Cooke County, TX Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 2,580 mortgage applications in Cooke County, TX totaling $590.1 million, up 55% from 2019. The average application was for $228,000, and applicants reported an average income of $125,000. 52% of applications resulted in an originated loan and 11% were denied. The most active lender was First State Bank, with 262 applications, followed by 21st Mortgage and Amerihome Mortgage Company, LLC.
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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 | 2,580 |
| Total Mortgage Loan Application Amount | $590,110,000 |
| Average Mortgage Loan Application Amount | $228,000 |
| Highest Mortgage Loan Application Amount | $2,665,000 |
| Average Applicant Income | $125,000 |
| Highest Applicant Income | $2,141,000 |
Top Mortgage Lenders in Cooke County, TX (2020)
Ranked by the number of mortgage applications each lender reported in Cooke County, TX in 2020.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | First State Bank Gainesville, TX |
262 | $60,150,000 | $229,000 | $136,000 |
| 2 | 21st Mortgage Knoxville, TN |
117 | $12,635,000 | $107,000 | $61,000 |
| 3 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
109 | $25,395,000 | $232,000 | $114,000 |
| 4 | Guild Mortgage Company San Diego, CA |
105 | $21,115,000 | $201,000 | $79,000 |
| 5 | Wells Fargo Bank NA Minneapolis, MN |
91 | $20,205,000 | $222,000 | $156,000 |
| 6 | First United Bank and Trust Company Durant, OK |
76 | $22,280,000 | $293,000 | $191,000 |
| 7 | JPMorgan Chase Bank, NA Columbus, OH |
55 | $12,995,000 | $236,000 | $153,000 |
| 8 | Truist Bank Raleigh, NC |
52 | $14,750,000 | $283,000 | $149,000 |
| 9 | 4u Federal Credit Union Gainesville, TX |
52 | $9,310,000 | $179,000 | $134,000 |
| 10 | Fairway Independent Mort Corp Madison, WI |
45 | $10,425,000 | $231,000 | $111,000 |
The tables below break down 2020 mortgage applications in Cooke 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 Cooke 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 | 1,151 | $254,285,000 | $220,000 | $945,000 | $112,000 | $1,461,000 |
| Refinancing | 830 | $209,840,000 | $252,000 | $2,665,000 | $138,000 | $1,361,000 |
| Cash-out Refinancing | 418 | $99,660,000 | $238,000 | $865,000 | $123,000 | $962,000 |
| Other Purpose | 85 | $15,185,000 | $178,000 | $1,005,000 | $150,000 | $2,141,000 |
| Not Applicable | 49 | $5,125,000 | $104,000 | $465,000 | $213,000 | $249,000 |
| Home Improvement | 47 | $6,015,000 | $127,000 | $565,000 | $173,000 | $1,484,000 |
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 | 1,777 | $419,175,000 | $235,000 | $2,665,000 | $127,000 | $2,141,000 |
| Not applicable | 360 | $79,360,000 | $220,000 | $675,000 | $125,000 | $962,000 |
| Not Provided | 223 | $50,645,000 | $227,000 | $725,000 | $129,000 | $891,000 |
| Hispanic | 140 | $24,400,000 | $174,000 | $655,000 | $88,000 | $1,262,000 |
| American Indian or Alaskan Native | 33 | $6,735,000 | $204,000 | $515,000 | $125,000 | $780,000 |
| Asian | 23 | $5,875,000 | $255,000 | $945,000 | $146,000 | $615,000 |
| Black or African American | 18 | $2,360,000 | $131,000 | $235,000 | $69,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,225,000 | $408,000 | $515,000 | $123,000 | $171,000 |
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) | 2,010 | $474,450,000 | $236,000 | $2,665,000 | $134,000 | $2,141,000 |
| FHA-insured (Federal Housing Administration) | 331 | $59,065,000 | $178,000 | $335,000 | $72,000 | $206,000 |
| VA-guaranteed (Veterans Administration) | 168 | $44,910,000 | $267,000 | $685,000 | $83,000 | $244,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $11,685,000 | $164,000 | $405,000 | $62,000 | $239,000 |
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 | 1,344 | $322,130,000 | $239,000 | $2,665,000 | $131,000 | $2,141,000 |
| Loan Purchased By The Institution | 459 | $102,025,000 | $222,000 | $535,000 | $126,000 | $962,000 |
| Application Withdrawn By Applicant | 299 | $72,165,000 | $241,000 | $865,000 | $131,000 | $1,461,000 |
| Application Denied By Financial Institution | 294 | $57,310,000 | $194,000 | $1,255,000 | $92,000 | $615,000 |
| File Closed For Incompleteness | 122 | $24,290,000 | $199,000 | $825,000 | $100,000 | $492,000 |
| Application Approved But Not Accepted | 59 | $11,745,000 | $199,000 | $705,000 | $162,000 | $1,484,000 |
| Preapproval Approved but not Accepted | 2 | $300,000 | $150,000 | $155,000 | $87,000 | $107,000 |
| Preapproval Denied by Financial Institution | 1 | $145,000 | $145,000 | $145,000 | $68,000 | $68,000 |
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 | 2,276 | $529,680,000 | $232,000 | $2,665,000 | $129,000 | $2,141,000 |
| Credit History | 104 | $14,800,000 | $142,000 | $525,000 | $70,000 | $239,000 |
| Debt-To-Income Ratio | 99 | $23,555,000 | $237,000 | $1,005,000 | $93,000 | $715,000 |
| Collateral | 34 | $7,120,000 | $209,000 | $515,000 | $121,000 | $600,000 |
| Credit Application Incomplete | 31 | $7,095,000 | $228,000 | $1,255,000 | $150,000 | $570,000 |
| Other | 11 | $2,435,000 | $221,000 | $625,000 | $136,000 | $230,000 |
| Unverifiable Information | 11 | $1,975,000 | $179,000 | $335,000 | $81,000 | $185,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,635,000 | $181,000 | $355,000 | $82,000 | $245,000 |
| Employment History | 4 | $1,600,000 | $400,000 | $945,000 | $210,000 | $615,000 |
| Mortgage Insurance Denied | 1 | $215,000 | $215,000 | $215,000 | $90,000 | $90,000 |
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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