Dickens County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 35 mortgage applications in Dickens County, TX totaling $4.2 million, down 17% from 2023. The average application was for $119,000, and applicants reported an average income of $87,000. 37% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 7 applications, followed by T2 Financial LLC and USAA Federal Savings Bank.
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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 | 35 |
| Total Mortgage Loan Application Amount | $4,165,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $232,000 |
| 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 | $ 715,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 4 | $ 870,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 130,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 160,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 160,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 55,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 115,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 105,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 55,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ n/a | 1 | $ 55,000 |
| Vista Bank 5840 W NORTHWEST HWY DALLAS, TX 75225 |
* | $ n/a | 1 | $ 25,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 55,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ n/a | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 215,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 85,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 145,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 165,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 55,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 355,000 |
The tables below break down 2024 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 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 | 27 | $3,445,000 | $127,000 | $355,000 | $84,000 | $232,000 |
| Other Purpose | 4 | $380,000 | $95,000 | $185,000 | $94,000 | $165,000 |
| Refinancing | 3 | $265,000 | $88,000 | $105,000 | $86,000 | $115,000 |
| Home Improvement | 1 | $75,000 | $75,000 | $75,000 | $144,000 | $144,000 |
| Cash-out 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 |
|---|---|---|---|---|---|---|
| White | 22 | $2,470,000 | $112,000 | $355,000 | $92,000 | $232,000 |
| Not Provided | 5 | $495,000 | $99,000 | $165,000 | $64,000 | $183,000 |
| Hispanic | 5 | $685,000 | $137,000 | $355,000 | $90,000 | $144,000 |
| Not applicable | 3 | $515,000 | $171,000 | $355,000 | $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 |
| Black or African American | 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) | 27 | $2,595,000 | $96,000 | $235,000 | $89,000 | $232,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,290,000 | $215,000 | $355,000 | $89,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 2 | $280,000 | $140,000 | $215,000 | $60,000 | $76,000 |
| 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 | 13 | $1,455,000 | $111,000 | $355,000 | $103,000 | $232,000 |
| Application Denied By Financial Institution | 8 | $640,000 | $80,000 | $115,000 | $56,000 | $109,000 |
| Application Withdrawn By Applicant | 7 | $1,085,000 | $155,000 | $355,000 | $104,000 | $183,000 |
| File Closed For Incompleteness | 3 | $305,000 | $101,000 | $145,000 | $66,000 | $93,000 |
| Loan Purchased By The Institution | 3 | $515,000 | $171,000 | $355,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $165,000 | $165,000 | $165,000 | $77,000 | $77,000 |
| 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 | 26 | $3,500,000 | $134,000 | $355,000 | $99,000 | $232,000 |
| Debt-To-Income Ratio | 8 | $580,000 | $72,000 | $115,000 | $51,000 | $109,000 |
| Collateral | 1 | $85,000 | $85,000 | $85,000 | $102,000 | $102,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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