 $25,000 $25,000 $0
10 Nationstar Mortgage
Coppell, TX
1 $65,000 $65,000 $42,000

See every lender active in Stonewall County, TX in 2006 »

The tables below break down 2006 mortgage applications in Stonewall 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 Stonewall County, TX in 2006

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 7 $492,000 $70,000 $236,000 $48,000 $140,000
Home Improvement 4 $64,000 $16,000 $25,000 $34,000 $78,000
Refinancing 3 $133,000 $44,000 $65,000 $14,000 $42,000

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 8 $412,000 $51,000 $236,000 $45,000 $140,000
Not applicable 2 $138,000 $69,000 $109,000 $19,000 $38,000
Not Provided 2 $50,000 $25,000 $25,000 $14,000 $29,000
Hispanic 2 $89,000 $44,000 $65,000 $44,000 $46,000
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) 10 $482,000 $48,000 $236,000 $44,000 $140,000
FHA-insured (Federal Housing Administration) 3 $98,000 $32,000 $40,000 $25,000 $38,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $109,000 $109,000 $109,000 $0 $0
VA-guaranteed (Veterans Administration) 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
Application Denied By Financial Institution 6 $416,000 $69,000 $236,000 $42,000 $140,000
Loan Originated 5 $95,000 $19,000 $29,000 $44,000 $78,000
Loan Purchased By The Institution 2 $138,000 $69,000 $109,000 $19,000 $38,000
Application Approved But Not Accepted 1 $40,000 $40,000 $40,000 $0 $0
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
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
Credit History 1 $37,000 $37,000 $37,000 $43,000 $43,000
Debt-To-Income Ratio 1 $28,000 $28,000 $28,000 $2,000 $2,000
Insufficient Cash (Downpayment, Closing Cost) 1 $236,000 $236,000 $236,000 $140,000 $140,000
Other 1 $65,000 $65,000 $65,000 $42,000 $42,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 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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