Brooks County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 71 mortgage applications in Brooks County, TX totaling $7.8 million, down 4% from 2022. The average application was for $109,000, and applicants reported an average income of $88,000. 25% of applications resulted in an originated loan and 31% were denied. The most active lender was 21st Mortgage, with 21 applications, followed by Vanderbilt Mortgage and Finance, Inc and Rally Credit Union.
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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 | 71 |
| Total Mortgage Loan Application Amount | $7,785,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $390,000 |
| 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 |
* | $ -1,000 | 21 | $ 2,365,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 8 | $ 910,000 |
| Rally Credit Union 2814 RODD FIELD CORPUS CHRISTI, TX 78414 |
* | $ 4,104,675,000 | 5 | $ 335,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 5 | $ 215,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 295,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 325,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 200,000 |
| Texas Regional Bank 6770 WEST INTERSTATE 2 HARLINGEN, TX 78552 |
* | $ 2,627,954,000 | 2 | $ 430,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 8,748,621,000 | 1 | $ 85,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,550,980,000 | 1 | $ 75,000 |
| Castroville State Bank 502 PARIS ST. CASTROVILLE, TX 78009 |
* | $ 250,106,000 | 1 | $ 55,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 135,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 95,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 265,000 |
| First Community Bank 416 N WATER ST CORPUS CHRISTI, TX 78401 |
* | $ 630,697,000 | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 105,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 85,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 65,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 65,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 37,695,970,000 | 1 | $ 45,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 115,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 1 | $ 85,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 365,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 315,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 125,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 245,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 95,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 25,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2023 mortgage applications in Brooks 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 Brooks County, TX in 2023
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 | $6,045,000 | $114,000 | $265,000 | $90,000 | $390,000 |
| Home Improvement | 5 | $195,000 | $39,000 | $55,000 | $62,000 | $110,000 |
| Refinancing | 5 | $845,000 | $169,000 | $365,000 | $94,000 | $153,000 |
| Other Purpose | 4 | $300,000 | $75,000 | $105,000 | $92,000 | $134,000 |
| Cash-out Refinancing | 4 | $400,000 | $100,000 | $115,000 | $85,000 | $124,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 53 | $5,815,000 | $109,000 | $365,000 | $81,000 | $220,000 |
| Not Provided | 12 | $1,300,000 | $108,000 | $155,000 | $127,000 | $390,000 |
| White | 5 | $555,000 | $111,000 | $315,000 | $63,000 | $153,000 |
| Not applicable | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 63 | $6,655,000 | $105,000 | $315,000 | $90,000 | $390,000 |
| FHA-insured (Federal Housing Administration) | 6 | $990,000 | $165,000 | $365,000 | $70,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $5,000 | $5,000 | $5,000 | $81,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 1 | $135,000 | $135,000 | $135,000 | $71,000 | $71,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 22 | $2,190,000 | $99,000 | $265,000 | $83,000 | $390,000 |
| Loan Originated | 18 | $2,290,000 | $127,000 | $315,000 | $101,000 | $257,000 |
| File Closed For Incompleteness | 12 | $1,310,000 | $109,000 | $245,000 | $87,000 | $220,000 |
| Application Withdrawn By Applicant | 11 | $1,205,000 | $109,000 | $365,000 | $97,000 | $210,000 |
| Application Approved But Not Accepted | 5 | $505,000 | $101,000 | $135,000 | $67,000 | $82,000 |
| Preapproval Denied by Financial Institution | 2 | $170,000 | $85,000 | $85,000 | $39,000 | $48,000 |
| Loan Purchased By The Institution | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 46 | $5,380,000 | $116,000 | $365,000 | $93,000 | $257,000 |
| Credit History | 11 | $1,115,000 | $101,000 | $265,000 | $68,000 | $94,000 |
| Debt-To-Income Ratio | 6 | $610,000 | $101,000 | $205,000 | $107,000 | $390,000 |
| Credit Application Incomplete | 4 | $410,000 | $102,000 | $145,000 | $90,000 | $120,000 |
| Collateral | 3 | $185,000 | $61,000 | $85,000 | $76,000 | $110,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $32,000 | $32,000 |
| Unverifiable Information | 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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