Garza County, TX Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 145 mortgage applications in Garza County, TX totaling $21.7 million, up 33% from 2019. The average application was for $149,000, and applicants reported an average income of $140,000. 41% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 28 applications, followed by Wells Fargo Bank NA and Happy State 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 | 145 |
| Total Mortgage Loan Application Amount | $21,705,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $140,000 |
| Highest Applicant Income | $1,236,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 28 | $ 2,780,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 8 | $ 720,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 3,824,411,000 | 6 | $ 1,030,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 855,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 695,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 5 | $ 685,000 |
| Alliance Credit Union 8401 QUAKER AVE LUBBOCK, TX 79424 |
* | $ 280,101,000 | 5 | $ 635,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,235,138,000 | 5 | $ 1,025,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 460,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 220,695,000 | 4 | $ 420,000 |
| First Bank & Trust 9816 SLIDE RD. LUBBOCK, TX 79424 |
* | $ 1,137,714,000 | 4 | $ 710,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 4 | $ 280,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 415,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 32,184,416,000 | 3 | $ 475,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 265,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ -1,000 | 3 | $ 455,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 1,165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 360,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 2 | $ 350,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 2 | $ 240,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 5,700,689,000 | 2 | $ 390,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 370,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 560,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 420,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 330,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 740,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 260,000 |
| Infinity Mortgage Holdings, LLC 3420 EXECUTIVE CENTER DRIVE, SUITE G100 AUSTIN, TX 78731 |
* | $ -1,000 | 1 | $ 265,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 1 | $ 85,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 85,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 1 | $ 155,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 45,000 |
| Western Bank 5701 82ND ST LUBBOCK, TX 79401 |
* | $ 341,499,000 | 1 | $ 145,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 75,000 |
| Loanpeople, LLC 3420 EXECUTIVE CENTER DR #G100 AUSTIN, TX 78731 |
* | $ -1,000 | 1 | $ 185,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 95,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 45,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 185,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,388,263,000 | 1 | $ 55,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 295,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 145,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| Lrs Financial Network dba Hnb Mortgage 2101 W. WADLEY STE. 36 MIDLAND, TX 79705 |
* | $ -1,000 | 1 | $ 455,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 185,000 |
| Jefferson Bank PO BOX 5190 SAN ANTONIO, TX 78215 |
* | $ 1,954,112,000 | 1 | $ 425,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 92,657,948,000 | 1 | $ 105,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 55,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 225,000 |
| Austin Bank, Texas National Association PO BOX 1537 JACKSONVILLE, TX 75766 |
* | $ 1,859,995,000 | 1 | $ 25,000 |
The tables below break down 2020 mortgage applications in Garza 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 Garza 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 | 104 | $15,090,000 | $145,000 | $605,000 | $110,000 | $706,000 |
| Refinancing | 19 | $2,945,000 | $155,000 | $455,000 | $191,000 | $1,038,000 |
| Cash-out Refinancing | 11 | $2,585,000 | $235,000 | $535,000 | $289,000 | $1,236,000 |
| Not Applicable | 6 | $360,000 | $60,000 | $105,000 | $0 | $0 |
| Home Improvement | 3 | $315,000 | $105,000 | $125,000 | $215,000 | $291,000 |
| Other Purpose | 2 | $410,000 | $205,000 | $305,000 | $393,000 | $632,000 |
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 | 74 | $12,200,000 | $164,000 | $535,000 | $157,000 | $1,236,000 |
| Hispanic | 27 | $3,115,000 | $115,000 | $295,000 | $91,000 | $270,000 |
| Not applicable | 22 | $3,520,000 | $160,000 | $605,000 | $197,000 | $416,000 |
| Not Provided | 16 | $2,340,000 | $146,000 | $425,000 | $126,000 | $551,000 |
| Black or African American | 6 | $530,000 | $88,000 | $135,000 | $104,000 | $225,000 |
| 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) | 104 | $16,380,000 | $157,000 | $605,000 | $156,000 | $1,236,000 |
| FHA-insured (Federal Housing Administration) | 32 | $3,990,000 | $124,000 | $275,000 | $81,000 | $169,000 |
| VA-guaranteed (Veterans Administration) | 6 | $970,000 | $161,000 | $295,000 | $82,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $365,000 | $121,000 | $155,000 | $55,000 | $55,000 |
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 | 59 | $9,855,000 | $167,000 | $605,000 | $142,000 | $706,000 |
| Application Denied By Financial Institution | 33 | $4,715,000 | $142,000 | $505,000 | $91,000 | $291,000 |
| Loan Purchased By The Institution | 29 | $4,445,000 | $153,000 | $495,000 | $192,000 | $551,000 |
| Application Withdrawn By Applicant | 15 | $2,015,000 | $134,000 | $535,000 | $223,000 | $1,236,000 |
| File Closed For Incompleteness | 7 | $515,000 | $73,000 | $135,000 | $67,000 | $117,000 |
| Application Approved But Not Accepted | 2 | $160,000 | $80,000 | $85,000 | $48,000 | $59,000 |
| 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 | 112 | $16,990,000 | $151,000 | $605,000 | $156,000 | $1,236,000 |
| Credit History | 15 | $1,775,000 | $118,000 | $255,000 | $96,000 | $225,000 |
| Debt-To-Income Ratio | 5 | $905,000 | $181,000 | $315,000 | $47,000 | $65,000 |
| Credit Application Incomplete | 4 | $990,000 | $247,000 | $505,000 | $78,000 | $98,000 |
| Other | 3 | $385,000 | $128,000 | $185,000 | $75,000 | $139,000 |
| Unverifiable Information | 3 | $265,000 | $88,000 | $135,000 | $159,000 | $291,000 |
| Collateral | 1 | $175,000 | $175,000 | $175,000 | $125,000 | $125,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $53,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $59,000 | $59,000 |
| 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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