Union County, NM Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 68 mortgage applications in Union County, NM totaling $14.2 million, down 38% from 2010. The average application was for $208,000, and applicants reported an average income of $218,000. 51% of applications resulted in an originated loan and 19% were denied. The most active lender was Farmers & Stockmens Bank, with 23 applications, followed by Embrace Home Loans, Inc. and Wells Fargo Bank NA.
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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 | 68 |
| Total Mortgage Loan Application Amount | $14,161,000 |
| Average Mortgage Loan Application Amount | $208,000 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $218,000 |
| Highest Applicant Income | $9,999,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Farmers & Stockmens Bank 22 MAPLE STREET CLAYTON, NM 88415 |
* | $ 80,675,000 | 23 | $ 3,595,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 512,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 5 | $ 6,404,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 493,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 4 | $ 298,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 3 | $ 618,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 247,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 102,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 1,576,572,000 | 2 | $ 226,000 |
| Inbank 200 SOUTH SECOND STREET, PO DRAWER 1028 RATON, NM 87740 |
* | $ 323,728,000 | 2 | $ 92,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 45,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 86,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 1 | $ 148,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 1 | $ 234,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 76,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 83,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 140,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 87,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 24,055,290,000 | 1 | $ 132,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 109,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 1 | $ 85,000 |
| State Employees Credit Union 813 ST. MICHAELS DR. SANTA FE, NM 87505 |
* | $ 285,387,000 | 1 | $ 45,000 |
The tables below break down 2011 mortgage applications in Union County, NM by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Union County, NM in 2011
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 | 34 | $9,059,000 | $266,000 | $6,000,000 | $373,000 | $9,999,000 |
| Home Purchase | 28 | $4,639,000 | $165,000 | $1,275,000 | $63,000 | $404,000 |
| Home Improvement | 6 | $463,000 | $77,000 | $200,000 | $64,000 | $120,000 |
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 | 45 | $10,338,000 | $229,000 | $6,000,000 | $307,000 | $9,999,000 |
| Hispanic | 13 | $822,000 | $63,000 | $208,000 | $63,000 | $189,000 |
| Not applicable | 5 | $2,433,000 | $486,000 | $1,275,000 | $8,000 | $42,000 |
| Not Provided | 5 | $568,000 | $113,000 | $234,000 | $31,000 | $68,000 |
| 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) | 49 | $12,127,000 | $247,000 | $6,000,000 | $280,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 8 | $690,000 | $86,000 | $115,000 | $37,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 7 | $873,000 | $124,000 | $234,000 | $48,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $471,000 | $117,000 | $207,000 | $118,000 | $404,000 |
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 | 35 | $10,761,000 | $307,000 | $6,000,000 | $361,000 | $9,999,000 |
| Application Denied By Financial Institution | 13 | $1,860,000 | $143,000 | $246,000 | $69,000 | $121,000 |
| Application Withdrawn By Applicant | 7 | $495,000 | $70,000 | $200,000 | $47,000 | $120,000 |
| Application Approved But Not Accepted | 6 | $396,000 | $66,000 | $86,000 | $84,000 | $264,000 |
| Loan Purchased By The Institution | 5 | $455,000 | $91,000 | $148,000 | $60,000 | $145,000 |
| File Closed For Incompleteness | 2 | $194,000 | $97,000 | $109,000 | $85,000 | $90,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 4 | $803,000 | $200,000 | $246,000 | $99,000 | $121,000 |
| Credit History | 2 | $195,000 | $97,000 | $140,000 | $50,000 | $80,000 |
| Debt-To-Income Ratio | 2 | $405,000 | $202,000 | $246,000 | $87,000 | $97,000 |
| Unverifiable Information | 1 | $70,000 | $70,000 | $70,000 | $32,000 | $32,000 |
| Credit Application Incomplete | 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 |
| Other | 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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