Zavala County, TX Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 78 mortgage applications in Zavala County, TX totaling $4.3 million, up 1% from 2009. The average application was for $54,000, and applicants reported an average income of $50,000. 21% of applications resulted in an originated loan and 49% were denied. The most active lender was 21st Mortgage, with 22 applications, followed by US Bank, N.A. and Bank of America, N.A..
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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 | 78 |
| Total Mortgage Loan Application Amount | $4,273,000 |
| Average Mortgage Loan Application Amount | $54,000 |
| Highest Mortgage Loan Application Amount | $206,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $405,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 22 | $ 1,010,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 8 | $ 335,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 7 | $ 542,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 157,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 7 | $ 371,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 5,525,020,000 | 4 | $ 98,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ 708,155,000 | 2 | $ 35,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 64,608,091,000 | 2 | $ 113,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 261,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 2 | $ 71,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 2 | $ 165,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 2 | $ 173,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 1 | $ 91,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 206,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 112,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,911,006,000 | 1 | $ 40,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 36,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 74,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 44,000 |
| River City Federal Credit Union 610 AUGUSTA ST. SAN ANTONIO, TX 78268 |
* | $ 146,649,000 | 1 | $ 30,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 92,000 |
The tables below break down 2010 mortgage applications in Zavala 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 Zavala County, TX in 2010
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 | 54 | $3,259,000 | $60,000 | $148,000 | $52,000 | $405,000 |
| Refinancing | 12 | $754,000 | $62,000 | $206,000 | $46,000 | $120,000 |
| Home Improvement | 12 | $260,000 | $21,000 | $40,000 | $46,000 | $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 |
|---|---|---|---|---|---|---|
| Hispanic | 68 | $3,534,000 | $51,000 | $148,000 | $51,000 | $405,000 |
| White | 5 | $498,000 | $99,000 | $206,000 | $72,000 | $120,000 |
| Not Provided | 3 | $170,000 | $56,000 | $105,000 | $36,000 | $49,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $71,000 | $35,000 | $39,000 | $0 | $0 |
| Not applicable | 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) | 66 | $3,306,000 | $50,000 | $206,000 | $48,000 | $405,000 |
| FHA-insured (Federal Housing Administration) | 10 | $819,000 | $81,000 | $148,000 | $60,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 2 | $148,000 | $74,000 | $74,000 | $81,000 | $81,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 38 | $1,756,000 | $46,000 | $141,000 | $36,000 | $108,000 |
| Loan Originated | 16 | $1,027,000 | $64,000 | $148,000 | $68,000 | $153,000 |
| Application Approved But Not Accepted | 14 | $673,000 | $48,000 | $140,000 | $64,000 | $405,000 |
| Loan Purchased By The Institution | 5 | $348,000 | $69,000 | $112,000 | $51,000 | $98,000 |
| Application Withdrawn By Applicant | 4 | $432,000 | $108,000 | $206,000 | $69,000 | $120,000 |
| File Closed For Incompleteness | 1 | $37,000 | $37,000 | $37,000 | $57,000 | $57,000 |
| 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 | 11 | $466,000 | $42,000 | $105,000 | $34,000 | $61,000 |
| Debt-To-Income Ratio | 6 | $253,000 | $42,000 | $50,000 | $25,000 | $44,000 |
| Other | 3 | $121,000 | $40,000 | $49,000 | $39,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $261,000 | $130,000 | $141,000 | $101,000 | $108,000 |
| Employment History | 1 | $106,000 | $106,000 | $106,000 | $12,000 | $12,000 |
| Collateral | 1 | $49,000 | $49,000 | $49,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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