Gray County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 509 mortgage applications in Gray County, TX totaling $64.1 million, down 15% from 2022. The average application was for $125,000, and applicants reported an average income of $93,000. 44% of applications resulted in an originated loan and 16% were denied. The most active lender was Firstbank Southwest, with 59 applications, followed by Eustis Mortgage Corp and 21st Mortgage.
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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 | 509 |
| Total Mortgage Loan Application Amount | $64,105,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $588,000 |
* 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 |
|---|---|---|---|---|
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 1,573,379,000 | 59 | $ 5,795,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ -1,000 | 39 | $ 5,195,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 38 | $ 4,990,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 32 | $ 1,980,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 8,454,890,000 | 27 | $ 2,255,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 19 | $ 2,315,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 18 | $ 3,520,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 22,808,174,000 | 18 | $ 1,890,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 15 | $ 2,245,000 |
| Htlf Bank 1800 LARIMER ST #1800 DENVER, CO 80202 |
* | $ 9,178,296,000 | 12 | $ 1,270,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 11 | $ 1,215,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 10 | $ 1,670,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 1,500,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 8 | $ 970,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 8 | $ 960,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 6 | $ 630,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 6 | $ 770,000 |
| Acfcu Federal Credit Union 6100 I-40 WEST AMARILLO, TX 79106 |
* | $ 347,612,000 | 6 | $ 290,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 465,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 785,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 4 | $ 350,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 4 | $ 330,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 4 | $ 810,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 4 | $ 650,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 4 | $ 580,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 480,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 880,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 4 | $ 620,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 342,115,000 | 4 | $ 340,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 475,000 |
| Education Credit Union 4400 INTERSTATE 40 WEST AMARILLO, TX 79106 |
* | $ 421,778,000 | 3 | $ 335,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 385,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 315,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 3 | $ 405,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 3 | $ 235,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 455,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 705,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 510,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 410,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 240,000 |
| Focusone Mortgage, LLC 9601 JONES RD STE 108 HOUSTON, TX 77065 |
* | $ -1,000 | 2 | $ 160,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 270,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 471,040,000 | 2 | $ 150,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 90,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 2 | $ 210,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 4,701,298,000 | 2 | $ 170,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ -1,000 | 2 | $ 220,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 3,944,563,000 | 2 | $ 260,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 2,146,467,000 | 2 | $ 380,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 37,695,970,000 | 2 | $ 90,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 2 | $ 80,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 280,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 140,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 2 | $ 170,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 2 | $ 350,000 |
| Plains Land Bank, Flca 5625 FULTON DR AMARILLO, TX 79101 |
* | $ -1,000 | 2 | $ 960,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 135,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 12,922,116,000 | 1 | $ 525,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ -1,000 | 1 | $ 85,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 2,413,243,000 | 1 | $ 55,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 135,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 75,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 115,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 185,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 1 | $ 145,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 85,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ -1,000 | 1 | $ 115,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 175,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 185,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 85,000 |
| Access Community Credit Union 6401 BELL ST. AMARILLO, TX 79114 |
* | $ 197,909,000 | 1 | $ 105,000 |
| Texas Mortgage Lending, LLC 12515 RESEARCH BLVD BUILDING 5 AUSTIN, TX 78759 |
* | $ -1,000 | 1 | $ 365,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 125,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ -1,000 | 1 | $ 145,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 385,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 115,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 1 | $ 145,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,765,448,000 | 1 | $ 195,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 115,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 4,976,744,000 | 1 | $ 215,000 |
| Greater Texas FCU 1180 AIRPORT BLVD AUSTIN, TX 78727 |
* | $ 971,267,000 | 1 | $ 35,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 505,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 155,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 135,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 1 | $ 285,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 345,000 |
| Alliance Credit Union 8401 QUAKER AVE LUBBOCK, TX 79424 |
* | $ 489,908,000 | 1 | $ 195,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ -1,000 | 1 | $ 215,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 15,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 285,000 |
The tables below break down 2023 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 2023
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 | 398 | $53,370,000 | $134,000 | $525,000 | $91,000 | $495,000 |
| Cash-out Refinancing | 35 | $3,435,000 | $98,000 | $355,000 | $88,000 | $208,000 |
| Refinancing | 35 | $4,075,000 | $116,000 | $415,000 | $110,000 | $588,000 |
| Other Purpose | 21 | $1,595,000 | $75,000 | $655,000 | $126,000 | $570,000 |
| Home Improvement | 17 | $1,395,000 | $82,000 | $255,000 | $79,000 | $190,000 |
| Not Applicable | 3 | $235,000 | $78,000 | $115,000 | $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 | 273 | $35,155,000 | $128,000 | $655,000 | $95,000 | $588,000 |
| Not applicable | 102 | $11,690,000 | $114,000 | $525,000 | $37,000 | $37,000 |
| Hispanic | 64 | $8,230,000 | $128,000 | $415,000 | $95,000 | $302,000 |
| Not Provided | 58 | $7,820,000 | $134,000 | $505,000 | $89,000 | $272,000 |
| Black or African American | 7 | $775,000 | $110,000 | $135,000 | $82,000 | $143,000 |
| American Indian or Alaskan Native | 4 | $410,000 | $102,000 | $155,000 | $66,000 | $102,000 |
| Asian | 1 | $25,000 | $25,000 | $25,000 | $28,000 | $28,000 |
| 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) | 328 | $38,380,000 | $117,000 | $655,000 | $100,000 | $588,000 |
| FHA-insured (Federal Housing Administration) | 134 | $17,960,000 | $134,000 | $385,000 | $78,000 | $297,000 |
| VA-guaranteed (Veterans Administration) | 29 | $5,075,000 | $175,000 | $345,000 | $85,000 | $168,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,690,000 | $149,000 | $195,000 | $68,000 | $89,000 |
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 | 225 | $30,455,000 | $135,000 | $655,000 | $96,000 | $588,000 |
| Loan Purchased By The Institution | 89 | $10,505,000 | $118,000 | $415,000 | $81,000 | $122,000 |
| Application Denied By Financial Institution | 80 | $9,230,000 | $115,000 | $385,000 | $82,000 | $390,000 |
| Application Withdrawn By Applicant | 57 | $7,765,000 | $136,000 | $505,000 | $102,000 | $495,000 |
| File Closed For Incompleteness | 35 | $3,935,000 | $112,000 | $225,000 | $79,000 | $240,000 |
| Application Approved But Not Accepted | 23 | $2,215,000 | $96,000 | $305,000 | $107,000 | $468,000 |
| 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 | 378 | $49,460,000 | $130,000 | $655,000 | $93,000 | $570,000 |
| Debt-To-Income Ratio | 71 | $7,595,000 | $106,000 | $405,000 | $96,000 | $588,000 |
| Credit History | 30 | $3,950,000 | $131,000 | $225,000 | $111,000 | $390,000 |
| Collateral | 9 | $1,005,000 | $111,000 | $355,000 | $73,000 | $133,000 |
| Credit Application Incomplete | 8 | $780,000 | $97,000 | $205,000 | $74,000 | $190,000 |
| Other | 5 | $455,000 | $91,000 | $165,000 | $80,000 | $131,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $535,000 | $107,000 | $185,000 | $51,000 | $84,000 |
| Unverifiable Information | 2 | $210,000 | $105,000 | $115,000 | $61,000 | $75,000 |
| Mortgage Insurance Denied | 1 | $115,000 | $115,000 | $115,000 | $64,000 | $64,000 |
| 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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