Concho County, TX Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 75 mortgage applications in Concho County, TX totaling $9.3 million, up 14% from 2019. The average application was for $124,000, and applicants reported an average income of $88,000. 35% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 15 applications, followed by First Financial Bank and Cardinal Financial Company, Li.
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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 | 75 |
| Total Mortgage Loan Application Amount | $9,305,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $299,000 |
| 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 | 15 | $ 1,125,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 8,228,226,000 | 5 | $ 1,145,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 430,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 3 | $ 675,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 285,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 255,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 281,426,000 | 3 | $ 185,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 2 | $ 110,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 280,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 2 | $ 280,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,712,795,000 | 2 | $ 380,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ 158,984,000 | 2 | $ 380,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 210,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 2 | $ 300,000 |
| Concho Educators Federal Credit Union 3215 WEST LOOP 306 SAN ANGELO, TX 76904 |
* | $ 81,911,000 | 1 | $ 35,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 85,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 55,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 35,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 75,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 549,498,000 | 1 | $ 115,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 45,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 255,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 55,000 |
| Broadway National Bank 1177 NE LOOP 410 SAN ANTONIO, TX 78209 |
* | $ 3,831,907,000 | 1 | $ 145,000 |
| Citizens State Bank PO BOX 518 SOMERVILLE, TX 77879 |
* | $ 653,894,000 | 1 | $ 355,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 75,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Austin Capital Bank SSB 8100 SHOAL CREEK BLVD AUSTIN, TX 78757 |
* | $ 139,109,000 | 1 | $ 145,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 155,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 480,916,000 | 1 | $ 125,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 125,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 255,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 135,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 125,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 105,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 265,000 |
The tables below break down 2020 mortgage applications in Concho 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 Concho 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 | 55 | $6,825,000 | $124,000 | $405,000 | $88,000 | $299,000 |
| Cash-out Refinancing | 10 | $1,210,000 | $121,000 | $355,000 | $98,000 | $242,000 |
| Refinancing | 6 | $1,020,000 | $170,000 | $345,000 | $76,000 | $136,000 |
| Other Purpose | 2 | $150,000 | $75,000 | $105,000 | $81,000 | $113,000 |
| Home Improvement | 1 | $55,000 | $55,000 | $55,000 | $52,000 | $52,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 53 | $6,765,000 | $127,000 | $405,000 | $86,000 | $299,000 |
| Hispanic | 11 | $945,000 | $85,000 | $155,000 | $86,000 | $264,000 |
| Not applicable | 5 | $715,000 | $143,000 | $255,000 | $114,000 | $114,000 |
| Not Provided | 5 | $725,000 | $145,000 | $265,000 | $102,000 | $171,000 |
| Black or African American | 1 | $155,000 | $155,000 | $155,000 | $114,000 | $114,000 |
| 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 |
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) | 56 | $6,620,000 | $118,000 | $405,000 | $92,000 | $299,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,540,000 | $141,000 | $265,000 | $71,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $145,000 | $145,000 | $145,000 | $82,000 | $82,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 26 | $3,820,000 | $146,000 | $405,000 | $105,000 | $299,000 |
| Application Denied By Financial Institution | 21 | $1,925,000 | $91,000 | $145,000 | $69,000 | $204,000 |
| Application Withdrawn By Applicant | 9 | $1,335,000 | $148,000 | $355,000 | $67,000 | $150,000 |
| File Closed For Incompleteness | 9 | $815,000 | $90,000 | $165,000 | $111,000 | $264,000 |
| Loan Purchased By The Institution | 6 | $790,000 | $131,000 | $255,000 | $82,000 | $114,000 |
| Application Approved But Not Accepted | 4 | $620,000 | $155,000 | $355,000 | $79,000 | $187,000 |
| 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 | 50 | $6,830,000 | $136,000 | $405,000 | $93,000 | $294,000 |
| Credit History | 13 | $1,045,000 | $80,000 | $125,000 | $66,000 | $204,000 |
| Debt-To-Income Ratio | 7 | $915,000 | $130,000 | $225,000 | $111,000 | $299,000 |
| Collateral | 2 | $190,000 | $95,000 | $105,000 | $63,000 | $78,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $61,000 | $61,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $82,000 | $82,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $50,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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