Concho County, TX Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 64 mortgage applications in Concho County, TX totaling $9.7 million, down 22% from 2021. The average application was for $152,000, and applicants reported an average income of $137,000. 42% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 7 applications, followed by Discover Bank and Mortgage Research Center.
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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 | 64 |
| Total Mortgage Loan Application Amount | $9,730,000 |
| Average Mortgage Loan Application Amount | $152,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $137,000 |
| Highest Applicant Income | $2,540,000 |
| 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 | 7 | $ 935,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 3 | $ 145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 545,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 675,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 425,000 |
| Texas Trust Credit Union 5080 W IH 20 ARLINGTON, TX 76017 |
* | $ 1,798,266,000 | 2 | $ 210,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 356,998,000 | 2 | $ 180,000 |
| The Bank & Trust, S.S.B. 1200 VETERANS BLVD DEL RIO, TX 78840 |
* | $ 577,305,000 | 2 | $ 640,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 370,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 230,000 |
| First National Bank and Trust 220 PALO PINTO ST WEATHERFORD, TX 76086 |
* | $ 938,417,000 | 1 | $ 45,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 489,999,000 | 1 | $ 195,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 125,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 155,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 135,000 |
| Trinity Oaks Mortgage 204A N I35E RED OAK, TX 75154 |
* | $ -1,000 | 1 | $ 55,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 415,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 115,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 115,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 1 | $ 145,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 65,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 135,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 15,000 |
| Concho Educators Federal Credit Union 3215 WEST LOOP 306 SAN ANGELO, TX 76904 |
* | $ 100,828,000 | 1 | $ 25,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 55,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 195,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 2,415,583,000 | 1 | $ 155,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 245,000 |
| Legacy Mortgage LLC 6725 ACADEMY ROAD NE ALBUQUERQUE, NM 87109 |
* | $ -1,000 | 1 | $ 415,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 10,822,403,000 | 1 | $ 145,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 633,376,000 | 1 | $ 65,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 345,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 1 | $ 35,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 345,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 135,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,770,503,000 | 1 | $ 345,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 155,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 639,930,000 | 1 | $ 55,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 1 | $ 115,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 135,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 125,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 315,000 |
The tables below break down 2022 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 2022
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 | 41 | $7,445,000 | $181,000 | $505,000 | $176,000 | $2,540,000 |
| Cash-out Refinancing | 10 | $1,210,000 | $121,000 | $245,000 | $90,000 | $151,000 |
| Refinancing | 7 | $685,000 | $97,000 | $185,000 | $30,000 | $54,000 |
| Other Purpose | 3 | $135,000 | $45,000 | $75,000 | $119,000 | $161,000 |
| Home Improvement | 3 | $255,000 | $85,000 | $155,000 | $98,000 | $130,000 |
| 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 | 39 | $6,565,000 | $168,000 | $505,000 | $166,000 | $2,540,000 |
| Not Provided | 9 | $825,000 | $91,000 | $245,000 | $85,000 | $150,000 |
| Hispanic | 8 | $690,000 | $86,000 | $115,000 | $71,000 | $109,000 |
| Not applicable | 7 | $1,495,000 | $213,000 | $415,000 | $0 | $0 |
| Black or African American | 1 | $155,000 | $155,000 | $155,000 | $73,000 | $73,000 |
| 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) | 46 | $6,340,000 | $137,000 | $505,000 | $151,000 | $2,540,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,985,000 | $220,000 | $415,000 | $108,000 | $268,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,160,000 | $193,000 | $345,000 | $88,000 | $99,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $245,000 | $81,000 | $135,000 | $33,000 | $37,000 |
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 | 27 | $3,875,000 | $143,000 | $415,000 | $95,000 | $222,000 |
| Application Denied By Financial Institution | 15 | $1,385,000 | $92,000 | $205,000 | $72,000 | $150,000 |
| Application Withdrawn By Applicant | 9 | $1,715,000 | $190,000 | $415,000 | $95,000 | $268,000 |
| Loan Purchased By The Institution | 7 | $1,595,000 | $227,000 | $415,000 | $0 | $0 |
| File Closed For Incompleteness | 4 | $600,000 | $150,000 | $305,000 | $165,000 | $280,000 |
| Application Approved But Not Accepted | 2 | $560,000 | $280,000 | $505,000 | $1,282,000 | $2,540,000 |
| 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 | 46 | $7,640,000 | $166,000 | $415,000 | $98,000 | $280,000 |
| Debt-To-Income Ratio | 7 | $1,275,000 | $182,000 | $505,000 | $431,000 | $2,540,000 |
| Credit History | 6 | $410,000 | $68,000 | $135,000 | $95,000 | $150,000 |
| Credit Application Incomplete | 2 | $160,000 | $80,000 | $115,000 | $77,000 | $130,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $82,000 | $82,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $82,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $15,000 | $15,000 | $15,000 | $13,000 | $13,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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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