Baylor County, TX Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 97 mortgage applications in Baylor County, TX totaling $13.1 million, up 21% from 2020. The average application was for $134,000, and applicants reported an average income of $88,000. 43% of applications resulted in an originated loan and 11% were denied. The most active lender was Amerihome Mortgage Company, LLC, with 6 applications, followed by First Bank & Trust 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 | 97 |
| Total Mortgage Loan Application Amount | $13,055,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $363,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 890,000 |
| First Bank & Trust 9816 SLIDE RD. LUBBOCK, TX 79424 |
* | $ 1,137,714,000 | 6 | $ 1,370,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 585,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 3,461,210,000 | 5 | $ 755,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 885,101,000 | 5 | $ 495,000 |
| Jacksboro National Bank 910 MAIN STREET JACKSBORO, TX 76458 |
* | $ 235,468,000 | 4 | $ 880,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 3 | $ 365,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 285,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 165,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 372,925,000 | 3 | $ 225,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 90,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 250,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 90,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 8,228,226,000 | 2 | $ 330,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 2 | $ 320,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 320,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 280,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 410,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 340,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 130,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 540,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 280,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 105,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 445,390,000 | 1 | $ 95,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 85,000 |
| Legend Bank, N.A. 101 TARRANT ST BOWIE, TX 76230 |
* | $ 758,653,000 | 1 | $ 55,000 |
| Guaranty Bank & Trust 100 W ARKANSAS ST MT PLEASANT, TX 75455 |
* | $ 2,318,497,000 | 1 | $ 335,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 9,675,518,000 | 1 | $ 5,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 205,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 55,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ -1,000 | 1 | $ 185,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 4,528,719,000 | 1 | $ 65,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 1,732,419,000 | 1 | $ 55,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 1 | $ 185,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 85,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 75,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 155,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 165,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 355,000 |
The tables below break down 2021 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 2021
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 | 64 | $8,820,000 | $137,000 | $545,000 | $91,000 | $363,000 |
| Refinancing | 23 | $3,345,000 | $145,000 | $325,000 | $95,000 | $270,000 |
| Cash-out Refinancing | 7 | $745,000 | $106,000 | $175,000 | $49,000 | $71,000 |
| Other Purpose | 2 | $110,000 | $55,000 | $55,000 | $90,000 | $131,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $27,000 | $27,000 |
| 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 | 65 | $9,195,000 | $141,000 | $545,000 | $100,000 | $363,000 |
| Not applicable | 13 | $2,005,000 | $154,000 | $335,000 | $0 | $0 |
| Not Provided | 11 | $1,175,000 | $106,000 | $215,000 | $47,000 | $72,000 |
| Hispanic | 3 | $315,000 | $105,000 | $135,000 | $70,000 | $90,000 |
| Asian | 2 | $100,000 | $50,000 | $55,000 | $22,000 | $25,000 |
| Black or African American | 2 | $150,000 | $75,000 | $75,000 | $28,000 | $28,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $29,000 | $29,000 |
| 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) | 69 | $10,165,000 | $147,000 | $545,000 | $94,000 | $363,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,845,000 | $97,000 | $195,000 | $59,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 7 | $835,000 | $119,000 | $355,000 | $209,000 | $209,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $210,000 | $105,000 | $105,000 | $62,000 | $62,000 |
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 | 42 | $5,820,000 | $138,000 | $355,000 | $78,000 | $270,000 |
| Loan Purchased By The Institution | 15 | $2,055,000 | $137,000 | $325,000 | $80,000 | $173,000 |
| Application Withdrawn By Applicant | 14 | $1,880,000 | $134,000 | $545,000 | $129,000 | $363,000 |
| Application Denied By Financial Institution | 11 | $1,315,000 | $119,000 | $205,000 | $76,000 | $232,000 |
| File Closed For Incompleteness | 9 | $965,000 | $107,000 | $195,000 | $80,000 | $195,000 |
| Application Approved But Not Accepted | 6 | $1,020,000 | $170,000 | $325,000 | $106,000 | $247,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 85 | $11,645,000 | $137,000 | $545,000 | $90,000 | $363,000 |
| Debt-To-Income Ratio | 5 | $645,000 | $129,000 | $205,000 | $82,000 | $232,000 |
| Collateral | 3 | $425,000 | $141,000 | $205,000 | $70,000 | $83,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $35,000 | $35,000 |
| Credit History | 1 | $55,000 | $55,000 | $55,000 | $51,000 | $51,000 |
| Mortgage Insurance Denied | 1 | $155,000 | $155,000 | $155,000 | $116,000 | $116,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $99,000 | $99,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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