Culberson County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 66 mortgage applications in Culberson County, TX totaling $10.9 million, down 31% from 2022. The average application was for $164,000, and applicants reported an average income of $112,000. 23% of applications resulted in an originated loan and 26% were denied. The most active lender was 21st Mortgage, with 26 applications, followed by Navy Federal Credit Union 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 | 66 |
| Total Mortgage Loan Application Amount | $10,880,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $368,000 |
| 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 | 26 | $ 4,300,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 795,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 805,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 465,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 2 | $ 430,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 320,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 370,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 2 | $ 320,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 765,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 205,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 175,000 |
| Gsb Mortgage, Inc. 201 N. MAIN STREET GRAPEVINE, TX 76051 |
* | $ -1,000 | 1 | $ 165,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 235,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 165,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 165,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 75,000 |
| Pecos County State Bank 500 N MAIN ST FORT STOCKTON, TX 79735 |
* | $ 328,592,000 | 1 | $ 45,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 205,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 55,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 155,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 225,000 |
The tables below break down 2023 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 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 | 61 | $10,475,000 | $171,000 | $765,000 | $114,000 | $368,000 |
| Cash-out Refinancing | 2 | $260,000 | $130,000 | $155,000 | $107,000 | $143,000 |
| Home Improvement | 2 | $90,000 | $45,000 | $55,000 | $105,000 | $181,000 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $60,000 | $60,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 34 | $5,200,000 | $152,000 | $245,000 | $96,000 | $184,000 |
| White | 19 | $3,875,000 | $203,000 | $765,000 | $150,000 | $368,000 |
| Not Provided | 7 | $715,000 | $102,000 | $135,000 | $87,000 | $160,000 |
| Not applicable | 4 | $710,000 | $177,000 | $225,000 | $0 | $0 |
| Black or African American | 1 | $205,000 | $205,000 | $205,000 | $141,000 | $141,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $85,000 | $85,000 |
| 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) | 56 | $9,020,000 | $161,000 | $765,000 | $112,000 | $368,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,220,000 | $203,000 | $235,000 | $102,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 4 | $640,000 | $160,000 | $175,000 | $133,000 | $182,000 |
| 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 | 17 | $2,315,000 | $136,000 | $405,000 | $110,000 | $331,000 |
| Loan Originated | 15 | $2,385,000 | $159,000 | $395,000 | $117,000 | $201,000 |
| File Closed For Incompleteness | 12 | $1,330,000 | $110,000 | $225,000 | $87,000 | $160,000 |
| Application Withdrawn By Applicant | 11 | $2,775,000 | $252,000 | $765,000 | $132,000 | $368,000 |
| Application Approved But Not Accepted | 7 | $1,365,000 | $195,000 | $395,000 | $120,000 | $331,000 |
| Loan Purchased By The Institution | 4 | $710,000 | $177,000 | $225,000 | $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 | 48 | $8,400,000 | $175,000 | $765,000 | $114,000 | $368,000 |
| Credit History | 6 | $530,000 | $88,000 | $145,000 | $109,000 | $195,000 |
| Debt-To-Income Ratio | 4 | $620,000 | $155,000 | $245,000 | $78,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $735,000 | $245,000 | $405,000 | $194,000 | $331,000 |
| Credit Application Incomplete | 2 | $260,000 | $130,000 | $155,000 | $69,000 | $86,000 |
| Unverifiable Information | 2 | $180,000 | $90,000 | $115,000 | $63,000 | $98,000 |
| Collateral | 1 | $155,000 | $155,000 | $155,000 | $143,000 | $143,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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