Ward County, TX Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 186 mortgage applications in Ward County, TX totaling $16.9 million, up 11% from 2010. The average application was for $91,000, and applicants reported an average income of $64,000. 45% of applications resulted in an originated loan and 21% were denied. The most active lender was Security Bank, with 17 applications, followed by Wells Fargo Bank NA and 21st Mortgage.

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Total Number of Mortgage Applications 186
Total Mortgage Loan Application Amount $16,927,000
Average Mortgage Loan Application Amount $91,000
Highest Mortgage Loan Application Amount $225,000
Average Applicant Income $64,000
Highest Applicant Income $240,000

Mortgage Company List for Lending in Ward County, TX for 2011

* 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
Security Bank
600 N. MARIENFELD, STE 200
MIDLAND, TX 79701
* $ 460,866,000 17 $ 841,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 16 $ 1,871,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 16 $ 897,000
Community National Bank
401 W. TEXAS AVE.
MIDLAND, TX 79701
* $ 621,304,000 12 $ 1,125,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 11 $ 1,004,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 10 $ 751,000
West Texas State Bank
1501 W UNIVERSITY
ODESSA, TX 79764
* $ 270,662,000 10 $ 855,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 8 $ 739,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 7 $ 690,000
Pioneer Mortgage Company
3000 N. MAIN ST./P. O. BOX 130
ROSWELL, NM 88201
* $ 226,357,000 6 $ 856,000
Complex Community Federal CU
2201 S GRANDVIEW
ODESSA, TX 79766
* $ 275,012,000 6 $ 338,000
Firstcapital Bank of Texas, National Association
3900 S. SONCY RD
AMARILLO, TX 79119
* $ 480,861,000 6 $ 453,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 5 $ 533,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 5 $ 545,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 3 $ 417,000
American State Bank
1401 AVENUE Q
LUBBOCK, TX 79401
* $ 2,687,035,000 3 $ 175,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 3 $ 483,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 2 $ 37,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 314,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 2 $ 244,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 2 $ 269,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 40,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 255,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 116,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 83,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 1 $ 110,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 151,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 138,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 51,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 89,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 123,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 1 $ 123,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 1 $ 139,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 59,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 91,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 89,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 1 $ 159,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 1 $ 24,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 1 $ 64,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 110,000
Ameripro Funding
8300 N. MOPAC EXPRESSWAY SUITE 120
AUSTIN, TX 78759
* $ 40,000,000 1 $ 104,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 80,000
Viewpoint Bankers Mortgage Inc
720 E. ARAPAHO
RICHARDSON, TX 75081
* $ 1,529,760,000 1 $ 75,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 105,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 209,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 172,000

The tables below break down 2011 mortgage applications in Ward 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 Ward County, TX 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
Home Purchase 128 $12,229,000 $95,000 $225,000 $60,000 $222,000
Refinancing 44 $4,355,000 $98,000 $220,000 $77,000 $240,000
Home Improvement 14 $343,000 $24,000 $52,000 $64,000 $118,000

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 106 $10,796,000 $101,000 $225,000 $79,000 $240,000
Hispanic 48 $2,970,000 $61,000 $180,000 $51,000 $118,000
Not applicable 17 $1,717,000 $101,000 $190,000 $4,000 $84,000
Not Provided 12 $1,189,000 $99,000 $209,000 $65,000 $134,000
Black or African American 2 $221,000 $110,000 $172,000 $93,000 $130,000
Asian 1 $34,000 $34,000 $34,000 $72,000 $72,000
American Indian or Alaskan Native 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) 105 $8,078,000 $76,000 $225,000 $75,000 $240,000
FHA-insured (Federal Housing Administration) 52 $5,824,000 $112,000 $180,000 $50,000 $134,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $1,477,000 $86,000 $180,000 $42,000 $66,000
VA-guaranteed (Veterans Administration) 12 $1,548,000 $129,000 $209,000 $63,000 $130,000

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 84 $7,653,000 $91,000 $209,000 $71,000 $220,000
Application Denied By Financial Institution 39 $2,804,000 $71,000 $225,000 $68,000 $240,000
Loan Purchased By The Institution 37 $4,252,000 $114,000 $190,000 $34,000 $134,000
Application Approved But Not Accepted 17 $1,327,000 $78,000 $210,000 $75,000 $191,000
File Closed For Incompleteness 5 $464,000 $92,000 $176,000 $91,000 $222,000
Application Withdrawn By Applicant 4 $427,000 $106,000 $139,000 $92,000 $145,000
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 13 $628,000 $48,000 $114,000 $60,000 $118,000
Debt-To-Income Ratio 6 $373,000 $62,000 $135,000 $43,000 $82,000
Collateral 4 $459,000 $114,000 $220,000 $127,000 $240,000
Unverifiable Information 3 $273,000 $91,000 $225,000 $116,000 $200,000
Other 2 $159,000 $79,000 $80,000 $58,000 $64,000
Insufficient Cash (Downpayment, Closing Cost) 1 $28,000 $28,000 $28,000 $14,000 $14,000
Credit Application Incomplete 1 $138,000 $138,000 $138,000 $134,000 $134,000
Employment History 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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