Dickens County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 42 mortgage applications in Dickens County, TX totaling $4.0 million, up 35% from 2022. The average application was for $94,000, and applicants reported an average income of $67,000. 24% of applications resulted in an originated loan and 33% were denied. The most active lender was 21st Mortgage, with 9 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 | 42 |
| Total Mortgage Loan Application Amount | $3,980,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $257,000 |
| 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 | 9 | $ 795,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 9 | $ 1,015,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 350,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 3 | $ 195,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,942,106,000 | 2 | $ 70,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 35,000 |
| Citizens State Bank 224 MAIN ST ANTON, TX 79313 |
* | $ 64,244,000 | 1 | $ 95,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 105,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 55,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 205,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 85,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 89,544,919,000 | 1 | $ 25,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 37,695,970,000 | 1 | $ 55,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 75,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 397,701,000 | 1 | $ 135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 105,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 205,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 65,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 205,000 |
The tables below break down 2023 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 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 | 33 | $3,145,000 | $95,000 | $225,000 | $64,000 | $257,000 |
| Cash-out Refinancing | 5 | $525,000 | $105,000 | $205,000 | $74,000 | $160,000 |
| Other Purpose | 2 | $60,000 | $30,000 | $35,000 | $53,000 | $65,000 |
| Refinancing | 1 | $45,000 | $45,000 | $45,000 | $75,000 | $75,000 |
| Home Improvement | 1 | $205,000 | $205,000 | $205,000 | $138,000 | $138,000 |
| 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 | 25 | $2,095,000 | $83,000 | $205,000 | $72,000 | $257,000 |
| Not Provided | 8 | $920,000 | $115,000 | $205,000 | $62,000 | $160,000 |
| Not applicable | 4 | $560,000 | $140,000 | $225,000 | $0 | $0 |
| Hispanic | 4 | $330,000 | $82,000 | $135,000 | $51,000 | $72,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $36,000 | $36,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 40 | $3,770,000 | $94,000 | $225,000 | $65,000 | $257,000 |
| FHA-insured (Federal Housing Administration) | 2 | $210,000 | $105,000 | $105,000 | $119,000 | $119,000 |
| 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 | 14 | $1,270,000 | $90,000 | $155,000 | $48,000 | $122,000 |
| Loan Originated | 10 | $1,090,000 | $109,000 | $205,000 | $98,000 | $257,000 |
| File Closed For Incompleteness | 8 | $730,000 | $91,000 | $205,000 | $80,000 | $240,000 |
| Application Withdrawn By Applicant | 5 | $265,000 | $53,000 | $75,000 | $46,000 | $75,000 |
| Loan Purchased By The Institution | 4 | $570,000 | $142,000 | $225,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $55,000 | $55,000 | $55,000 | $56,000 | $56,000 |
| 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 | 27 | $2,615,000 | $96,000 | $225,000 | $79,000 | $257,000 |
| Credit History | 8 | $740,000 | $92,000 | $155,000 | $56,000 | $122,000 |
| Debt-To-Income Ratio | 4 | $370,000 | $92,000 | $155,000 | $32,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $120,000 | $60,000 | $65,000 | $27,000 | $29,000 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $72,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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