Cochran County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 26 mortgage applications in Cochran County, TX totaling $3.5 million, down 30% from 2024. The average application was for $135,000, and applicants reported an average income of $92,000. 35% of applications resulted in an originated loan and 31% were denied. The most active lender was 21st Mortgage, with 8 applications, followed by City Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 26 |
| Total Mortgage Loan Application Amount | $3,530,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $152,000 |
| 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 |
* | $ n/a | 8 | $ 1,270,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ n/a | 4 | $ 320,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 2 | $ 310,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 320,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 2 | $ 260,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 125,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 195,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 75,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 175,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ n/a | 1 | $ 195,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 85,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 105,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2025 mortgage applications in Cochran 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 Cochran 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 | 22 | $3,130,000 | $142,000 | $205,000 | $91,000 | $152,000 |
| Cash-out Refinancing | 2 | $270,000 | $135,000 | $175,000 | $98,000 | $132,000 |
| Home Improvement | 1 | $25,000 | $25,000 | $25,000 | $94,000 | $94,000 |
| Refinancing | 1 | $105,000 | $105,000 | $105,000 | $89,000 | $89,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not Provided | 13 | $2,055,000 | $158,000 | $195,000 | $90,000 | $142,000 |
| White | 6 | $640,000 | $106,000 | $195,000 | $102,000 | $152,000 |
| Hispanic | 6 | $750,000 | $125,000 | $205,000 | $87,000 | $122,000 |
| Not applicable | 1 | $85,000 | $85,000 | $85,000 | $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) | 20 | $2,790,000 | $139,000 | $205,000 | $96,000 | $152,000 |
| FHA-insured (Federal Housing Administration) | 4 | $490,000 | $122,000 | $195,000 | $84,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $70,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 1 | $125,000 | $125,000 | $125,000 | $58,000 | $58,000 |
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 | 9 | $1,005,000 | $111,000 | $195,000 | $91,000 | $142,000 |
| Application Denied By Financial Institution | 8 | $1,310,000 | $163,000 | $195,000 | $83,000 | $122,000 |
| File Closed For Incompleteness | 6 | $800,000 | $133,000 | $205,000 | $106,000 | $152,000 |
| Application Approved But Not Accepted | 1 | $135,000 | $135,000 | $135,000 | $115,000 | $115,000 |
| Application Withdrawn By Applicant | 1 | $195,000 | $195,000 | $195,000 | $63,000 | $63,000 |
| Loan Purchased By The Institution | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| 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 | 18 | $2,220,000 | $123,000 | $205,000 | $96,000 | $152,000 |
| Credit History | 5 | $845,000 | $169,000 | $195,000 | $89,000 | $122,000 |
| Debt-To-Income Ratio | 1 | $185,000 | $185,000 | $185,000 | $45,000 | $45,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $89,000 | $89,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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