Clay County, TX Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 486 mortgage applications in Clay County, TX totaling $75.1 million, up 40% from 2019. The average application was for $154,000, and applicants reported an average income of $94,000. 55% of applications resulted in an originated loan and 9% were denied. The most active lender was American National Bank & Trust, with 71 applications, followed by Union Square Credit Union and Citizens Bank, NA.
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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 | 486 |
| Total Mortgage Loan Application Amount | $75,060,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $666,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 885,101,000 | 71 | $ 13,415,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 372,925,000 | 49 | $ 8,225,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 31 | $ 5,085,000 |
| Jacksboro National Bank 910 MAIN STREET JACKSBORO, TX 76458 |
* | $ 235,468,000 | 25 | $ 3,695,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 25 | $ 2,595,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 18 | $ 1,530,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ 478,725,000 | 15 | $ 2,175,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 15 | $ 2,775,000 |
| Legend Bank, N.A. 101 TARRANT ST BOWIE, TX 76230 |
* | $ 758,653,000 | 13 | $ 1,915,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 11 | $ 1,625,000 |
| Texoma Community Credit Union PO BOX 1320 WICHITA FALLS, TX 76308 |
* | $ 168,355,000 | 11 | $ 1,015,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 2,065,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 2,330,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 10 | $ 2,070,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 10 | $ 1,390,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 6 | $ 580,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 1,732,419,000 | 6 | $ 330,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 665,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 535,000 |
| First Bank & Trust 9816 SLIDE RD. LUBBOCK, TX 79424 |
* | $ 1,137,714,000 | 5 | $ 745,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 660,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 430,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 4 | $ 730,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 340,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 630,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 4 | $ 520,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 4 | $ 720,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 575,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 185,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 3 | $ 405,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 385,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 3 | $ 215,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 285,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 685,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 645,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 3 | $ 215,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 550,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 230,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 400,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 2 | $ 400,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 92,657,948,000 | 2 | $ 330,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 50,000 |
| Datcu 5940 SOUTH INTERSTATE 35 EAST CORINTH, TX 76210 |
* | $ 1,044,507,000 | 2 | $ 110,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 9,675,518,000 | 2 | $ 310,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 330,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 389,451,000 | 1 | $ 315,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 55,000 |
| Inwood National Bank 7621 INWOOD RD DALLAS, TX 75209 |
* | $ 3,038,098,000 | 1 | $ 55,000 |
| Wichita Falls Teachers Federal Credit Union 4301 BARNETT RD. WICHITA FALLS, TX 76310 |
* | $ 79,367,000 | 1 | $ 55,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 175,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 235,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 315,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 195,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 3,176,415,000 | 1 | $ 85,000 |
| Rb Mortgage LLC ONE RANDOLPH BROOKS PARKWAY LIVE OAK, TX 78233 |
* | $ -1,000 | 1 | $ 185,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 355,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 445,390,000 | 1 | $ 445,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 235,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 973,107,000 | 1 | $ 105,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 215,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 325,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 32,184,416,000 | 1 | $ 75,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 1,370,041,000 | 1 | $ 105,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 45,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 165,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ -1,000 | 1 | $ 85,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 145,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 1 | $ 195,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 155,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 115,000 |
