Concho County, TX Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 82 mortgage applications in Concho County, TX totaling $12.8 million, up 9% from 2020. The average application was for $156,000, and applicants reported an average income of $212,000. 41% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 10 applications, followed by Vanderbilt Mortgage and Finance, Inc and Mortgage Financial Services.
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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 | 82 |
| Total Mortgage Loan Application Amount | $12,830,000 |
| Average Mortgage Loan Application Amount | $156,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $212,000 |
| Highest Applicant Income | $7,200,000 |
| 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 | 10 | $ 1,140,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 7 | $ 685,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 6 | $ 1,410,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 5 | $ 485,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 5 | $ 955,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 560,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 490,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 4 | $ 190,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 3 | $ 645,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 8,228,226,000 | 3 | $ 385,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 2 | $ 420,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 560,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 300,000 |
| Concho Educators Federal Credit Union 3215 WEST LOOP 306 SAN ANGELO, TX 76904 |
* | $ 81,911,000 | 1 | $ 55,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ 1,435,230,000 | 1 | $ 415,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 95,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 185,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 32,184,416,000 | 1 | $ 75,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 265,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 95,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 255,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 195,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 545,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 115,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 185,000 |
| First Bank & Trust 9816 SLIDE RD. LUBBOCK, TX 79424 |
* | $ 1,137,714,000 | 1 | $ 355,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 165,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 480,916,000 | 1 | $ 65,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 415,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 85,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 45,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 255,000 |
The tables below break down 2021 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 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 | 55 | $8,735,000 | $158,000 | $425,000 | $252,000 | $7,200,000 |
| Refinancing | 14 | $2,000,000 | $142,000 | $265,000 | $58,000 | $125,000 |
| Cash-out Refinancing | 9 | $1,935,000 | $215,000 | $545,000 | $200,000 | $625,000 |
| Other Purpose | 3 | $115,000 | $38,000 | $45,000 | $45,000 | $52,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Home Improvement | 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 | 50 | $8,520,000 | $170,000 | $545,000 | $129,000 | $786,000 |
| Hispanic | 18 | $2,270,000 | $126,000 | $365,000 | $542,000 | $7,200,000 |
| Not Provided | 7 | $855,000 | $122,000 | $295,000 | $80,000 | $175,000 |
| Not applicable | 6 | $1,080,000 | $180,000 | $415,000 | $0 | $0 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $43,000 | $43,000 |
| 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) | 59 | $9,725,000 | $164,000 | $545,000 | $253,000 | $7,200,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,905,000 | $146,000 | $295,000 | $62,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 8 | $950,000 | $118,000 | $155,000 | $52,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $250,000 | $125,000 | $125,000 | $44,000 | $44,000 |
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 | 34 | $5,990,000 | $176,000 | $545,000 | $136,000 | $786,000 |
| Application Denied By Financial Institution | 20 | $1,890,000 | $94,000 | $185,000 | $457,000 | $7,200,000 |
| Loan Purchased By The Institution | 11 | $1,915,000 | $174,000 | $425,000 | $38,000 | $88,000 |
| Application Withdrawn By Applicant | 9 | $1,455,000 | $161,000 | $265,000 | $93,000 | $177,000 |
| File Closed For Incompleteness | 4 | $480,000 | $120,000 | $165,000 | $58,000 | $85,000 |
| Application Approved But Not Accepted | 4 | $1,100,000 | $275,000 | $365,000 | $172,000 | $246,000 |
| 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 | 62 | $10,940,000 | $176,000 | $545,000 | $120,000 | $786,000 |
| Credit History | 10 | $1,070,000 | $107,000 | $185,000 | $804,000 | $7,200,000 |
| Other | 3 | $135,000 | $45,000 | $65,000 | $96,000 | $164,000 |
| Unverifiable Information | 2 | $160,000 | $80,000 | $95,000 | $49,000 | $61,000 |
| Collateral | 2 | $140,000 | $70,000 | $95,000 | $33,000 | $33,000 |
| Debt-To-Income Ratio | 2 | $230,000 | $115,000 | $165,000 | $96,000 | $140,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $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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