Baylor County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 79 mortgage applications in Baylor County, TX totaling $13.1 million, up 7% from 2024. The average application was for $165,000, and applicants reported an average income of $120,000. 41% of applications resulted in an originated loan and 10% were denied. The most active lender was Flat Branch Mortgage, Inc., with 5 applications, followed by Planet Home Lending, LLC and 21st Mortgage.
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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 | 79 |
| Total Mortgage Loan Application Amount | $13,095,000 |
| Average Mortgage Loan Application Amount | $165,000 |
| Highest Mortgage Loan Application Amount | $1,115,000 |
| Average Applicant Income | $120,000 |
| Highest Applicant Income | $677,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 5 | $ 755,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 1,005,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 720,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 3 | $ 295,000 |
| Texoma Community Credit Union PO BOX 1320 WICHITA FALLS, TX 76308 |
* | $ n/a | 3 | $ 355,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ n/a | 3 | $ 405,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 2 | $ 510,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 190,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 270,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 180,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 90,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ n/a | 2 | $ 200,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 2 | $ 210,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 390,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 320,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ n/a | 2 | $ 370,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 110,000 |
| K&G Capital Mortgage, LLC 3210 N FRAZIER ST CONROE, TX 77303 |
* | $ n/a | 1 | $ 245,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 35,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 165,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 1,115,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 145,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 145,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 35,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 175,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 205,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 405,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 95,000 |
| Residential Wholesale Mortgage 11234 EL CAMINO REAL #100 SAN DIEGO, CA 92130 |
* | $ n/a | 1 | $ 75,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 295,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 165,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ n/a | 1 | $ 245,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 235,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ n/a | 1 | $ 145,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 255,000 |
| Jacksboro National Bank 910 MAIN STREET JACKSBORO, TX 76458 |
* | $ n/a | 1 | $ 235,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 1 | $ 115,000 |
| West Texas National Bank 6 DESTA DRIVE STE 2400 MIDLAND, TX 79705 |
* | $ n/a | 1 | $ 245,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 285,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ n/a | 1 | $ 55,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 65,000 |
| Extraco Banks, NA 18 SOUTH MAIN STREET TEMPLE, TX 76502 |
* | $ n/a | 1 | $ 255,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 45,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 1 | $ 295,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ n/a | 1 | $ 155,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 155,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ n/a | 1 | $ 245,000 |
The tables below break down 2025 mortgage applications in Baylor 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 Baylor County, TX in 2025
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 | 53 | $8,365,000 | $157,000 | $315,000 | $122,000 | $677,000 |
| Cash-out Refinancing | 15 | $2,045,000 | $136,000 | $255,000 | $96,000 | $237,000 |
| Refinancing | 9 | $2,605,000 | $289,000 | $1,115,000 | $173,000 | $649,000 |
| Other Purpose | 1 | $45,000 | $45,000 | $45,000 | $106,000 | $106,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $38,000 | $38,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 51 | $9,235,000 | $181,000 | $1,115,000 | $116,000 | $677,000 |
| Not applicable | 13 | $2,015,000 | $155,000 | $405,000 | $44,000 | $44,000 |
| Not Provided | 8 | $850,000 | $106,000 | $295,000 | $124,000 | $530,000 |
| Hispanic | 5 | $655,000 | $131,000 | $245,000 | $187,000 | $649,000 |
| American Indian or Alaskan Native | 2 | $340,000 | $170,000 | $255,000 | $103,000 | $106,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 49 | $7,885,000 | $160,000 | $1,115,000 | $142,000 | $677,000 |
| FHA-insured (Federal Housing Administration) | 19 | $3,475,000 | $182,000 | $405,000 | $85,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $935,000 | $133,000 | $175,000 | $54,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 4 | $800,000 | $200,000 | $205,000 | $54,000 | $67,000 |
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 | 32 | $5,420,000 | $169,000 | $405,000 | $142,000 | $677,000 |
| Application Withdrawn By Applicant | 16 | $2,400,000 | $150,000 | $295,000 | $110,000 | $530,000 |
| Loan Purchased By The Institution | 14 | $2,250,000 | $160,000 | $405,000 | $64,000 | $85,000 |
| Application Denied By Financial Institution | 8 | $1,870,000 | $233,000 | $1,115,000 | $51,000 | $106,000 |
| File Closed For Incompleteness | 6 | $890,000 | $148,000 | $315,000 | $143,000 | $447,000 |
| Application Approved But Not Accepted | 2 | $200,000 | $100,000 | $105,000 | $83,000 | $88,000 |
| Preapproval Approved but not Accepted | 1 | $65,000 | $65,000 | $65,000 | $74,000 | $74,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 68 | $10,820,000 | $159,000 | $405,000 | $130,000 | $677,000 |
| Debt-To-Income Ratio | 5 | $605,000 | $121,000 | $205,000 | $43,000 | $128,000 |
| Credit Application Incomplete | 3 | $1,425,000 | $475,000 | $1,115,000 | $48,000 | $48,000 |
| Collateral | 2 | $100,000 | $50,000 | $55,000 | $72,000 | $106,000 |
| Other | 1 | $145,000 | $145,000 | $145,000 | $101,000 | $101,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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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