Gray County, TX Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 597 mortgage applications in Gray County, TX totaling $83.3 million, down 29% from 2021. The average application was for $139,000, and applicants reported an average income of $82,000. 49% of applications resulted in an originated loan and 14% were denied. The most active lender was Eustis Mortgage Corp, with 66 applications, followed by Firstbank Southwest and First Bank & Trust.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 597
Total Mortgage Loan Application Amount $83,285,000
Average Mortgage Loan Application Amount $139,000
Highest Mortgage Loan Application Amount $3,505,000
Average Applicant Income $82,000
Highest Applicant Income $1,437,000

Mortgage Company List for Lending in Gray County, TX for 2022

* 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
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 66 $ 8,630,000
Firstbank Southwest
2401 S. GEORGIA
AMARILLO, TX 79109
* $ 1,399,035,000 56 $ 7,150,000
First Bank & Trust
9816 SLIDE RD.
LUBBOCK, TX 79424
* $ 2,880,699,000 34 $ 5,220,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 18,017,667,000 28 $ 6,940,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ 7,872,806,000 27 $ 2,525,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 21 $ 1,795,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 20 $ 2,440,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 19 $ 2,725,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 16 $ 2,240,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 14 $ 1,780,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 14 $ 1,700,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 2,080,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 955,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 9 $ 1,385,000
Acfcu Federal Credit Union
6100 I-40 WEST
AMARILLO, TX 79106
* $ 297,749,000 9 $ 235,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 9 $ 1,425,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 8 $ 1,640,000
Focusone Mortgage, LLC
9601 JONES RD STE 108
HOUSTON, TX 77065
* $ -1,000 8 $ 950,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 8 $ 1,270,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 8 $ 1,560,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 7 $ 465,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 7 $ 1,075,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 6 $ 780,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 650,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 885,000
Education Credit Union
4400 INTERSTATE 40 WEST
AMARILLO, TX 79106
* $ 372,922,000 5 $ 565,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 5 $ 1,115,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 5 $ 695,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 5 $ 655,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 5 $ 665,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 3,832,697,000 4 $ 60,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 4 $ 710,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 340,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 4 $ 430,000
Tdecu
2000 POST OAK BLVD. STE. 2100
HOUSTON, TX 77056
* $ 4,542,185,000 3 $ 485,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 405,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 3 $ 485,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 375,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 495,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 3 $ 735,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 3 $ 305,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 3 $ 365,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 315,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 625,000
American Momentum Bank
4830 W. KENNEDY BLVD. SUITE 200
COLLEGE STATION, TX 77845
* $ 2,777,617,000 2 $ 460,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 270,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 2 $ 550,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 390,000
Premier Lending Inc.

CHARLOTTE, NC 28277
* $ -1,000 2 $ 250,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 2 $ 250,000
Texas Tech Federal Credit Union
4005 98TH STREET
LUBBOCK, TX 79409
* $ 330,402,000 1 $ 95,000
Access Community Credit Union
6401 BELL ST.
AMARILLO, TX 79114
* $ 156,272,000 1 $ 225,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 75,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 105,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 1 $ 185,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 1 $ 125,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 1 $ 75,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ 4,410,685,000 1 $ 545,000
Consumers Credit Union
1075 TRI STATE PARKWAY STE 850
GURNEE, IL 60031
* $ 2,946,745,000 1 $ 95,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ -1,000 1 $ 85,000
Firstcapital Bank of Texas, National Association
3900 S. SONCY RD
AMARILLO, TX 79119
* $ 2,041,502,000 1 $ 75,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 75,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 25,000
Universal Lending Corporation
6430 S FIDDLERS GREEN CIR STE 460
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 115,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,206,869,000 1 $ 65,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 105,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 65,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 165,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 1,000,660,000 1 $ 145,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 155,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 75,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 1 $ 135,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 145,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 335,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ -1,000 1 $ 225,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 55,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 1 $ 255,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 195,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 348,453,000 1 $ 65,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 125,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 155,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 275,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 315,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 15,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 1 $ 415,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 1 $ 85,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 55,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 37,833,980,000 1 $ 225,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 125,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 85,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 1 $ 115,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 1 $ 165,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ -1,000 1 $ 335,000
Trinity Oaks Mortgage
204A N I35E
RED OAK, TX 75154
* $ -1,000 1 $ 305,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 205,000
First United Bank
5802 4TH STREET
LUBBOCK, TX 79416
* $ 2,006,835,000 1 $ 165,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 65,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 155,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 55,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 195,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 55,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 5,652,968,000 1 $ 165,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 25,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 65,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 125,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 125,000

