Upton County, TX Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 80 mortgage applications in Upton County, TX totaling $6.3 million, down 7% from 2016. The average application was for $78,000, and applicants reported an average income of $55,000. 34% of applications resulted in an originated loan and 40% were denied. The most active lender was 21st Mortgage, with 28 applications, followed by Vanderbilt Mortgage and Finance, Inc and Credit Human Federal Credit Un.
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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 | 80 |
| Total Mortgage Loan Application Amount | $6,319,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $169,000 |
| 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 |
* | $ -1,000 | 28 | $ 2,232,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 285,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 4 | $ 270,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 354,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 4 | $ 315,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ 0 | 4 | $ 182,000 |
| Aimbank 110 COLLEGE AVE LEVELLAND, TX 79336 |
* | $ 843,174,000 | 2 | $ 227,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 438,361,000 | 2 | $ 73,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 117,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 2 | $ 23,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 297,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 80,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,496,841,000 | 1 | $ 20,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 123,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 114,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 68,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 78,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 54,000 |
| Rose Hill Bank 107 N ROSE HILL RD ROSE HILL, KS 67133 |
* | $ 324,937,000 | 1 | $ 31,000 |
| Southwest 66 Credit Union 4041 E 52ND ST ODESSA, TX 79768 |
* | $ 75,613,000 | 1 | $ 35,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 143,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 346,962,000 | 1 | $ 129,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 109,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 83,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 64,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ 0 | 1 | $ 100,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ -1,000 | 1 | $ 250,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 124,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 50,000 |
| My Community Credit Union 600 W LOUISIANA AVE MIDLAND, TX 79701 |
* | $ 335,120,000 | 1 | $ 84,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 1,000 |
The tables below break down 2017 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 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 | 63 | $5,197,000 | $82,000 | $250,000 | $61,000 | $169,000 |
| Refinancing | 12 | $969,000 | $80,000 | $114,000 | $21,000 | $77,000 |
| Home Improvement | 5 | $153,000 | $30,000 | $65,000 | $57,000 | $108,000 |
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 | 34 | $2,799,000 | $82,000 | $227,000 | $64,000 | $169,000 |
| Hispanic | 33 | $2,286,000 | $69,000 | $250,000 | $54,000 | $99,000 |
| Not Provided | 6 | $610,000 | $101,000 | $143,000 | $48,000 | $77,000 |
| Not applicable | 5 | $515,000 | $103,000 | $124,000 | $0 | $0 |
| Black or African American | 1 | $50,000 | $50,000 | $50,000 | $49,000 | $49,000 |
| American Indian or Alaskan Native | 1 | $59,000 | $59,000 | $59,000 | $72,000 | $72,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 62 | $4,396,000 | $70,000 | $183,000 | $60,000 | $169,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,485,000 | $99,000 | $227,000 | $36,000 | $153,000 |
| VA-guaranteed (Veterans Administration) | 2 | $330,000 | $165,000 | $250,000 | $49,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 32 | $2,308,000 | $72,000 | $250,000 | $59,000 | $169,000 |
| Loan Originated | 27 | $2,146,000 | $79,000 | $227,000 | $65,000 | $153,000 |
| File Closed For Incompleteness | 7 | $603,000 | $86,000 | $138,000 | $38,000 | $70,000 |
| Application Withdrawn By Applicant | 6 | $457,000 | $76,000 | $123,000 | $48,000 | $80,000 |
| Loan Purchased By The Institution | 5 | $515,000 | $103,000 | $124,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $290,000 | $96,000 | $143,000 | $60,000 | $77,000 |
| 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 | 5 | $335,000 | $67,000 | $250,000 | $67,000 | $108,000 |
| Collateral | 2 | $204,000 | $102,000 | $141,000 | $103,000 | $165,000 |
| Debt-To-Income Ratio | 1 | $70,000 | $70,000 | $70,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $78,000 | $78,000 | $78,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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