Cochran County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 37 mortgage applications in Cochran County, TX totaling $4.6 million, down 12% from 2023. The average application was for $123,000, and applicants reported an average income of $88,000. 16% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 13 applications, followed by Triad Financial Services, Inc. and PennyMac Loan Services LLC.
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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 | 37 |
| Total Mortgage Loan Application Amount | $4,585,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $575,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $488,000 |
| 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 | 13 | $ 1,705,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 560,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 180,000 |
| Alliance Credit Union 8401 QUAKER AVE LUBBOCK, TX 79424 |
* | $ n/a | 2 | $ 150,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 170,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 55,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ n/a | 1 | $ 205,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 575,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 145,000 |
| Transpecos Banks, SSB - Pecos, Tx 112 E. PECAN STREET SUITE 800 SAN ANTONIO, TX 78205 |
* | $ n/a | 1 | $ 105,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 75,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 85,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ n/a | 1 | $ 5,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 55,000 |
| Firstlight Federal Credit Unio 9983 KENWORTHY ST. EL PASO, TX 79924 |
* | $ n/a | 1 | $ 15,000 |
| Homespire Mortgage Corporation FAIRFAX, VA 22031 |
* | $ n/a | 1 | $ 235,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 75,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 105,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2024 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 2024
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 | 33 | $4,265,000 | $129,000 | $575,000 | $75,000 | $155,000 |
| Other Purpose | 3 | $315,000 | $105,000 | $205,000 | $210,000 | $488,000 |
| Cash-out Refinancing | 1 | $5,000 | $5,000 | $5,000 | $119,000 | $119,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 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 | 15 | $1,745,000 | $116,000 | $245,000 | $92,000 | $150,000 |
| Not Provided | 12 | $1,420,000 | $118,000 | $245,000 | $97,000 | $488,000 |
| White | 6 | $1,010,000 | $168,000 | $575,000 | $77,000 | $138,000 |
| Not applicable | 3 | $265,000 | $88,000 | $125,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $6,000 | $6,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 31 | $4,045,000 | $130,000 | $575,000 | $88,000 | $488,000 |
| FHA-insured (Federal Housing Administration) | 6 | $540,000 | $90,000 | $125,000 | $90,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 12 | $1,780,000 | $148,000 | $575,000 | $48,000 | $138,000 |
| Application Withdrawn By Applicant | 6 | $650,000 | $108,000 | $235,000 | $160,000 | $488,000 |
| File Closed For Incompleteness | 6 | $780,000 | $130,000 | $245,000 | $78,000 | $119,000 |
| Loan Originated | 6 | $580,000 | $96,000 | $135,000 | $90,000 | $155,000 |
| Application Approved But Not Accepted | 4 | $530,000 | $132,000 | $195,000 | $106,000 | $125,000 |
| Loan Purchased By The Institution | 3 | $265,000 | $88,000 | $125,000 | $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 | 23 | $2,625,000 | $114,000 | $245,000 | $110,000 | $488,000 |
| Debt-To-Income Ratio | 5 | $485,000 | $97,000 | $145,000 | $46,000 | $102,000 |
| Credit History | 4 | $830,000 | $207,000 | $575,000 | $77,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $290,000 | $145,000 | $205,000 | $39,000 | $56,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $14,000 | $14,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $86,000 | $86,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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