The tables below break down 2022 mortgage applications in Gray 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 Gray County, TX in 2022

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 436 $65,700,000 $150,000 $3,505,000 $81,000 $816,000
Refinancing 59 $6,915,000 $117,000 $375,000 $76,000 $337,000
Cash-out Refinancing 54 $6,920,000 $128,000 $345,000 $77,000 $218,000
Other Purpose 24 $1,760,000 $73,000 $545,000 $129,000 $1,437,000
Home Improvement 21 $1,845,000 $87,000 $755,000 $76,000 $298,000
Not Applicable 3 $145,000 $48,000 $65,000 $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 311 $41,375,000 $133,000 $545,000 $84,000 $1,437,000
Not applicable 133 $23,005,000 $172,000 $3,505,000 $86,000 $244,000
Hispanic 73 $8,515,000 $116,000 $405,000 $61,000 $180,000
Not Provided 61 $8,775,000 $143,000 $415,000 $103,000 $816,000
Black or African American 8 $740,000 $92,000 $185,000 $83,000 $130,000
American Indian or Alaskan Native 8 $500,000 $62,000 $165,000 $75,000 $176,000
Asian 3 $375,000 $125,000 $185,000 $43,000 $47,000
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) 377 $52,605,000 $139,000 $3,505,000 $87,000 $1,437,000
FHA-insured (Federal Housing Administration) 131 $16,595,000 $126,000 $295,000 $72,000 $816,000
VA-guaranteed (Veterans Administration) 65 $11,445,000 $176,000 $345,000 $79,000 $165,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 24 $2,640,000 $110,000 $155,000 $48,000 $65,000

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 295 $44,635,000 $151,000 $3,505,000 $88,000 $1,437,000
Loan Purchased By The Institution 112 $15,370,000 $137,000 $345,000 $85,000 $244,000
Application Denied By Financial Institution 86 $9,930,000 $115,000 $345,000 $67,000 $337,000
Application Withdrawn By Applicant 62 $7,710,000 $124,000 $345,000 $79,000 $816,000
File Closed For Incompleteness 21 $2,645,000 $125,000 $315,000 $80,000 $185,000
Application Approved But Not Accepted 17 $2,485,000 $146,000 $405,000 $81,000 $154,000
Preapproval Approved but not Accepted 3 $375,000 $125,000 $205,000 $139,000 $180,000
Preapproval Denied by Financial Institution 1 $135,000 $135,000 $135,000 $97,000 $97,000

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 509 $73,145,000 $143,000 $3,505,000 $86,000 $1,437,000
Credit History 35 $3,215,000 $91,000 $275,000 $70,000 $337,000
Debt-To-Income Ratio 18 $1,800,000 $100,000 $265,000 $41,000 $100,000
Collateral 15 $2,375,000 $158,000 $345,000 $90,000 $218,000
Other 6 $600,000 $100,000 $165,000 $46,000 $76,000
Credit Application Incomplete 5 $475,000 $95,000 $155,000 $78,000 $160,000
Unverifiable Information 3 $465,000 $155,000 $295,000 $78,000 $120,000
Employment History 3 $485,000 $161,000 $235,000 $75,000 $108,000
Insufficient Cash (Downpayment, Closing Cost) 2 $420,000 $210,000 $245,000 $73,000 $96,000
Mortgage Insurance Denied 1 $305,000 $305,000 $305,000 $116,000 $116,000

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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