Willacy County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 262 mortgage applications in Willacy County, TX totaling $22.1 million, up 1% from 2011. The average application was for $84,000, and applicants reported an average income of $56,000. 28% of applications resulted in an originated loan and 45% were denied. The most active lender was Wells Fargo Bank NA, with 48 applications, followed by BBVA USA and Frost Bank.
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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 | 262 |
| Total Mortgage Loan Application Amount | $22,106,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $298,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $299,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 48 | $ 3,884,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 63,106,987,000 | 31 | $ 2,832,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ 20,372,139,000 | 21 | $ 314,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 21 | $ 1,211,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 574,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 13 | $ 1,867,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 12 | $ 1,237,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 71,108,281,000 | 8 | $ 301,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 981,000 |
| Houstonian Mortgage Group Inc 11490 WESTHEIMER #825 HOUSTON, TX 77077 |
* | $ 17,008,000 | 7 | $ 1,141,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 5 | $ 476,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 460,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 5 | $ 376,000 |
| Lone Star National Bank 206 WEST FERGUSON PHARR, TX 78577 |
* | $ 2,174,674,000 | 4 | $ 160,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 4 | $ 112,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 4 | $ 617,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 413,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 202,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 445,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 3 | $ 123,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 3 | $ 339,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,621,944,000 | 3 | $ 330,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 267,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 52,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 191,000 |
| Reverse Mortgage USA, Inc. 6500 RIVER PLACE BLVD, BLDG 1, STE 425 AUSTIN, TX 78730 |
* | $ 3,305,000 | 2 | $ 198,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 2 | $ 338,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 2 | $ 130,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 103,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE 2 MURRAY, UT 84107 |
* | $ 10,000,000 | 1 | $ 225,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 50,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 161,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Christensen Financial, Inc. 860 N SR 434 ALTAMONTE SPRINGS, FL 32714 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 8,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 227,903,000 | 1 | $ 80,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 200,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 49,000 |
| Home Bank of California 4493 RUFFIN ROAD SAN DIEGO, CA 92123 |
* | $ 207,637,000 | 1 | $ 80,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 165,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 95,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 1 | $ 48,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 69,000 |
| Security First Federal Credit Union 3515 S. JACKSON RD. EDINBURG, TX 78539 |
* | $ 333,487,000 | 1 | $ 222,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 6,554,458,000 | 1 | $ 40,000 |
| Elsa State Bank and Trust Company P.O. BOX 397 ELSA, TX 78543 |
* | $ 167,560,000 | 1 | $ 20,000 |
The tables below break down 2012 mortgage applications in Willacy 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 Willacy 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 |
|---|---|---|---|---|---|---|
| Refinancing | 122 | $13,630,000 | $111,000 | $298,000 | $66,000 | $299,000 |
| Home Purchase | 96 | $7,640,000 | $79,000 | $224,000 | $53,000 | $206,000 |
| Home Improvement | 44 | $836,000 | $19,000 | $123,000 | $33,000 | $82,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 190 | $14,689,000 | $77,000 | $298,000 | $55,000 | $299,000 |
| White | 50 | $5,484,000 | $109,000 | $272,000 | $70,000 | $206,000 |
| Not Provided | 14 | $1,019,000 | $72,000 | $206,000 | $39,000 | $77,000 |
| Not applicable | 8 | $914,000 | $114,000 | $200,000 | $16,000 | $94,000 |
| 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) | 199 | $15,555,000 | $78,000 | $298,000 | $58,000 | $299,000 |
| FHA-insured (Federal Housing Administration) | 48 | $4,926,000 | $102,000 | $224,000 | $51,000 | $206,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,258,000 | $104,000 | $225,000 | $43,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $367,000 | $122,000 | $135,000 | $26,000 | $40,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 117 | $7,316,000 | $62,000 | $224,000 | $48,000 | $299,000 |
| Loan Originated | 74 | $7,690,000 | $103,000 | $298,000 | $68,000 | $233,000 |
| Loan Purchased By The Institution | 31 | $4,201,000 | $135,000 | $298,000 | $58,000 | $206,000 |
| Application Approved But Not Accepted | 21 | $1,276,000 | $60,000 | $162,000 | $59,000 | $119,000 |
| Application Withdrawn By Applicant | 14 | $1,065,000 | $76,000 | $225,000 | $39,000 | $77,000 |
| File Closed For Incompleteness | 5 | $558,000 | $111,000 | $225,000 | $67,000 | $129,000 |
| 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 | 56 | $2,002,000 | $35,000 | $152,000 | $45,000 | $299,000 |
| Debt-To-Income Ratio | 11 | $644,000 | $58,000 | $134,000 | $29,000 | $52,000 |
| Collateral | 10 | $1,221,000 | $122,000 | $221,000 | $82,000 | $172,000 |
| Other | 7 | $436,000 | $62,000 | $154,000 | $55,000 | $77,000 |
| Unverifiable Information | 3 | $408,000 | $136,000 | $159,000 | $66,000 | $120,000 |
| Credit Application Incomplete | 2 | $179,000 | $89,000 | $126,000 | $54,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $59,000 | $59,000 | $59,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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