Garza County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 105 mortgage applications in Garza County, TX totaling $16.1 million, up 9% from 2023. The average application was for $153,000, and applicants reported an average income of $110,000. 42% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 20 applications, followed by Alliance Credit Union and Cardinal Financial Company, Li.
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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 | 105 |
| Total Mortgage Loan Application Amount | $16,065,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $1,865,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $1,509,000 |
| 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 | 20 | $ 1,860,000 |
| Alliance Credit Union 8401 QUAKER AVE LUBBOCK, TX 79424 |
* | $ n/a | 5 | $ 435,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 4 | $ 410,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 375,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 335,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 475,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 3 | $ 245,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 325,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 3 | $ 1,265,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 375,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 3 | $ 535,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 305,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 290,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 2 | $ 140,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 300,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 350,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 2 | $ 250,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 430,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ n/a | 2 | $ 750,000 |
| Eecu 1617 W. 7TH STREET FORT WORTH, TX 76102 |
* | $ n/a | 2 | $ 120,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ n/a | 2 | $ 290,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 240,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 75,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 145,000 |
| Western Bank 5701 82ND ST LUBBOCK, TX 79401 |
* | $ n/a | 1 | $ 415,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ n/a | 1 | $ 125,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 65,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 165,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 135,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 75,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 85,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 425,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 165,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ n/a | 1 | $ 425,000 |
| Citizens State Bank 224 MAIN ST ANTON, TX 79313 |
* | $ n/a | 1 | $ 125,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 225,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 115,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ n/a | 1 | $ 145,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 125,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 1,865,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 155,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 185,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 55,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 65,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ n/a | 1 | $ 65,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 25,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2024 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 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 | 83 | $13,715,000 | $165,000 | $1,865,000 | $118,000 | $1,509,000 |
| Cash-out Refinancing | 7 | $835,000 | $119,000 | $185,000 | $73,000 | $111,000 |
| Refinancing | 6 | $860,000 | $143,000 | $225,000 | $97,000 | $210,000 |
| Other Purpose | 5 | $265,000 | $53,000 | $75,000 | $55,000 | $81,000 |
| Home Improvement | 3 | $345,000 | $115,000 | $275,000 | $119,000 | $155,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $82,000 | $82,000 |
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 | 50 | $6,630,000 | $132,000 | $645,000 | $100,000 | $338,000 |
| Hispanic | 22 | $2,850,000 | $129,000 | $275,000 | $90,000 | $246,000 |
| Not applicable | 15 | $1,965,000 | $131,000 | $425,000 | $0 | $0 |
| Not Provided | 12 | $4,100,000 | $341,000 | $1,865,000 | $211,000 | $1,509,000 |
| Black or African American | 5 | $455,000 | $91,000 | $165,000 | $53,000 | $102,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $43,000 | $43,000 |
| Asian | 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) | 77 | $12,225,000 | $158,000 | $1,865,000 | $118,000 | $1,509,000 |
| FHA-insured (Federal Housing Administration) | 26 | $3,600,000 | $138,000 | $265,000 | $84,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $92,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 1 | $155,000 | $155,000 | $155,000 | $88,000 | $88,000 |
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 | 44 | $5,890,000 | $133,000 | $425,000 | $111,000 | $338,000 |
| Application Denied By Financial Institution | 34 | $4,500,000 | $132,000 | $1,155,000 | $100,000 | $1,509,000 |
| Loan Purchased By The Institution | 14 | $1,850,000 | $132,000 | $425,000 | $52,000 | $52,000 |
| Application Withdrawn By Applicant | 8 | $2,790,000 | $348,000 | $1,865,000 | $146,000 | $431,000 |
| File Closed For Incompleteness | 3 | $905,000 | $301,000 | $645,000 | $148,000 | $263,000 |
| Application Approved But Not Accepted | 1 | $65,000 | $65,000 | $65,000 | $42,000 | $42,000 |
| Preapproval Approved but not Accepted | 1 | $65,000 | $65,000 | $65,000 | $82,000 | $82,000 |
| 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 | 69 | $11,015,000 | $159,000 | $1,865,000 | $114,000 | $431,000 |
| Credit History | 12 | $1,230,000 | $102,000 | $265,000 | $60,000 | $140,000 |
| Debt-To-Income Ratio | 12 | $1,610,000 | $134,000 | $425,000 | $56,000 | $175,000 |
| Collateral | 4 | $410,000 | $102,000 | $185,000 | $62,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,480,000 | $370,000 | $1,155,000 | $429,000 | $1,509,000 |
| Credit Application Incomplete | 2 | $200,000 | $100,000 | $135,000 | $81,000 | $81,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $82,000 | $82,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $35,000 | $35,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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