In 2011, lenders reported 425 mortgage applications in Young County, TX totaling $44.6 million, up 18% from 2010. The average application was for $104,000, and applicants reported an average income of $76,000. 49% of applications resulted in an originated loan and 15% were denied. The most active lender was Interbank, with 49 applications, followed by First National Bank in Graham and Wells Fargo Bank NA.
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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 | 425 |
| Total Mortgage Loan Application Amount | $44,622,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $1,120,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $1,865,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 1,655,998,000 | 49 | $ 2,749,000 |
| First National Bank in Graham P O BOX 540 GRAHAM, TX 76450 |
* | $ 225,292,000 | 45 | $ 4,177,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 38 | $ 5,068,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 23 | $ 2,438,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 21 | $ 2,588,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 16 | $ 879,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 14 | $ 1,375,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 199,275,000 | 12 | $ 1,282,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 12 | $ 1,250,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,285,632,000 | 10 | $ 1,605,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 869,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 9 | $ 888,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 464,216,000 | 8 | $ 1,014,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 6 | $ 619,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 6 | $ 605,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 6 | $ 479,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 5 | $ 449,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 5 | $ 777,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 5 | $ 247,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 5 | $ 782,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 5 | $ 617,000 |
| State National Bank of Texas 104 WEST PARK AVENUE IOWA PARK, TX 76367 |
* | $ 185,788,000 | 4 | $ 354,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 661,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 432,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 695,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 3 | $ 573,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 3 | $ 660,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 3 | $ 245,000 |
| First National Bank Mortgage 1540 E. SOUTHLAKE BLVD SOUTHLAKE, TX 76092 |
* | $ 297,592,000 | 3 | $ 200,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 3 | $ 35,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 3 | $ 443,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 475,843,000 | 3 | $ 186,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,060,521,000 | 3 | $ 774,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 2 | $ 394,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 2 | $ 186,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 2 | $ 122,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 996,420,000 | 2 | $ 75,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 92,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ 10,000,000 | 2 | $ 211,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 281,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 2 | $ 250,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 198,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 2 | $ 269,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 298,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 2 | $ 251,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 2 | $ 263,000 |
| America's Choice Home Loans LP 8584 KATY FREEWAY, STE 200 HOUSTON, TX 77024 |
* | $ 8,352,000 | 2 | $ 186,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 431,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 106,000 |
| First Mortgage Corporation 1131 W 6TH STREET ONTARIO, CA 91762 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Mortgage Capital Associates, Inc. 11150 W OYMPIC BLVD. STE. 1160 LOS ANGELES, CA 90064 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 147,000 |
| 4trust Mortgage Inc 4200 SOUTH HULEN STE 410 FORT WORTH, TX 76109 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Reverse Mortgage USA, Inc. 6500 RIVER PLACE BLVD, BLDG 1, STE 425 AUSTIN, TX 78730 |
* | $ 3,305,000 | 1 | $ 63,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 102,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 109,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 215,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 228,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 144,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 141,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 200,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 97,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 30,000 |
| Fort Worth Community Credit Union 1905 FOREST RIDGE DR BEDFORD, TX 76021 |
* | $ 714,851,000 | 1 | $ 50,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,181,819,000 | 1 | $ 118,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 1 | $ 21,000 |
| Synergy Bank, S.S.B. 8951 SYNERGY DR. MCKINNEY, TX 75070 |
* | $ 129,748,000 | 1 | $ 296,000 |
| Texoma Community Credit Union PO BOX 1320 WICHITA FALLS, TX 76308 |
* | $ 86,796,000 | 1 | $ 62,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 47,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 84,000 |
| Omniamerican Bank 1320 SOUTH UNIVERSITY DR SUITE 106 FORT WORTH, TX 76107 |
* | $ 1,108,161,000 | 1 | $ 35,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 98,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 1 | $ 251,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 50,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 530,374,000 | 1 | $ 84,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 2,008,776,000 | 1 | $ 100,000 |
| Union Square CU 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 275,036,000 | 1 | $ 50,000 |
| First State Bank 1709 9TH ST BRIDGEPORT, TX 76426 |
* | $ 215,376,000 | 1 | $ 50,000 |
The tables below break down 2011 mortgage applications in Young County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 216 | $22,846,000 | $105,000 | $1,120,000 | $81,000 | $1,865,000 |
| Refinancing | 175 | $20,543,000 | $117,000 | $415,000 | $72,000 | $640,000 |
| Home Improvement | 34 | $1,233,000 | $36,000 | $215,000 | $59,000 | $180,000 |
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 | 309 | $31,862,000 | $103,000 | $415,000 | $84,000 | $1,865,000 |
| Not Provided | 42 | $6,789,000 | $161,000 | $1,120,000 | $86,000 | $500,000 |
| Not applicable | 40 | $3,958,000 | $98,000 | $251,000 | $20,000 | $107,000 |
| Hispanic | 32 | $1,879,000 | $58,000 | $140,000 | $49,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $36,000 | $36,000 | $36,000 | $76,000 | $76,000 |
| American Indian or Alaskan Native | 1 | $98,000 | $98,000 | $98,000 | $41,000 | $41,000 |
| 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) | 308 | $31,801,000 | $103,000 | $1,120,000 | $86,000 | $1,865,000 |
| FHA-insured (Federal Housing Administration) | 70 | $7,480,000 | $106,000 | $205,000 | $48,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,435,000 | $93,000 | $140,000 | $50,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,906,000 | $138,000 | $235,000 | $49,000 | $91,000 |
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 | 210 | $21,657,000 | $103,000 | $1,120,000 | $85,000 | $1,865,000 |
| Loan Purchased By The Institution | 87 | $9,809,000 | $112,000 | $283,000 | $54,000 | $396,000 |
| Application Denied By Financial Institution | 64 | $6,058,000 | $94,000 | $374,000 | $63,000 | $265,000 |
| Application Withdrawn By Applicant | 39 | $4,584,000 | $117,000 | $323,000 | $94,000 | $475,000 |
| Application Approved But Not Accepted | 16 | $1,320,000 | $82,000 | $155,000 | $51,000 | $85,000 |
| File Closed For Incompleteness | 9 | $1,194,000 | $132,000 | $323,000 | $119,000 | $500,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 14 | $1,703,000 | $121,000 | $323,000 | $75,000 | $265,000 |
| Credit History | 13 | $661,000 | $50,000 | $120,000 | $42,000 | $76,000 |
| Debt-To-Income Ratio | 10 | $958,000 | $95,000 | $152,000 | $56,000 | $109,000 |
| Other | 6 | $642,000 | $107,000 | $211,000 | $94,000 | $240,000 |
| Unverifiable Information | 3 | $357,000 | $119,000 | $156,000 | $75,000 | $137,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $183,000 | $91,000 | $118,000 | $56,000 | $83,000 |
| Credit Application Incomplete | 2 | $220,000 | $110,000 | $145,000 | $55,000 | $62,000 |
| Employment History | 1 | $30,000 | $30,000 | $30,000 | $49,000 | $49,000 |
| 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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