Hall County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 36 mortgage applications in Hall County, TX totaling $2.7 million, down 47% from 2023. The average application was for $75,000, and applicants reported an average income of $67,000. 31% of applications resulted in an originated loan and 22% were denied. The most active lender was Centennial Bank, with 8 applications, followed by 21st Mortgage and Amarillo National 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 | 36 |
| Total Mortgage Loan Application Amount | $2,710,000 |
| Average Mortgage Loan Application Amount | $75,000 |
| Highest Mortgage Loan Application Amount | $175,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $192,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 8 | $ 290,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 335,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ n/a | 3 | $ 125,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 355,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 180,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 125,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ n/a | 1 | $ 25,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ n/a | 1 | $ 125,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ n/a | 1 | $ 105,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 135,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 125,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 65,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 85,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 125,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ n/a | 1 | $ 55,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 95,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 55,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ n/a | 1 | $ 125,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2024 mortgage applications in Hall 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 Hall 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 | 20 | $1,540,000 | $77,000 | $175,000 | $63,000 | $192,000 |
| Other Purpose | 7 | $355,000 | $50,000 | $125,000 | $72,000 | $108,000 |
| Refinancing | 4 | $390,000 | $97,000 | $135,000 | $55,000 | $65,000 |
| Cash-out Refinancing | 3 | $315,000 | $105,000 | $125,000 | $77,000 | $102,000 |
| Home Improvement | 1 | $65,000 | $65,000 | $65,000 | $147,000 | $147,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $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 | 22 | $1,770,000 | $80,000 | $175,000 | $68,000 | $192,000 |
| Hispanic | 5 | $145,000 | $29,000 | $45,000 | $52,000 | $99,000 |
| Not applicable | 4 | $390,000 | $97,000 | $165,000 | $0 | $0 |
| Black or African American | 2 | $150,000 | $75,000 | $125,000 | $64,000 | $108,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $105,000 | $47,000 | $54,000 |
| Not Provided | 1 | $95,000 | $95,000 | $95,000 | $162,000 | $162,000 |
| 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) | 29 | $2,185,000 | $75,000 | $175,000 | $70,000 | $192,000 |
| FHA-insured (Federal Housing Administration) | 4 | $260,000 | $65,000 | $105,000 | $52,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 3 | $265,000 | $88,000 | $135,000 | $43,000 | $43,000 |
| 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 | 11 | $815,000 | $74,000 | $135,000 | $66,000 | $108,000 |
| Application Denied By Financial Institution | 8 | $520,000 | $65,000 | $105,000 | $43,000 | $61,000 |
| Application Withdrawn By Applicant | 6 | $440,000 | $73,000 | $125,000 | $100,000 | $192,000 |
| File Closed For Incompleteness | 5 | $365,000 | $73,000 | $175,000 | $51,000 | $96,000 |
| Loan Purchased By The Institution | 4 | $390,000 | $97,000 | $165,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $95,000 | $95,000 | $95,000 | $162,000 | $162,000 |
| Preapproval Denied by Financial Institution | 1 | $85,000 | $85,000 | $85,000 | $43,000 | $43,000 |
| Preapproval Approved but not Accepted | 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 | 25 | $2,025,000 | $81,000 | $175,000 | $79,000 | $192,000 |
| Credit History | 5 | $315,000 | $63,000 | $95,000 | $38,000 | $46,000 |
| Debt-To-Income Ratio | 3 | $125,000 | $41,000 | $55,000 | $45,000 | $48,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $37,000 | $37,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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