Delta County, TX Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 211 mortgage applications in Delta County, TX totaling $30.5 million, up 10% from 2019. The average application was for $144,000, and applicants reported an average income of $91,000. 50% of applications resulted in an originated loan and 18% were denied. The most active lender was Alliance Bank, with 17 applications, followed by The City National Bank of Sulphur Springs and Guaranty Bank & Trust.
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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 | 211 |
| Total Mortgage Loan Application Amount | $30,465,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $543,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Alliance Bank P.O. BOX 500 SULPHUR SPRINGS, TX 75483 |
* | $ 979,757,000 | 17 | $ 2,175,000 |
| The City National Bank of Sulphur Springs 1108 S BROADWAY ST SULPHUR SPRINGS, TX 75482 |
* | $ 769,422,000 | 14 | $ 1,980,000 |
| Guaranty Bank & Trust 100 W ARKANSAS ST MT PLEASANT, TX 75455 |
* | $ 2,318,497,000 | 13 | $ 1,175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 11 | $ 1,215,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 8 | $ 1,010,000 |
| Independent Bank 1600 REDBUD BLVD MCKINNEY, TX 75070 |
* | $ 14,953,260,000 | 7 | $ 545,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 5 | $ 675,000 |
| American National Bank of Texa 102 W MOORE AVENUE TERRELL, TX 75160 |
* | $ 3,466,962,000 | 4 | $ 940,000 |
| Legend Bank, N.A. 101 TARRANT ST BOWIE, TX 76230 |
* | $ 758,653,000 | 4 | $ 700,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 4 | $ 610,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 470,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 770,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 235,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 435,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 3 | $ 465,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 365,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 525,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 3 | $ 505,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 1,005,002,000 | 3 | $ 155,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 655,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 975,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 420,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 310,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 120,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 2 | $ 240,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 400,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 320,000 |
| Cypress Bank State Savings Bank 120 S GREER BLVD PITTSBURG, TX 75686 |
* | $ 190,310,000 | 2 | $ 350,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 2 | $ 160,000 |
| Austin Bank, Texas National Association PO BOX 1537 JACKSONVILLE, TX 75766 |
* | $ 1,859,995,000 | 2 | $ 80,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 300,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 280,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 40,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 260,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 190,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 230,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 230,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 640,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 8,090,901,000 | 2 | $ 250,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 340,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 285,000 |
| Certainty Home Loans, LLC 6101 WEST PLANO PARKWAY WILMINGTON, DE 75093 |
* | $ -1,000 | 1 | $ 75,000 |
| Gardner Financial Services, Ltd. 3503 PAESANOS PKWY SAN ANTONIO, TX 78231 |
* | $ -1,000 | 1 | $ 85,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 95,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 455,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 185,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 1 | $ 205,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 85,000 |
| First Mortgage Solutions, LLC 9237 WARD PARKWAY, SUITE 300 KANSAS CITY, MO 64114 |
* | $ -1,000 | 1 | $ 455,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 125,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 1 | $ 365,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 105,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 1 | $ 345,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 1 | $ 225,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 155,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 125,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 1,036,653,000 | 1 | $ 55,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 8,228,226,000 | 1 | $ 355,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 75,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 95,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 115,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 375,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 1 | $ 205,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 115,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 135,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 225,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 155,000 |
| Incommons Bank, N.A. 301 E COMMERCE MEXIA, TX 76667 |
* | $ 179,606,000 | 1 | $ 315,000 |
| Town Square Mortgage & Investments LLC 17300 DALLAS PKWY, STE 1030 DALLAS, TX 75248 |
* | $ -1,000 | 1 | $ 105,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 85,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 1 | $ 15,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 1 | $ 115,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 105,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 195,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2020 mortgage applications in Delta 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 Delta 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 | 105 | $15,665,000 | $149,000 | $455,000 | $81,000 | $543,000 |
| Refinancing | 58 | $8,230,000 | $141,000 | $375,000 | $106,000 | $450,000 |
| Cash-out Refinancing | 32 | $5,400,000 | $168,000 | $365,000 | $101,000 | $250,000 |
| Not Applicable | 7 | $585,000 | $83,000 | $255,000 | $0 | $0 |
| Home Improvement | 6 | $400,000 | $66,000 | $115,000 | $86,000 | $187,000 |
| Other Purpose | 3 | $185,000 | $61,000 | $75,000 | $76,000 | $98,000 |
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 | 136 | $19,850,000 | $145,000 | $455,000 | $95,000 | $543,000 |
| Not applicable | 25 | $3,195,000 | $127,000 | $455,000 | $183,000 | $183,000 |
| Not Provided | 21 | $3,315,000 | $157,000 | $375,000 | $62,000 | $300,000 |
| Hispanic | 12 | $1,630,000 | $135,000 | $395,000 | $75,000 | $172,000 |
| Black or African American | 9 | $1,235,000 | $137,000 | $265,000 | $74,000 | $177,000 |
| American Indian or Alaskan Native | 5 | $815,000 | $163,000 | $255,000 | $88,000 | $138,000 |
| Asian | 1 | $205,000 | $205,000 | $205,000 | $159,000 | $159,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $115,000 | $115,000 |
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) | 144 | $20,610,000 | $143,000 | $455,000 | $101,000 | $543,000 |
| FHA-insured (Federal Housing Administration) | 31 | $4,135,000 | $133,000 | $285,000 | $54,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,630,000 | $178,000 | $395,000 | $80,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,090,000 | $109,000 | $195,000 | $44,000 | $62,000 |
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 | 105 | $15,875,000 | $151,000 | $455,000 | $86,000 | $250,000 |
| Application Denied By Financial Institution | 38 | $5,130,000 | $135,000 | $375,000 | $90,000 | $450,000 |
| Application Withdrawn By Applicant | 24 | $3,670,000 | $152,000 | $375,000 | $113,000 | $434,000 |
| Loan Purchased By The Institution | 19 | $3,095,000 | $162,000 | $455,000 | $103,000 | $183,000 |
| Application Approved But Not Accepted | 13 | $1,305,000 | $100,000 | $155,000 | $111,000 | $543,000 |
| File Closed For Incompleteness | 11 | $1,305,000 | $118,000 | $215,000 | $45,000 | $83,000 |
| Preapproval Denied by Financial Institution | 1 | $85,000 | $85,000 | $85,000 | $91,000 | $91,000 |
| Preapproval Approved but not Accepted | 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 | 156 | $23,250,000 | $149,000 | $455,000 | $91,000 | $543,000 |
| Debt-To-Income Ratio | 26 | $3,650,000 | $140,000 | $375,000 | $86,000 | $250,000 |
| Credit History | 13 | $1,295,000 | $99,000 | $225,000 | $76,000 | $187,000 |
| Credit Application Incomplete | 8 | $940,000 | $117,000 | $195,000 | $123,000 | $450,000 |
| Collateral | 5 | $665,000 | $133,000 | $195,000 | $95,000 | $230,000 |
| Other | 1 | $365,000 | $365,000 | $365,000 | $172,000 | $172,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $72,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $175,000 | $175,000 | $175,000 | $53,000 | $53,000 |
| Mortgage Insurance Denied | 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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