| Bank of Colorado 1609 EAST HARMONY RD FORT COLLINS, CO 80525 |
* | $ 4,520,376,000 | 1 | $ 95,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 145,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 285,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 1 | $ 115,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 95,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 75,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 115,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 8,090,901,000 | 1 | $ 105,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 8,228,226,000 | 1 | $ 255,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ 158,984,000 | 1 | $ 225,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 185,000 |
| First Basin Credit Union 2740 NORTH COUNTY ROAD WEST ODESSA, TX 79764 |
* | $ 269,478,000 | 1 | $ 65,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 125,000 |
| Texas Bank Financial 901 SANTA FE DRIVE WEATHERFORD, TX 76086 |
* | $ 441,769,000 | 1 | $ 115,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 75,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 814,382,000 | 1 | $ 75,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ -1,000 | 1 | $ 265,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 425,000 |
| First State Bank 801 E CALIFORNIA STREET GAINESVILLE, TX 76240 |
* | $ 1,147,965,000 | 1 | $ 295,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,712,795,000 | 1 | $ 225,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 1 | $ 165,000 |
| First National Bank Mortgage 1540 E. SOUTHLAKE BLVD SOUTHLAKE, TX 76092 |
* | $ 527,259,000 | 1 | $ 195,000 |
The tables below break down 2020 mortgage applications in Clay 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 Clay County, TX in 2020
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 | 246 | $34,610,000 | $140,000 | $465,000 | $84,000 | $344,000 |
| Refinancing | 151 | $28,105,000 | $186,000 | $495,000 | $96,000 | $323,000 |
| Cash-out Refinancing | 57 | $9,315,000 | $163,000 | $515,000 | $121,000 | $457,000 |
| Not Applicable | 19 | $1,665,000 | $87,000 | $265,000 | $0 | $0 |
| Other Purpose | 9 | $1,085,000 | $120,000 | $205,000 | $182,000 | $666,000 |
| Home Improvement | 4 | $280,000 | $70,000 | $105,000 | $100,000 | $175,000 |
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 |
|---|---|---|---|---|---|---|
| White | 338 | $52,840,000 | $156,000 | $515,000 | $93,000 | $666,000 |
| Not Provided | 63 | $9,455,000 | $150,000 | $345,000 | $96,000 | $220,000 |
| Not applicable | 55 | $7,535,000 | $137,000 | $325,000 | $49,000 | $62,000 |
| Hispanic | 22 | $4,270,000 | $194,000 | $445,000 | $126,000 | $457,000 |
| American Indian or Alaskan Native | 5 | $595,000 | $119,000 | $235,000 | $70,000 | $102,000 |
| Asian | 3 | $365,000 | $121,000 | $225,000 | $116,000 | $196,000 |
| 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) | 326 | $49,870,000 | $152,000 | $515,000 | $103,000 | $666,000 |
| VA-guaranteed (Veterans Administration) | 84 | $16,420,000 | $195,000 | $465,000 | $72,000 | $144,000 |
| FHA-insured (Federal Housing Administration) | 64 | $7,660,000 | $119,000 | $315,000 | $61,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,110,000 | $92,000 | $145,000 | $53,000 | $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 |
|---|---|---|---|---|---|---|
| Loan Originated | 269 | $44,065,000 | $163,000 | $515,000 | $102,000 | $666,000 |
| Loan Purchased By The Institution | 87 | $12,275,000 | $141,000 | $355,000 | $85,000 | $176,000 |
| Application Denied By Financial Institution | 45 | $5,535,000 | $123,000 | $355,000 | $65,000 | $198,000 |
| Application Withdrawn By Applicant | 41 | $7,055,000 | $172,000 | $515,000 | $93,000 | $220,000 |
| File Closed For Incompleteness | 30 | $3,640,000 | $121,000 | $345,000 | $82,000 | $220,000 |
| Application Approved But Not Accepted | 14 | $2,490,000 | $177,000 | $445,000 | $106,000 | $457,000 |
| 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 | 439 | $68,855,000 | $156,000 | $515,000 | $97,000 | $666,000 |
| Debt-To-Income Ratio | 14 | $2,300,000 | $164,000 | $445,000 | $92,000 | $457,000 |
| Credit History | 13 | $1,315,000 | $101,000 | $225,000 | $62,000 | $128,000 |
| Other | 6 | $970,000 | $161,000 | $355,000 | $90,000 | $198,000 |
| Collateral | 6 | $490,000 | $81,000 | $145,000 | $42,000 | $102,000 |
| Credit Application Incomplete | 3 | $445,000 | $148,000 | $265,000 | $105,000 | $127,000 |
| Unverifiable Information | 2 | $430,000 | $215,000 | $295,000 | $75,000 | $120,000 |
| Employment History | 2 | $200,000 | $100,000 | $125,000 | $42,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $71,000 | $71,000 |
| 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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