Winkler County, TX Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 124 mortgage applications in Winkler County, TX totaling $7.9 million, up 14% from 2010. The average application was for $63,000, and applicants reported an average income of $74,000. 48% of applications resulted in an originated loan and 30% were denied. The most active lender was West Texas State Bank, with 23 applications, followed by Wells Fargo Bank NA and Pioneer Mortgage Company.
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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 | 124 |
| Total Mortgage Loan Application Amount | $7,902,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $239,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $194,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| West Texas State Bank 1501 W UNIVERSITY ODESSA, TX 79764 |
* | $ 270,662,000 | 23 | $ 850,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 18 | $ 1,549,000 |
| Pioneer Mortgage Company 3000 N. MAIN ST./P. O. BOX 130 ROSWELL, NM 88201 |
* | $ 226,357,000 | 14 | $ 1,178,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 8 | $ 378,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 7 | $ 649,000 |
| West Texas National Bank 6 DESTA DRIVE STE 2400 MIDLAND, TX 79705 |
* | $ 586,033,000 | 6 | $ 178,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 4 | $ 136,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 128,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 3 | $ 197,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 3 | $ 235,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 246,000 |
| American State Bank 1401 AVENUE Q LUBBOCK, TX 79401 |
* | $ 2,687,035,000 | 3 | $ 149,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ 621,304,000 | 2 | $ 24,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 275,012,000 | 2 | $ 79,000 |
| Security Bank 600 N. MARIENFELD, STE 200 MIDLAND, TX 79701 |
* | $ 460,866,000 | 2 | $ 98,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 2 | $ 208,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 2 | $ 6,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 2 | $ 297,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 87,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 96,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 212,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 1 | $ 57,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 29,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 76,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 117,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 1 | $ 74,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 60,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ 22,642,000 | 1 | $ 107,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 1 | $ 97,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 56,000 |
| Southwest Heritage 2809 JBS PARKWAY, PO BOX 4898 ODESSA, TX 79760 |
* | $ 64,623,000 | 1 | $ 20,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 116,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 24,055,290,000 | 1 | $ 50,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 480,861,000 | 1 | $ 63,000 |
The tables below break down 2011 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 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 | 91 | $6,472,000 | $71,000 | $212,000 | $75,000 | $194,000 |
| Refinancing | 19 | $1,183,000 | $62,000 | $239,000 | $68,000 | $158,000 |
| Home Improvement | 14 | $247,000 | $17,000 | $54,000 | $72,000 | $122,000 |
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 | 63 | $4,683,000 | $74,000 | $239,000 | $79,000 | $194,000 |
| Hispanic | 53 | $2,676,000 | $50,000 | $160,000 | $68,000 | $173,000 |
| Not Provided | 4 | $199,000 | $49,000 | $91,000 | $68,000 | $93,000 |
| Black or African American | 3 | $306,000 | $102,000 | $117,000 | $84,000 | $97,000 |
| Not applicable | 1 | $38,000 | $38,000 | $38,000 | $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 |
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) | 79 | $3,414,000 | $43,000 | $160,000 | $77,000 | $194,000 |
| FHA-insured (Federal Housing Administration) | 40 | $3,711,000 | $92,000 | $180,000 | $68,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 5 | $777,000 | $155,000 | $239,000 | $69,000 | $147,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $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 | 59 | $3,705,000 | $62,000 | $212,000 | $80,000 | $194,000 |
| Application Denied By Financial Institution | 37 | $1,943,000 | $52,000 | $239,000 | $66,000 | $146,000 |
| Application Approved But Not Accepted | 11 | $782,000 | $71,000 | $160,000 | $61,000 | $150,000 |
| Loan Purchased By The Institution | 8 | $908,000 | $113,000 | $212,000 | $86,000 | $147,000 |
| Application Withdrawn By Applicant | 7 | $427,000 | $61,000 | $122,000 | $84,000 | $173,000 |
| File Closed For Incompleteness | 1 | $60,000 | $60,000 | $60,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 1 | $77,000 | $77,000 | $77,000 | $41,000 | $41,000 |
| Preapproval Approved but not Accepted | 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 | 12 | $545,000 | $45,000 | $122,000 | $74,000 | $105,000 |
| Debt-To-Income Ratio | 3 | $121,000 | $40,000 | $60,000 | $39,000 | $60,000 |
| Collateral | 2 | $150,000 | $75,000 | $93,000 | $47,000 | $58,000 |
| Credit Application Incomplete | 1 | $239,000 | $239,000 | $239,000 | $0 | $0 |
| Other | 1 | $48,000 | $48,000 | $48,000 | $52,000 | $52,000 |
| Unverifiable Information | 1 | $99,000 | $99,000 | $99,000 | $40,000 | $40,000 |
| Employment History | 1 | $43,000 | $43,000 | $43,000 | $93,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $83,000 | $83,000 | $83,000 | $68,000 | $68,000 |
| 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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