Gonzales County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 536 mortgage applications in Gonzales County, TX totaling $106.6 million, down 9% from 2023. The average application was for $198,000, and applicants reported an average income of $109,000. 36% of applications resulted in an originated loan and 27% were denied. The most active lender was 21st Mortgage, with 83 applications, followed by Vanderbilt Mortgage and Finance, Inc and Randolph-Brooks Federal Credit Union.
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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 | 536 |
| Total Mortgage Loan Application Amount | $106,590,000 |
| Average Mortgage Loan Application Amount | $198,000 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $3,506,000 |
* 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 |
* | $ n/a | 83 | $ 11,905,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 74 | $ 10,270,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 47 | $ 4,905,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 29 | $ 3,705,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 24 | $ 7,250,000 |
| Sage Capital Bank 1606 N SARAH DEWITT DRIVE GONZALES, TX 78629 |
* | $ n/a | 14 | $ 2,920,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 13 | $ 4,215,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 13 | $ 2,735,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 11 | $ 1,435,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 2,600,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 9 | $ 965,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 8 | $ 3,310,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 7 | $ 555,000 |
| First National Bank of Shiner 103 W. 7TH ST / P. O. BOX 607 SHINER, TX 77984 |
* | $ n/a | 7 | $ 1,495,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 7 | $ 805,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 7 | $ 925,000 |
| Southstar Bank SSB 100 S. MAIN MOULTON, TX 77975 |
* | $ n/a | 6 | $ 740,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 6 | $ 2,980,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 6 | $ 4,040,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 5 | $ 1,035,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 5 | $ 1,165,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 4 | $ 480,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 4 | $ 1,020,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 1,720,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 630,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 4 | $ 940,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 1,320,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 4 | $ 390,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ n/a | 3 | $ 195,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 3 | $ 515,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ n/a | 3 | $ 495,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 705,000 |
| Crossroads Bank 406 W. GRAND AVE, P.O. BOX 778 YOAKUM, TX 77995 |
* | $ n/a | 3 | $ 925,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 865,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 695,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 3 | $ 625,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 3 | $ 1,475,000 |
| Loanpeople, LLC 3420 EXECUTIVE CENTER DR #G100 AUSTIN, TX 78731 |
* | $ n/a | 2 | $ 710,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 290,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ n/a | 2 | $ 1,120,000 |
| Gardner Financial Services 3503 PAESANOS PKWY SAN ANTONIO, TX 78259 |
* | $ n/a | 2 | $ 510,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 220,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 780,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 550,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 2 | $ 1,020,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 200,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 580,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 700,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 160,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ n/a | 2 | $ 820,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 310,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ n/a | 2 | $ 280,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 280,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 980,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 125,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 155,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 485,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 165,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ n/a | 1 | $ 105,000 |
| Transpecos Banks, SSB - Pecos, Tx 112 E. PECAN STREET SUITE 800 SAN ANTONIO, TX 78205 |
* | $ n/a | 1 | $ 135,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 275,000 |
| Texas D P S Credit Union 621 W ST JOHNS AVE AUSTIN, TX 78752 |
* | $ n/a | 1 | $ 65,000 |
| Directions Equity, LLC 2915 W BITTERS RD #102 SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 285,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 275,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 25,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 265,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 35,000 |
