Trinity County, TX Mortgage Lenders & HMDA Data, 2008

In 2008, lenders reported 324 mortgage applications in Trinity County, TX totaling $29.8 million, down 29% from 2007. The average application was for $92,000, and applicants reported an average income of $103,000. 39% of applications resulted in an originated loan and 35% were denied. The most active lender was Citifinancial Inc, with 33 applications, followed by JPMorgan Chase Bank, NA and Countrywide Bank FSB.

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Total Number of Mortgage Applications 324
Total Mortgage Loan Application Amount $29,828,000
Average Mortgage Loan Application Amount $92,000
Highest Mortgage Loan Application Amount $741,000
Average Applicant Income $103,000
Highest Applicant Income $9,152,000

Mortgage Company List for Lending in Trinity County, TX for 2008

* 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
Citifinancial Inc
300 ST PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 33 $ 1,943,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,318,888,000,000 28 $ 2,954,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 121,054,736,000 26 $ 3,139,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 20 $ 1,050,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 467,861,000,000 19 $ 1,381,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,312,794,218,000 19 $ 1,722,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 232,759,503,000 15 $ 847,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 11 $ 1,099,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 97,517,902,000 10 $ 97,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 9 $ 858,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 8 $ 1,224,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 7 $ 578,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 6 $ 755,000
Colonial Savings, F. A.
P. O. BOX 2988
FORT WORTH, TX 76113
* $ 949,331,000 6 $ 869,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,757,171,000 6 $ 782,000
First Bank & Trust East Texas
104 N TEMPLE BLVD
DIBOLL, TX 75941
* $ 592,398,000 6 $ 675,000
Wells Fargo Fin'l Texas, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 6 $ 189,000
CU Factory Built Lending, LP
6061 IH-10 WEST
SAN ANTONIO, TX 78201
* $ 1,761,607,000 5 $ 254,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 269,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 30,219,506,000 4 $ 674,000
Amtrust Bank
1801 E. 9TH ST #200
CLEVELAND, OH 44114
* $ 16,938,391,000 4 $ 526,000
Amegy Mortgage Company, L.L.C
4576 RESEARCH FOREST BLVD
THE WOODLANDS, TX 77381
* $ 31,000,000 3 $ 759,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 2 $ 404,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 2 $ 429,000
Hometrust Mortgage Company
5353 W. ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 2 $ 431,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 61,450,273,000 2 $ 260,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 2 $ 240,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 90,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 2 $ 189,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 738,769,000 2 $ 394,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 15,898,003,000 2 $ 118,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 14,839,190,000 2 $ 37,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 5,518,089,000 2 $ 227,000
Bancorpsouth Bank
P O BOX 789
TUPELO, MS 38802
* $ 13,192,320,000 2 $ 106,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 28,404,352,000 2 $ 82,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 137,049,763,000 2 $ 193,000
BBVA USA
15 SOUTH 20TH STREET
BIRMINGHAM, AL 35233
* $ 43,810,702,000 2 $ 216,000
First State Bank of Livingston
112 W. POLK ST
LIVINGSTON, TX 77351
* $ 239,257,000 2 $ 13,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 175,107,526,000 2 $ 567,000
First Community Bank NA
3 SUGAR CREEK CENTER BLVD SUITE 200
SUGAR LAND, TX 77478
* $ 89,432,000 2 $ 112,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 36,725,591,000 2 $ 193,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 138,755,343,000 1 $ 81,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 7,406,877,000 1 $ 260,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,368,462,000 1 $ 40,000
First Bank
1800 WEST WHITE OAK TERRACE
CONROE, TX 77304
* $ 237,829,000 1 $ 77,000
H&R Block Bank
ONE H&R BLOCK WAY
KANSAS CITY, MO 64105
* $ 1,495,905,000 1 $ 105,000
Guaranty Bank
8333 DOUGLAS AVENUE
DALLAS, TX 75225
* $ 16,674,004,000 1 $ 105,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 199,946,230,000 1 $ 52,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 64,072,546,000 1 $ 150,000
Your Federal Credit Union
8384 N. BELT LINE ROAD
IRVING, TX 75063
* $ 144,875,000 1 $ 175,000
Prosperity Bank
1301 N MECHANIC
EL CAMPO, TX 77437
* $ 6,357,701,000 1 $ 10,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 2,489,439,000 1 $ 5,000
Houston Community Bank, N.A.
11390 VETERANS MEMORIAL DRIVE
HOUSTON, TX 77067
* $ 207,044,000 1 $ 40,000
First National Bank in Port Lavaca
PO DRAWER 7
PORT LAVACA, TX 77979
* $ 166,107,000 1 $ 42,000
Legend Bank, N.A.
101 TARRANT ST
BOWIE, TX 76230
* $ 453,407,000 1 $ 8,000
Ark-La-Tex Financial Services
5160 TENNYSON PKWY, SUITE 2000W
PLANO, TX 75024
* $ 10,000,000 1 $ 146,000
Interlinc Mtg Inc
19221 I 45 SOUTH SUITE 210
CONROE, TX 77385
* $ 850,000 1 $ 75,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 1 $ 85,000
Citi Residential Lending Inc.
153 EAST 53RD ST, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,121,487,000 1 $ 85,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 343,735,670,000 1 $ 71,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 100,000
Republic State Mortgage Co.
2715 BISSONNET, SUITE 102
HOUSTON, TX 77005
* $ 10,000,000 1 $ 140,000
Novastar Mortgage
2114 CENTRAL SUITE 600
KANSAS CITY, MO 64108
* $ 10,000,000 1 $ 50,000
Lending.Com
12700 PARK CENTRAL 21ST FLOOR
DALLAS, TX 75251
* $ 9,585,000 1 $ 98,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 1 $ 25,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 1 $ 111,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 1 $ 130,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 126,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 144,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 172,000

