Zavala County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 233 mortgage applications in Zavala County, TX totaling $14.0 million, up 99% from 2011. The average application was for $59,000, and applicants reported an average income of $60,000. 18% of applications resulted in an originated loan and 56% were denied. The most active lender was 21st Mortgage, with 132 applications, followed by Vanderbilt Mortgage and Finance, Inc and US Bank, 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 | 233 |
| Total Mortgage Loan Application Amount | $13,979,000 |
| Average Mortgage Loan Application Amount | $59,000 |
| Highest Mortgage Loan Application Amount | $256,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $351,000 |
| 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 | 132 | $ 6,718,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 28 | $ 1,878,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 27 | $ 1,373,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 6,554,458,000 | 7 | $ 204,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 4 | $ 344,000 |
| Pfl dba Marquee Mortgage 16410 BLANCO ROAD #3 SAN ANTONIO, TX 78232 |
* | $ 100,000,000 | 4 | $ 842,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 3 | $ 127,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ 723,114,000 | 3 | $ 74,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 2 | $ 250,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 108,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 2 | $ 404,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 254,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 85,000 |
| Txl Mortgage Corporation 11931 WICKCHESTER LN STE 444 HOUSTON, TX 77043 |
* | $ 100,000,000 | 1 | $ 155,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 87,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 256,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 144,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 63,106,987,000 | 1 | $ 15,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 14,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 1 | $ 63,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 50,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 87,000 |
| Vantage Bank Texas, NA 111 EAST PLASUELA REFUGIO, TX 78377 |
* | $ 250,739,000 | 1 | $ 32,000 |
| The Hondo National Bank 1112 18TH STREET HONDO, TX 78861 |
* | $ 161,955,000 | 1 | $ 18,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 275,779,000 | 1 | $ 49,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 18,000 |
| Grandview Bank PO BOX 449 GRANDVIEW, TX 76050 |
* | $ 110,303,000 | 1 | $ 72,000 |
| Greater Texas Federal Credit Union 6411 N LAMAR BLVD AUSTIN, TX 78752 |
* | $ 488,362,000 | 1 | $ 138,000 |
The tables below break down 2012 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 204 | $11,694,000 | $57,000 | $242,000 | $60,000 | $351,000 |
| Refinancing | 21 | $2,119,000 | $100,000 | $256,000 | $64,000 | $108,000 |
| Home Improvement | 8 | $166,000 | $20,000 | $91,000 | $44,000 | $69,000 |
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 | 197 | $11,367,000 | $57,000 | $242,000 | $56,000 | $351,000 |
| White | 23 | $1,778,000 | $77,000 | $256,000 | $95,000 | $276,000 |
| Not Provided | 7 | $497,000 | $71,000 | $145,000 | $66,000 | $108,000 |
| Not applicable | 4 | $203,000 | $50,000 | $69,000 | $41,000 | $128,000 |
| Black or African American | 1 | $72,000 | $72,000 | $72,000 | $75,000 | $75,000 |
| American Indian or Alaskan Native | 1 | $62,000 | $62,000 | $62,000 | $22,000 | $22,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 215 | $11,969,000 | $55,000 | $256,000 | $58,000 | $351,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,794,000 | $112,000 | $242,000 | $72,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 2 | $216,000 | $108,000 | $144,000 | $88,000 | $177,000 |
| 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 | 130 | $6,960,000 | $53,000 | $256,000 | $52,000 | $351,000 |
| Application Approved But Not Accepted | 46 | $2,587,000 | $56,000 | $120,000 | $72,000 | $276,000 |
| Loan Originated | 41 | $2,902,000 | $70,000 | $240,000 | $64,000 | $210,000 |
| Loan Purchased By The Institution | 6 | $585,000 | $97,000 | $164,000 | $66,000 | $128,000 |
| File Closed For Incompleteness | 6 | $472,000 | $78,000 | $181,000 | $68,000 | $114,000 |
| Application Withdrawn By Applicant | 4 | $473,000 | $118,000 | $242,000 | $97,000 | $193,000 |
| 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 | 72 | $3,468,000 | $48,000 | $104,000 | $56,000 | $351,000 |
| Debt-To-Income Ratio | 25 | $1,190,000 | $47,000 | $72,000 | $28,000 | $61,000 |
| Employment History | 8 | $503,000 | $62,000 | $145,000 | $48,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $84,000 | $42,000 | $48,000 | $49,000 | $75,000 |
| Credit Application Incomplete | 2 | $215,000 | $107,000 | $144,000 | $130,000 | $177,000 |
| Other | 2 | $97,000 | $48,000 | $57,000 | $60,000 | $72,000 |
| Unverifiable Information | 2 | $103,000 | $51,000 | $59,000 | $68,000 | $72,000 |
| Collateral | 1 | $49,000 | $49,000 | $49,000 | $40,000 | $40,000 |
| 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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