Edwards County, TX Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 42 mortgage applications in Edwards County, TX totaling $6.1 million, up 20% from 2018. The average application was for $145,000, and applicants reported an average income of $100,000. 40% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 12 applications, followed by Credit Human Federal Credit Un and Countryplace Mortgage, Ltd..
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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 | $6,100,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $413,000 |
| 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 | 12 | $ 1,130,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 3 | $ 305,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 195,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 130,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 440,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 423,400,000 | 2 | $ 150,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 2 | $ 430,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 2 | $ 170,000 |
| Jefferson Bank PO BOX 5190 SAN ANTONIO, TX 78215 |
* | $ 1,905,588,000 | 1 | $ 85,000 |
| Focusone Mortgage, LLC 9601 JONES RD STE 108 HOUSTON, TX 77065 |
* | $ -1,000 | 1 | $ 75,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 1 | $ 245,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 185,000 |
| Texas Citizens Bank, National Association 4949 FAIRMONT PARKWAY PASADENA, TX 77505 |
* | $ 556,035,000 | 1 | $ 1,045,000 |
| Amplify Credit Union 3600 W PARMER LANE AUSTIN, TX 78727 |
* | $ 957,527,000 | 1 | $ 105,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 275,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 95,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 85,000 |
| The Pecos County State Bank 500 N MAIN ST FORT STOCKTON, TX 79735 |
* | $ 257,403,000 | 1 | $ 145,000 |
The tables below break down 2019 mortgage applications in Edwards 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 Edwards County, TX in 2019
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 | 34 | $5,230,000 | $153,000 | $1,045,000 | $107,000 | $413,000 |
| Other Purpose | 4 | $340,000 | $85,000 | $145,000 | $70,000 | $108,000 |
| Refinancing | 3 | $425,000 | $141,000 | $275,000 | $52,000 | $52,000 |
| Cash-out Refinancing | 1 | $105,000 | $105,000 | $105,000 | $31,000 | $31,000 |
| 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 | 23 | $3,305,000 | $143,000 | $315,000 | $111,000 | $261,000 |
| Hispanic | 11 | $1,005,000 | $91,000 | $275,000 | $50,000 | $97,000 |
| Not Provided | 7 | $745,000 | $106,000 | $145,000 | $128,000 | $413,000 |
| Not applicable | 1 | $1,045,000 | $1,045,000 | $1,045,000 | $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) | 39 | $5,665,000 | $145,000 | $1,045,000 | $101,000 | $413,000 |
| FHA-insured (Federal Housing Administration) | 2 | $160,000 | $80,000 | $85,000 | $59,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 1 | $275,000 | $275,000 | $275,000 | $0 | $0 |
| 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 | 17 | $3,085,000 | $181,000 | $1,045,000 | $110,000 | $413,000 |
| Application Denied By Financial Institution | 10 | $720,000 | $72,000 | $145,000 | $68,000 | $120,000 |
| File Closed For Incompleteness | 7 | $855,000 | $122,000 | $275,000 | $121,000 | $245,000 |
| Application Withdrawn By Applicant | 6 | $1,100,000 | $183,000 | $315,000 | $112,000 | $239,000 |
| Loan Purchased By The Institution | 2 | $340,000 | $170,000 | $245,000 | $73,000 | $73,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 | 32 | $5,380,000 | $168,000 | $1,045,000 | $111,000 | $413,000 |
| Credit History | 5 | $405,000 | $81,000 | $145,000 | $65,000 | $108,000 |
| Debt-To-Income Ratio | 3 | $185,000 | $61,000 | $85,000 | $60,000 | $120,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $120,000 | $120,000 |
| Collateral | 1 | $85,000 | $85,000 | $85,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 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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