Sutton County, TX Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 83 mortgage applications in Sutton County, TX totaling $15.1 million, down 19% from 2016. The average application was for $181,000, and applicants reported an average income of $106,000. 45% of applications resulted in an originated loan and 36% were denied. The most active lender was The First National Bank of Sonora, with 22 applications, followed by The Bank & Trust, S.S.B. 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 | 83 |
| Total Mortgage Loan Application Amount | $15,087,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $6,485,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $1,465,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 346,962,000 | 22 | $ 1,123,000 |
| The Bank & Trust, S.S.B. 1200 VETERANS BLVD DEL RIO, TX 78840 |
* | $ 441,480,000 | 11 | $ 1,309,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 6 | $ 459,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 4 | $ 500,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 340,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 105,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 192,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 290,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 2 | $ 384,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 293,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ -1,000 | 2 | $ 337,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 6,782,077,000 | 1 | $ 5,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 280,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 1 | $ 70,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 150,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 110,000 |
| Capital Farm Credit, Aca 3000 BRIARCREST DRIVE SUITE 601 BRYAN, TX 77802 |
* | $ -1,000 | 1 | $ 6,485,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 1 | $ 49,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 280,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 117,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,881,666,000 | 1 | $ 270,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 41,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 162,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 61,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 131,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 160,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 120,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 109,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 137,000 |
| Legacy Mortgage LLC 6725 ACADEMY ROAD NE ALBUQUERQUE, NM 87109 |
* | $ -1,000 | 1 | $ 91,000 |
| Texas State Bank 2201 SHERWOOD WAY SAN ANGELO, TX 76901 |
* | $ 256,226,000 | 1 | $ 250,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 30,000 |
The tables below break down 2017 mortgage applications in Sutton 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 Sutton County, TX in 2017
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 | 44 | $5,926,000 | $134,000 | $310,000 | $122,000 | $1,284,000 |
| Refinancing | 22 | $8,893,000 | $404,000 | $6,485,000 | $126,000 | $1,465,000 |
| Home Improvement | 17 | $268,000 | $15,000 | $76,000 | $41,000 | $150,000 |
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 | 37 | $2,649,000 | $71,000 | $270,000 | $53,000 | $178,000 |
| White | 32 | $4,062,000 | $126,000 | $310,000 | $108,000 | $345,000 |
| Not Provided | 10 | $1,384,000 | $138,000 | $276,000 | $196,000 | $1,284,000 |
| Not applicable | 4 | $6,992,000 | $1,748,000 | $6,485,000 | $366,000 | $1,465,000 |
| 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) | 63 | $12,002,000 | $190,000 | $6,485,000 | $121,000 | $1,465,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,016,000 | $155,000 | $280,000 | $43,000 | $154,000 |
| VA-guaranteed (Veterans Administration) | 6 | $978,000 | $163,000 | $215,000 | $95,000 | $280,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $91,000 | $91,000 | $91,000 | $54,000 | $54,000 |
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 | 37 | $10,327,000 | $279,000 | $6,485,000 | $121,000 | $1,465,000 |
| Application Denied By Financial Institution | 30 | $2,680,000 | $89,000 | $276,000 | $112,000 | $1,284,000 |
| Application Withdrawn By Applicant | 5 | $671,000 | $134,000 | $160,000 | $77,000 | $149,000 |
| File Closed For Incompleteness | 4 | $319,000 | $79,000 | $114,000 | $60,000 | $150,000 |
| Loan Purchased By The Institution | 4 | $659,000 | $164,000 | $280,000 | $15,000 | $62,000 |
| Application Approved But Not Accepted | 3 | $431,000 | $143,000 | $270,000 | $106,000 | $178,000 |
| 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 | 8 | $419,000 | $52,000 | $190,000 | $170,000 | $1,284,000 |
| Collateral | 3 | $462,000 | $154,000 | $270,000 | $114,000 | $177,000 |
| Credit Application Incomplete | 2 | $239,000 | $119,000 | $169,000 | $128,000 | $172,000 |
| Debt-To-Income Ratio | 2 | $280,000 | $140,000 | $170,000 | $44,000 | $50,000 |
| Employment History | 1 | $91,000 | $91,000 | $91,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $276,000 | $276,000 | $276,000 | $146,000 | $146,000 |
| 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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