Concho County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 53 mortgage applications in Concho County, TX totaling $8.4 million, down 12% from 2023. The average application was for $159,000, and applicants reported an average income of $118,000. 53% of applications resulted in an originated loan and 21% were denied. The most active lender was 21st Mortgage, with 6 applications, followed by Mortgage Financial Services and Discover Bank.
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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 | 53 |
| Total Mortgage Loan Application Amount | $8,445,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $865,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $744,000 |
| 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 | 6 | $ 840,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ n/a | 4 | $ 450,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 180,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 710,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 290,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ n/a | 2 | $ 140,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 230,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 200,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 230,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 155,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 865,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 365,000 |
| First National Bank and Trust 220 PALO PINTO ST WEATHERFORD, TX 76086 |
* | $ n/a | 1 | $ 15,000 |
| First National Bank of Central Texas 1835 N. VALLEY MILLS DR. WACO, TX 76710 |
* | $ n/a | 1 | $ 15,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 105,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 65,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ n/a | 1 | $ 195,000 |
| Texasbank 400 FISK AVE BROWNWOOD, TX 76801 |
* | $ n/a | 1 | $ 125,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ n/a | 1 | $ 245,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ n/a | 1 | $ 825,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 1 | $ 65,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 155,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 175,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 85,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 135,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 105,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 125,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 75,000 |
| Town Square Mortgage & Investments LLC 17300 DALLAS PKWY, STE 1030 DALLAS, TX 75248 |
* | $ n/a | 1 | $ 165,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 75,000 |
| The Mortgage Link, Inc. 3 RESEARCH PL #100 ROCKVILLE, MD 20850 |
* | $ n/a | 1 | $ 125,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ n/a | 1 | $ 415,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 45,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 125,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 225,000 |
The tables below break down 2024 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 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 | 35 | $5,725,000 | $163,000 | $865,000 | $129,000 | $744,000 |
| Home Improvement | 8 | $510,000 | $63,000 | $105,000 | $54,000 | $90,000 |
| Refinancing | 6 | $1,580,000 | $263,000 | $655,000 | $103,000 | $164,000 |
| Other Purpose | 4 | $630,000 | $157,000 | $415,000 | $161,000 | $392,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 30 | $5,460,000 | $182,000 | $865,000 | $128,000 | $744,000 |
| Hispanic | 9 | $1,555,000 | $172,000 | $655,000 | $79,000 | $164,000 |
| Not applicable | 8 | $730,000 | $91,000 | $275,000 | $0 | $0 |
| Not Provided | 5 | $565,000 | $113,000 | $225,000 | $122,000 | $180,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $40,000 | $40,000 |
| 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) | 41 | $6,125,000 | $149,000 | $865,000 | $123,000 | $744,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,385,000 | $153,000 | $275,000 | $81,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 3 | $935,000 | $311,000 | $655,000 | $86,000 | $109,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 28 | $5,810,000 | $207,000 | $865,000 | $145,000 | $744,000 |
| Application Denied By Financial Institution | 11 | $1,145,000 | $104,000 | $285,000 | $76,000 | $180,000 |
| Loan Purchased By The Institution | 6 | $650,000 | $108,000 | $275,000 | $0 | $0 |
| Application Withdrawn By Applicant | 3 | $375,000 | $125,000 | $155,000 | $85,000 | $168,000 |
| File Closed For Incompleteness | 3 | $255,000 | $85,000 | $165,000 | $86,000 | $100,000 |
| Application Approved But Not Accepted | 2 | $210,000 | $105,000 | $135,000 | $110,000 | $110,000 |
| 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 | 41 | $7,055,000 | $172,000 | $865,000 | $132,000 | $744,000 |
| Credit History | 6 | $730,000 | $121,000 | $285,000 | $80,000 | $140,000 |
| Debt-To-Income Ratio | 2 | $380,000 | $190,000 | $245,000 | $95,000 | $150,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $55,000 | $55,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $42,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $180,000 | $180,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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