| Jefferson Bank PO BOX 5190 SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 215,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 475,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 85,000 |
| Eecu 1617 W. 7TH STREET FORT WORTH, TX 76102 |
* | $ n/a | 1 | $ 245,000 |
| First Lockhart Bank P O BOX 600 LOCKHART, TX 78644 |
* | $ n/a | 1 | $ 455,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 295,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 1 | $ 345,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ n/a | 1 | $ 45,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 375,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 165,000 |
| Mortgageone, Inc 2714 LOKER AVE WEST SUITE 300 CARLSBAD, CA 92010 |
* | $ n/a | 1 | $ 165,000 |
| All Credit Considered Mortgage, Inc. 1801 RESEARCH BLVD #410 ROCKVILLE, MD 20850 |
* | $ n/a | 1 | $ 215,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 275,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 965,000 |
| Citizens State Bank P O BOX 600 SEALY, TX 77474 |
* | $ n/a | 1 | $ 115,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ n/a | 1 | $ 305,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 695,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 175,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 255,000 |
| Rb Mortgage LLC ONE RANDOLPH BROOKS PARKWAY LIVE OAK, TX 78233 |
* | $ n/a | 1 | $ 275,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 195,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 85,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ n/a | 1 | $ 95,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ n/a | 1 | $ 235,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 85,000 |
| Sente Mortgage, Inc. 4520 BURNET ROAD AUSTIN, TX 78756 |
* | $ n/a | 1 | $ 195,000 |
| Pilgrim Mortgage LLC 1270 N LOOP 1604 E STE 1101 SAN ANTONIO, TX 78232 |
* | $ n/a | 1 | $ 355,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 1,025,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 195,000 |
| Falls City National Bank PO BOX 339 FALLS CITY, TX 78113 |
* | $ n/a | 1 | $ 725,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2024 mortgage applications in Gonzales 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 Gonzales 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 | 386 | $74,240,000 | $192,000 | $1,025,000 | $111,000 | $3,506,000 |
| Cash-out Refinancing | 68 | $9,710,000 | $142,000 | $965,000 | $106,000 | $225,000 |
| Refinancing | 50 | $18,940,000 | $378,000 | $1,305,000 | $102,000 | $199,000 |
| Other Purpose | 17 | $2,055,000 | $120,000 | $325,000 | $88,000 | $224,000 |
| Home Improvement | 14 | $1,550,000 | $110,000 | $245,000 | $97,000 | $250,000 |
| Not Applicable | 1 | $95,000 | $95,000 | $95,000 | $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 | 227 | $50,155,000 | $220,000 | $1,305,000 | $118,000 | $2,436,000 |
| Hispanic | 204 | $30,560,000 | $149,000 | $545,000 | $102,000 | $3,506,000 |
| Not applicable | 38 | $12,130,000 | $319,000 | $965,000 | $167,000 | $167,000 |
| Not Provided | 38 | $8,260,000 | $217,000 | $965,000 | $92,000 | $263,000 |
| Black or African American | 22 | $4,190,000 | $190,000 | $705,000 | $86,000 | $253,000 |
| American Indian or Alaskan Native | 4 | $650,000 | $162,000 | $285,000 | $181,000 | $372,000 |
| Asian | 3 | $645,000 | $215,000 | $355,000 | $111,000 | $186,000 |
| 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) | 445 | $75,515,000 | $169,000 | $1,025,000 | $110,000 | $3,506,000 |
| VA-guaranteed (Veterans Administration) | 53 | $20,795,000 | $392,000 | $1,305,000 | $112,000 | $188,000 |
| FHA-insured (Federal Housing Administration) | 38 | $10,280,000 | $270,000 | $485,000 | $86,000 | $208,000 |
| 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 | 194 | $46,110,000 | $237,000 | $1,305,000 | $129,000 | $2,436,000 |
| Application Denied By Financial Institution | 146 | $21,740,000 | $148,000 | $955,000 | $103,000 | $3,506,000 |
| File Closed For Incompleteness | 81 | $13,345,000 | $164,000 | $705,000 | $83,000 | $253,000 |
| Application Withdrawn By Applicant | 54 | $8,780,000 | $162,000 | $655,000 | $94,000 | $237,000 |
| Loan Purchased By The Institution | 33 | $10,975,000 | $332,000 | $965,000 | $142,000 | $167,000 |
| Application Approved But Not Accepted | 27 | $5,405,000 | $200,000 | $665,000 | $104,000 | $250,000 |
| Preapproval Approved but not Accepted | 1 | $235,000 | $235,000 | $235,000 | $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 | 361 | $79,055,000 | $218,000 | $1,305,000 | $101,000 | $405,000 |
| Debt-To-Income Ratio | 65 | $12,545,000 | $193,000 | $955,000 | $144,000 | $2,436,000 |
| Credit History | 57 | $7,285,000 | $127,000 | $385,000 | $134,000 | $3,506,000 |
| Collateral | 16 | $2,470,000 | $154,000 | $315,000 | $96,000 | $159,000 |
| Credit Application Incomplete | 12 | $1,850,000 | $154,000 | $305,000 | $77,000 | $155,000 |
| Unverifiable Information | 10 | $1,280,000 | $128,000 | $195,000 | $77,000 | $156,000 |
| Other | 6 | $1,150,000 | $191,000 | $505,000 | $120,000 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $810,000 | $135,000 | $175,000 | $65,000 | $93,000 |
| Employment History | 3 | $145,000 | $48,000 | $55,000 | $84,000 | $106,000 |
| 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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