Culberson County, TX Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 95 mortgage applications in Culberson County, TX totaling $15.6 million, up 70% from 2021. The average application was for $164,000, and applicants reported an average income of $86,000. 32% of applications resulted in an originated loan and 40% were denied. The most active lender was 21st Mortgage, with 21 applications, followed by Triad Financial Services, Inc. and Countryplace Mortgage, Ltd..
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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 | 95 |
| Total Mortgage Loan Application Amount | $15,645,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $381,000 |
| 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 | 21 | $ 3,305,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 1,250,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 7 | $ 1,555,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 6 | $ 970,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 4 | $ 580,000 |
| Gecu 1225 AIRWAY BLVD EL PASO, TX 79925 |
* | $ 3,746,114,000 | 3 | $ 195,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 905,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 335,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 200,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 280,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 2 | $ 470,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 700,095,000 | 2 | $ 660,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 2 | $ 270,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 330,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 380,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 2 | $ 430,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 2 | $ 400,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 2 | $ 340,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 330,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 2 | $ 190,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 2 | $ 340,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 1 | $ 165,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 185,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 255,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 3,832,697,000 | 1 | $ 135,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 75,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 325,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,899,486,000 | 1 | $ 85,000 |
The tables below break down 2022 mortgage applications in Culberson 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 Culberson 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 | 82 | $14,380,000 | $175,000 | $525,000 | $86,000 | $381,000 |
| Home Improvement | 5 | $355,000 | $71,000 | $125,000 | $91,000 | $159,000 |
| Refinancing | 5 | $655,000 | $131,000 | $255,000 | $120,000 | $136,000 |
| Cash-out Refinancing | 3 | $255,000 | $85,000 | $85,000 | $44,000 | $76,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Hispanic | 66 | $10,900,000 | $165,000 | $345,000 | $83,000 | $251,000 |
| White | 20 | $3,450,000 | $172,000 | $525,000 | $102,000 | $381,000 |
| Not Provided | 3 | $535,000 | $178,000 | $255,000 | $94,000 | $136,000 |
| American Indian or Alaskan Native | 3 | $225,000 | $75,000 | $75,000 | $34,000 | $48,000 |
| Black or African American | 2 | $350,000 | $175,000 | $215,000 | $88,000 | $132,000 |
| Not applicable | 1 | $185,000 | $185,000 | $185,000 | $0 | $0 |
| Asian | 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) | 82 | $13,260,000 | $161,000 | $525,000 | $85,000 | $381,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,235,000 | $176,000 | $325,000 | $89,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,150,000 | $191,000 | $245,000 | $104,000 | $171,000 |
| 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 | 38 | $6,200,000 | $163,000 | $345,000 | $75,000 | $171,000 |
| Loan Originated | 30 | $5,640,000 | $188,000 | $525,000 | $112,000 | $381,000 |
| Application Withdrawn By Applicant | 9 | $1,475,000 | $163,000 | $235,000 | $73,000 | $110,000 |
| File Closed For Incompleteness | 8 | $770,000 | $96,000 | $235,000 | $59,000 | $109,000 |
| Application Approved But Not Accepted | 7 | $1,025,000 | $146,000 | $235,000 | $82,000 | $128,000 |
| Loan Purchased By The Institution | 2 | $320,000 | $160,000 | $185,000 | $74,000 | $74,000 |
| Preapproval Approved but not Accepted | 1 | $215,000 | $215,000 | $215,000 | $115,000 | $115,000 |
| 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 | 55 | $8,785,000 | $159,000 | $435,000 | $88,000 | $251,000 |
| Credit History | 21 | $3,155,000 | $150,000 | $345,000 | $82,000 | $171,000 |
| Debt-To-Income Ratio | 14 | $2,660,000 | $190,000 | $525,000 | $85,000 | $381,000 |
| Credit Application Incomplete | 2 | $530,000 | $265,000 | $305,000 | $0 | $0 |
| Collateral | 1 | $205,000 | $205,000 | $205,000 | $110,000 | $110,000 |
| Other | 1 | $235,000 | $235,000 | $235,000 | $129,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $28,000 | $28,000 |
| 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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