Cochran County, TX Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 47 mortgage applications in Cochran County, TX totaling $4.3 million, up 81% from 2020. The average application was for $91,000, and applicants reported an average income of $85,000. 34% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 9 applications, followed by City Bank and Prosperity Bank.
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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 | 47 |
| Total Mortgage Loan Application Amount | $4,285,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $265,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $668,000 |
| 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 | 9 | $ 665,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,235,138,000 | 7 | $ 505,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 32,184,416,000 | 3 | $ 285,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 235,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 255,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 220,695,000 | 2 | $ 170,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 45,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 65,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 75,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 125,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ -1,000 | 1 | $ 85,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 55,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 105,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 45,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 265,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 3,824,411,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 225,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 145,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 45,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 225,000 |
The tables below break down 2021 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 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 | 34 | $3,270,000 | $96,000 | $265,000 | $64,000 | $129,000 |
| Refinancing | 9 | $735,000 | $81,000 | $125,000 | $172,000 | $668,000 |
| Cash-out Refinancing | 3 | $225,000 | $75,000 | $105,000 | $40,000 | $62,000 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $59,000 | $59,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 18 | $1,610,000 | $89,000 | $265,000 | $101,000 | $668,000 |
| Hispanic | 17 | $1,475,000 | $86,000 | $225,000 | $56,000 | $100,000 |
| Not Provided | 5 | $435,000 | $87,000 | $125,000 | $107,000 | $280,000 |
| Not applicable | 4 | $480,000 | $120,000 | $225,000 | $45,000 | $45,000 |
| Black or African American | 2 | $160,000 | $80,000 | $85,000 | $118,000 | $136,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $121,000 | $121,000 |
| Asian | 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) | 30 | $2,700,000 | $90,000 | $225,000 | $96,000 | $668,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,130,000 | $80,000 | $145,000 | $58,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 2 | $390,000 | $195,000 | $265,000 | $98,000 | $121,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $45,000 | $45,000 |
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 | 16 | $1,340,000 | $83,000 | $225,000 | $111,000 | $668,000 |
| Application Denied By Financial Institution | 15 | $1,285,000 | $85,000 | $125,000 | $76,000 | $280,000 |
| Loan Purchased By The Institution | 7 | $735,000 | $105,000 | $225,000 | $36,000 | $65,000 |
| Application Withdrawn By Applicant | 5 | $385,000 | $77,000 | $125,000 | $68,000 | $100,000 |
| File Closed For Incompleteness | 3 | $275,000 | $91,000 | $115,000 | $74,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $265,000 | $265,000 | $265,000 | $76,000 | $76,000 |
| 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 | 32 | $3,000,000 | $93,000 | $265,000 | $90,000 | $668,000 |
| Credit History | 7 | $635,000 | $90,000 | $125,000 | $74,000 | $136,000 |
| Debt-To-Income Ratio | 3 | $185,000 | $61,000 | $75,000 | $33,000 | $47,000 |
| Collateral | 3 | $285,000 | $95,000 | $115,000 | $71,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $28,000 | $28,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $280,000 | $280,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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