The tables below break down 2008 mortgage applications in Trinity 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 Trinity County, TX in 2008

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
Refinancing 131 $14,163,000 $108,000 $741,000 $70,000 $500,000
Home Purchase 126 $13,303,000 $105,000 $430,000 $86,000 $360,000
Home Improvement 67 $2,362,000 $35,000 $389,000 $200,000 $9,152,000

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 239 $21,747,000 $90,000 $741,000 $111,000 $9,152,000
Black or African American 28 $2,157,000 $77,000 $260,000 $61,000 $264,000
Not Provided 27 $3,237,000 $119,000 $395,000 $92,000 $293,000
Not applicable 14 $1,341,000 $95,000 $247,000 $37,000 $180,000
Hispanic 13 $976,000 $75,000 $150,000 $111,000 $467,000
American Indian or Alaskan Native 2 $311,000 $155,000 $159,000 $294,000 $500,000
Asian 1 $59,000 $59,000 $59,000 $60,000 $60,000
Native Hawaiian 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) 285 $26,179,000 $91,000 $741,000 $110,000 $9,152,000
FHA-insured (Federal Housing Administration) 33 $3,104,000 $94,000 $157,000 $48,000 $97,000
VA-guaranteed (Veterans Administration) 5 $479,000 $95,000 $121,000 $61,000 $141,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $66,000 $66,000 $66,000 $39,000 $39,000

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 127 $12,570,000 $98,000 $417,000 $88,000 $467,000
Application Denied By Financial Institution 113 $8,947,000 $79,000 $741,000 $149,000 $9,152,000
Loan Purchased By The Institution 40 $4,310,000 $107,000 $258,000 $60,000 $242,000
Application Approved But Not Accepted 21 $1,864,000 $88,000 $417,000 $51,000 $109,000
Application Withdrawn By Applicant 16 $1,676,000 $104,000 $315,000 $113,000 $500,000
File Closed For Incompleteness 7 $461,000 $65,000 $91,000 $25,000 $32,000
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 23 $1,014,000 $44,000 $389,000 $456,000 $9,152,000
Collateral 12 $1,215,000 $101,000 $392,000 $59,000 $105,000
Debt-To-Income Ratio 8 $899,000 $112,000 $257,000 $57,000 $94,000
Credit Application Incomplete 7 $1,228,000 $175,000 $430,000 $150,000 $323,000
Other 7 $771,000 $110,000 $395,000 $87,000 $267,000
Unverifiable Information 2 $199,000 $99,000 $160,000 $43,000 $49,000
Employment History 2 $301,000 $150,000 $175,000 $76,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 2 $121,000 $60,000 $68,000 $42,000 $50,000
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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