Concho County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 60 mortgage applications in Concho County, TX totaling $8.8 million, down 6% from 2022. The average application was for $146,000, and applicants reported an average income of $101,000. 32% of applications resulted in an originated loan and 33% were denied. The most active lender was 21st Mortgage, with 7 applications, followed by Credit Human Federal Credit Un and Triad Financial Services, Inc..
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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 | 60 |
| Total Mortgage Loan Application Amount | $8,770,000 |
| Average Mortgage Loan Application Amount | $146,000 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $564,000 |
| 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 | $ 855,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 4 | $ 370,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 380,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 510,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 3 | $ 485,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 395,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 3 | $ 915,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 590,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 2 | $ 60,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 390,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 780,000 |
| Town Square Mortgage & Investments LLC 17300 DALLAS PKWY, STE 1030 DALLAS, TX 75248 |
* | $ -1,000 | 1 | $ 175,000 |
| Rb Mortgage LLC ONE RANDOLPH BROOKS PARKWAY LIVE OAK, TX 78233 |
* | $ -1,000 | 1 | $ 45,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 4,075,196,000 | 1 | $ 75,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ -1,000 | 1 | $ 225,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 305,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 1 | $ 95,000 |
| First National Bank and Trust 220 PALO PINTO ST WEATHERFORD, TX 76086 |
* | $ 996,094,000 | 1 | $ 45,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 362,047,000 | 1 | $ 65,000 |
| Concho Educators Federal Credit Union 3215 WEST LOOP 306 SAN ANGELO, TX 76904 |
* | $ 101,166,000 | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 225,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 12,922,116,000 | 1 | $ 25,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 75,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ -1,000 | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 115,000 |
| Greenbox Loans 3250 WILSHIRE BLVD., SUITE 1900 LOS ANGELES, CA 90010 |
* | $ -1,000 | 1 | $ 165,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 25,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 135,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 75,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 55,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ 52,953,767,000 | 1 | $ 55,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 415,000 |
The tables below break down 2023 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 2023
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 | 43 | $6,215,000 | $144,000 | $655,000 | $107,000 | $564,000 |
| Cash-out Refinancing | 7 | $1,405,000 | $200,000 | $345,000 | $104,000 | $206,000 |
| Other Purpose | 5 | $435,000 | $87,000 | $255,000 | $71,000 | $168,000 |
| Home Improvement | 3 | $245,000 | $81,000 | $155,000 | $89,000 | $112,000 |
| Refinancing | 2 | $470,000 | $235,000 | $415,000 | $35,000 | $35,000 |
| 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 | 37 | $4,435,000 | $119,000 | $415,000 | $102,000 | $564,000 |
| Hispanic | 10 | $1,790,000 | $179,000 | $655,000 | $78,000 | $149,000 |
| Not Provided | 8 | $1,420,000 | $177,000 | $345,000 | $122,000 | $225,000 |
| Not applicable | 5 | $1,125,000 | $225,000 | $655,000 | $0 | $0 |
| 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 |
| Black or African American | 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) | 45 | $5,165,000 | $114,000 | $345,000 | $105,000 | $564,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,400,000 | $140,000 | $415,000 | $76,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 5 | $2,205,000 | $441,000 | $655,000 | $87,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 20 | $2,900,000 | $145,000 | $415,000 | $71,000 | $190,000 |
| Loan Originated | 19 | $2,665,000 | $140,000 | $655,000 | $140,000 | $564,000 |
| Application Withdrawn By Applicant | 7 | $1,035,000 | $147,000 | $305,000 | $83,000 | $187,000 |
| File Closed For Incompleteness | 5 | $745,000 | $149,000 | $315,000 | $77,000 | $108,000 |
| Application Approved But Not Accepted | 5 | $345,000 | $69,000 | $135,000 | $121,000 | $225,000 |
| Loan Purchased By The Institution | 4 | $1,080,000 | $270,000 | $655,000 | $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 | 40 | $5,870,000 | $146,000 | $655,000 | $117,000 | $564,000 |
| Credit History | 8 | $1,150,000 | $143,000 | $305,000 | $56,000 | $100,000 |
| Debt-To-Income Ratio | 7 | $735,000 | $105,000 | $175,000 | $45,000 | $55,000 |
| Credit Application Incomplete | 2 | $260,000 | $130,000 | $175,000 | $113,000 | $146,000 |
| Other | 2 | $340,000 | $170,000 | $255,000 | $179,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $415,000 | $415,000 | $415,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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