Winkler County, TX Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 165 mortgage applications in Winkler County, TX totaling $8.2 million, down 20% from 2007. The average application was for $49,000, and applicants reported an average income of $59,000. 39% of applications resulted in an originated loan and 35% were denied. The most active lender was Wells Fargo Bank, NA, with 21 applications, followed by JPMorgan Chase Bank, NA and Wells Fargo Fin'l Texas, Inc.
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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 | 165 |
| Total Mortgage Loan Application Amount | $8,220,000 |
| Average Mortgage Loan Application Amount | $49,000 |
| Highest Mortgage Loan Application Amount | $198,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $311,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 21 | $ 938,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 17 | $ 710,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 13 | $ 416,000 |
| West Texas State Bank 1501 W UNIVERSITY ODESSA, TX 79764 |
* | $ 282,502,000 | 11 | $ 332,000 |
| West Texas National Bank 6 DESTA DRIVE STE 2400 MIDLAND, TX 79705 |
* | $ 450,781,000 | 10 | $ 367,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 10 | $ 389,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 8 | $ 243,000 |
| Charter Bank 2130 EUBANK BLVD NE ALBUQUERQUE, NM 87112 |
* | $ 1,405,353,000 | 7 | $ 484,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 182,195,000 | 6 | $ 388,000 |
| Texstar Bank / Fnb Monahans 600 N MARIENFELD STE 100 MIDLAND, TX 79701 |
* | $ 246,654,000 | 5 | $ 158,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 5 | $ 533,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 4 | $ 29,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 4 | $ 230,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 289,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 247,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 3 | $ 235,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 94,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 2 | $ 155,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 100,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 80,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 2 | $ 211,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 2 | $ 97,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 2 | $ 113,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 243,996,000 | 2 | $ 156,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 2 | $ 54,000 |
| University Federal Credit Union 8303 N MOPAC EXPRESSWAY AUSTIN, TX 78759 |
* | $ 818,459,000 | 1 | $ 25,000 |
| Share Plus Federal Bank 5224 W. PLANO PKWY PLANO, TX 75093 |
* | $ 167,298,000 | 1 | $ 7,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 62,000 |
| First Basin Credit Union 2740 NORTH COUNTY ROAD WEST ODESSA, TX 79764 |
* | $ 114,936,000 | 1 | $ 83,000 |
| Wells Fargo Fin'l Utah, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 100,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 60,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 949,331,000 | 1 | $ 130,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 1 | $ 47,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 72,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Sutherland Mortgage Services 5959 CORPORATE DR, SUITE 3000 HOUSTON, TX 77036 |
* | $ 37,000,000 | 1 | $ 145,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 69,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 100,000 |
The tables below break down 2008 mortgage applications in Winkler 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 Winkler County, TX in 2008
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 | 80 | $5,229,000 | $65,000 | $198,000 | $57,000 | $200,000 |
| Refinancing | 45 | $2,104,000 | $46,000 | $120,000 | $71,000 | $311,000 |
| Home Improvement | 40 | $887,000 | $22,000 | $74,000 | $51,000 | $102,000 |
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 | 74 | $4,279,000 | $57,000 | $198,000 | $66,000 | $311,000 |
| Hispanic | 67 | $2,642,000 | $39,000 | $100,000 | $55,000 | $120,000 |
| Not Provided | 16 | $757,000 | $47,000 | $120,000 | $52,000 | $128,000 |
| Not applicable | 5 | $358,000 | $71,000 | $94,000 | $25,000 | $67,000 |
| Asian | 2 | $174,000 | $87,000 | $94,000 | $100,000 | $200,000 |
| Black or African American | 1 | $10,000 | $10,000 | $10,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 128 | $5,445,000 | $42,000 | $198,000 | $62,000 | $311,000 |
| FHA-insured (Federal Housing Administration) | 33 | $2,442,000 | $74,000 | $145,000 | $49,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 3 | $245,000 | $81,000 | $92,000 | $66,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $88,000 | $88,000 | $88,000 | $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 | 65 | $3,784,000 | $58,000 | $198,000 | $67,000 | $254,000 |
| Application Denied By Financial Institution | 58 | $2,101,000 | $36,000 | $130,000 | $55,000 | $129,000 |
| Loan Purchased By The Institution | 16 | $1,064,000 | $66,000 | $145,000 | $36,000 | $94,000 |
| Application Withdrawn By Applicant | 14 | $742,000 | $53,000 | $100,000 | $53,000 | $120,000 |
| File Closed For Incompleteness | 7 | $246,000 | $35,000 | $100,000 | $92,000 | $311,000 |
| Application Approved But Not Accepted | 5 | $283,000 | $56,000 | $92,000 | $47,000 | $60,000 |
| 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 | 26 | $706,000 | $27,000 | $74,000 | $59,000 | $120,000 |
| Debt-To-Income Ratio | 6 | $368,000 | $61,000 | $125,000 | $55,000 | $101,000 |
| Collateral | 2 | $75,000 | $37,000 | $74,000 | $35,000 | $63,000 |
| Other | 1 | $58,000 | $58,000 | $58,000 | $120,000 | $120,000 |
| Unverifiable Information | 1 | $130,000 | $130,000 | $130,000 | $129,000 | $129,000 |
| 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 |
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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