Upton County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 65 mortgage applications in Upton County, TX totaling $4.2 million, up 7% from 2011. The average application was for $65,000, and applicants reported an average income of $60,000. 46% of applications resulted in an originated loan and 22% were denied. The most active lender was 21st Mortgage, with 21 applications, followed by Security Bank and JPMorgan Chase 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 | 65 |
| Total Mortgage Loan Application Amount | $4,241,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $185,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $150,000 |
| 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 |
* | $ 10,000,000 | 21 | $ 1,278,000 |
| Security Bank 600 N. MARIENFELD, STE 200 MIDLAND, TX 79701 |
* | $ 671,267,000 | 13 | $ 662,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 5 | $ 345,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 4 | $ 338,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 3 | $ 156,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 332,060,000 | 2 | $ 100,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 2 | $ 170,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 264,196,000 | 1 | $ 95,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 77,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 1 | $ 87,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 1 | $ 54,000 |
| Lrs Financial Network dba Hnb Mortgage 2101 W. WADLEY STE. 36 MIDLAND, TX 79705 |
* | $ 11,322,000 | 1 | $ 63,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 59,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ 80,127,000 | 1 | $ 50,000 |
| Commercial State Bank 200 SOUTH MAIN STREET ANDREWS, TX 79714 |
* | $ 419,347,000 | 1 | $ 8,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 593,537,000 | 1 | $ 41,000 |
| Viewpoint Bank, N.A. 1309 W 15TH, SUITE 302 PLANO, TX 75075 |
* | $ 3,179,743,000 | 1 | $ 185,000 |
| First Basin Credit Union 2740 NORTH COUNTY ROAD WEST ODESSA, TX 79764 |
* | $ 173,367,000 | 1 | $ 64,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 115,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 120,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 66,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 108,000 |
The tables below break down 2012 mortgage applications in Upton 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 Upton County, TX in 2012
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 | 58 | $3,720,000 | $64,000 | $185,000 | $61,000 | $150,000 |
| Refinancing | 6 | $513,000 | $85,000 | $115,000 | $45,000 | $118,000 |
| Home Improvement | 1 | $8,000 | $8,000 | $8,000 | $72,000 | $72,000 |
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 | 36 | $2,511,000 | $69,000 | $185,000 | $68,000 | $150,000 |
| Hispanic | 21 | $1,097,000 | $52,000 | $87,000 | $61,000 | $126,000 |
| Not Provided | 5 | $316,000 | $63,000 | $85,000 | $35,000 | $63,000 |
| Not applicable | 3 | $317,000 | $105,000 | $180,000 | $0 | $0 |
| 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) | 47 | $2,820,000 | $60,000 | $180,000 | $64,000 | $150,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,081,000 | $90,000 | $185,000 | $57,000 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $232,000 | $46,000 | $54,000 | $42,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 1 | $108,000 | $108,000 | $108,000 | $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 | 30 | $1,999,000 | $66,000 | $180,000 | $63,000 | $150,000 |
| Application Denied By Financial Institution | 14 | $923,000 | $65,000 | $141,000 | $65,000 | $144,000 |
| Application Approved But Not Accepted | 9 | $467,000 | $51,000 | $86,000 | $65,000 | $112,000 |
| Loan Purchased By The Institution | 8 | $645,000 | $80,000 | $185,000 | $44,000 | $96,000 |
| Application Withdrawn By Applicant | 4 | $207,000 | $51,000 | $85,000 | $45,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $165,000 | $41,000 | $63,000 | $74,000 | $144,000 |
| Debt-To-Income Ratio | 4 | $328,000 | $82,000 | $141,000 | $31,000 | $53,000 |
| Employment History | 1 | $62,000 | $62,000 | $62,000 | $126,000 | $126,000 |
| Credit Application Incomplete | 1 | $111,000 | $111,000 | $111,000 | $70,000 | $70,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $62,000 | $62,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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