Culberson County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 44 mortgage applications in Culberson County, TX totaling $6.6 million, down 33% from 2023. The average application was for $149,000, and applicants reported an average income of $103,000. 36% of applications resulted in an originated loan and 16% were denied. The most active lender was 21st Mortgage, with 12 applications, followed by Guild Mortgage Company and Vanderbilt Mortgage and Finance, 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 | 44 |
| Total Mortgage Loan Application Amount | $6,570,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $445,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $203,000 |
| 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 | 12 | $ 1,650,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 720,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 265,000 |
| Gecu 1225 AIRWAY BLVD EL PASO, TX 79925 |
* | $ n/a | 3 | $ 335,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 270,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 370,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 2 | $ 450,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 45,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 145,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 195,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 1 | $ 55,000 |
| Pecos County State Bank 500 N MAIN ST FORT STOCKTON, TX 79735 |
* | $ n/a | 1 | $ 25,000 |
| Firstlight Federal Credit Unio 9983 KENWORTHY ST. EL PASO, TX 79924 |
* | $ n/a | 1 | $ 165,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 105,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 135,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 155,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ n/a | 1 | $ 135,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 325,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 145,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 445,000 |
The tables below break down 2024 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 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 | 38 | $5,880,000 | $154,000 | $445,000 | $102,000 | $203,000 |
| Home Improvement | 3 | $155,000 | $51,000 | $85,000 | $60,000 | $79,000 |
| Other Purpose | 2 | $340,000 | $170,000 | $175,000 | $139,000 | $157,000 |
| Cash-out Refinancing | 1 | $195,000 | $195,000 | $195,000 | $197,000 | $197,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 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 | 21 | $2,905,000 | $138,000 | $325,000 | $96,000 | $197,000 |
| White | 13 | $1,935,000 | $148,000 | $235,000 | $103,000 | $203,000 |
| Not Provided | 5 | $995,000 | $199,000 | $445,000 | $116,000 | $174,000 |
| Not applicable | 3 | $605,000 | $201,000 | $325,000 | $0 | $0 |
| Black or African American | 2 | $130,000 | $65,000 | $75,000 | $139,000 | $165,000 |
| 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 |
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) | 35 | $4,845,000 | $138,000 | $445,000 | $103,000 | $203,000 |
| VA-guaranteed (Veterans Administration) | 5 | $625,000 | $125,000 | $135,000 | $93,000 | $120,000 |
| FHA-insured (Federal Housing Administration) | 4 | $1,100,000 | $275,000 | $325,000 | $117,000 | $122,000 |
| 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 | 16 | $2,350,000 | $146,000 | $325,000 | $110,000 | $203,000 |
| Application Withdrawn By Applicant | 10 | $1,820,000 | $182,000 | $445,000 | $120,000 | $174,000 |
| File Closed For Incompleteness | 7 | $825,000 | $117,000 | $155,000 | $99,000 | $133,000 |
| Application Denied By Financial Institution | 7 | $875,000 | $125,000 | $245,000 | $69,000 | $120,000 |
| Loan Purchased By The Institution | 3 | $605,000 | $201,000 | $325,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $95,000 | $95,000 | $95,000 | $84,000 | $84,000 |
| 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 | 37 | $5,695,000 | $153,000 | $445,000 | $110,000 | $203,000 |
| Credit History | 4 | $500,000 | $125,000 | $245,000 | $80,000 | $120,000 |
| Debt-To-Income Ratio | 2 | $250,000 | $125,000 | $155,000 | $40,000 | $64,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $84,000 | $84,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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