Dickens County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 33 mortgage applications in Dickens County, TX totaling $3.3 million, down 6% from 2024. The average application was for $100,000, and applicants reported an average income of $81,000. 12% of applications resulted in an originated loan and 36% were denied. The most active lender was 21st Mortgage, with 7 applications, followed by Vanderbilt Mortgage and Finance, Inc 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 | 33 |
| Total Mortgage Loan Application Amount | $3,325,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $208,000 |
| 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 | 7 | $ 845,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 5 | $ 405,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 5 | $ 475,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 3 | $ 255,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 55,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 45,000 |
| Rogue Credit Union 1370 CENTER DRIVE MEDFORD, OR 97501 |
* | $ n/a | 1 | $ 255,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 115,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ n/a | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 45,000 |
| High Plains Home Lending 6401 S BELL ST AMARILLO, TX 79106 |
* | $ n/a | 1 | $ 15,000 |
| Residential Wholesale Mortgage 11234 EL CAMINO REAL #100 SAN DIEGO, CA 92130 |
* | $ n/a | 1 | $ 65,000 |
The tables below break down 2025 mortgage applications in Dickens 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 Dickens County, TX in 2025
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 | 26 | $2,660,000 | $102,000 | $255,000 | $72,000 | $208,000 |
| Cash-out Refinancing | 5 | $605,000 | $121,000 | $235,000 | $130,000 | $154,000 |
| Other Purpose | 1 | $45,000 | $45,000 | $45,000 | $52,000 | $52,000 |
| Refinancing | 1 | $15,000 | $15,000 | $15,000 | $60,000 | $60,000 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| White | 17 | $1,615,000 | $95,000 | $235,000 | $81,000 | $175,000 |
| Not Provided | 8 | $910,000 | $113,000 | $235,000 | $110,000 | $208,000 |
| Hispanic | 6 | $360,000 | $60,000 | $75,000 | $47,000 | $61,000 |
| Black or African American | 1 | $185,000 | $185,000 | $185,000 | $60,000 | $60,000 |
| Not applicable | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| 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) | 30 | $3,010,000 | $100,000 | $255,000 | $79,000 | $208,000 |
| FHA-insured (Federal Housing Administration) | 3 | $315,000 | $105,000 | $135,000 | $97,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 12 | $1,150,000 | $95,000 | $235,000 | $90,000 | $154,000 |
| File Closed For Incompleteness | 8 | $820,000 | $102,000 | $235,000 | $93,000 | $208,000 |
| Loan Originated | 4 | $340,000 | $85,000 | $125,000 | $79,000 | $142,000 |
| Application Withdrawn By Applicant | 4 | $370,000 | $92,000 | $135,000 | $75,000 | $92,000 |
| Application Approved But Not Accepted | 3 | $335,000 | $111,000 | $185,000 | $47,000 | $60,000 |
| Preapproval Denied by Financial Institution | 1 | $55,000 | $55,000 | $55,000 | $37,000 | $37,000 |
| Loan Purchased By The Institution | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
| 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 | 20 | $2,120,000 | $106,000 | $255,000 | $79,000 | $208,000 |
| Credit History | 6 | $400,000 | $66,000 | $105,000 | $66,000 | $126,000 |
| Other | 2 | $120,000 | $60,000 | $85,000 | $82,000 | $86,000 |
| Unverifiable Information | 2 | $300,000 | $150,000 | $235,000 | $116,000 | $154,000 |
| Credit Application Incomplete | 2 | $290,000 | $145,000 | $225,000 | $0 | $0 |
| Collateral | 1 | $95,000 | $95,000 | $95,000 | $142,000 | $142,000 |
| Debt-To-Income Ratio | 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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