Hardeman County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 67 mortgage applications in Hardeman County, TX totaling $10.7 million, down 26% from 2024. The average application was for $160,000, and applicants reported an average income of $106,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was First Capital Bank, with 17 applications, followed by American National Bank & Trust 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 | 67 |
| Total Mortgage Loan Application Amount | $10,745,000 |
| Average Mortgage Loan Application Amount | $160,000 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $647,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Capital Bank 5030 STONE LAKE DR WICHITA FALLS, TX 76310 |
* | $ n/a | 17 | $ 1,835,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ n/a | 5 | $ 855,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 585,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 430,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 405,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 495,000 |
| Waggoner National Bank 1818 TEXAS ST VERNON, TX 76384 |
* | $ n/a | 2 | $ 3,060,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 230,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 190,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 120,000 |
| Texas Republic Bank, N.A. 2595 PRESTON RD, SUITE 100 FRISCO, TX 75034 |
* | $ n/a | 2 | $ 70,000 |
| Directions Equity, LLC 2915 W BITTERS RD #102 SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 145,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 115,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 125,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 125,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ n/a | 1 | $ 95,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 45,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ n/a | 1 | $ 125,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 275,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 75,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 65,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 275,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 1 | $ 25,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 125,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 195,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 105,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2025 mortgage applications in Hardeman 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 Hardeman County, TX in 2025
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 | 37 | $4,805,000 | $129,000 | $275,000 | $108,000 | $647,000 |
| Cash-out Refinancing | 14 | $1,600,000 | $114,000 | $195,000 | $100,000 | $156,000 |
| Other Purpose | 6 | $3,520,000 | $586,000 | $3,005,000 | $157,000 | $304,000 |
| Refinancing | 6 | $600,000 | $100,000 | $245,000 | $75,000 | $116,000 |
| Home Improvement | 4 | $220,000 | $55,000 | $115,000 | $73,000 | $137,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 51 | $8,795,000 | $172,000 | $3,005,000 | $113,000 | $647,000 |
| Hispanic | 9 | $985,000 | $109,000 | $195,000 | $68,000 | $114,000 |
| Not applicable | 4 | $660,000 | $165,000 | $275,000 | $0 | $0 |
| Not Provided | 2 | $230,000 | $115,000 | $145,000 | $96,000 | $122,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $132,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 53 | $8,625,000 | $162,000 | $3,005,000 | $112,000 | $647,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,290,000 | $161,000 | $275,000 | $53,000 | $81,000 |
| FHA-insured (Federal Housing Administration) | 6 | $830,000 | $138,000 | $275,000 | $90,000 | $155,000 |
| 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 | 36 | $7,060,000 | $196,000 | $3,005,000 | $128,000 | $647,000 |
| Application Denied By Financial Institution | 14 | $1,510,000 | $107,000 | $245,000 | $71,000 | $130,000 |
| Application Approved But Not Accepted | 5 | $595,000 | $119,000 | $175,000 | $49,000 | $82,000 |
| File Closed For Incompleteness | 5 | $505,000 | $101,000 | $165,000 | $78,000 | $131,000 |
| Loan Purchased By The Institution | 4 | $660,000 | $165,000 | $275,000 | $0 | $0 |
| Application Withdrawn By Applicant | 3 | $415,000 | $138,000 | $275,000 | $153,000 | $204,000 |
| 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 | 38 | $7,510,000 | $197,000 | $3,005,000 | $108,000 | $647,000 |
| Debt-To-Income Ratio | 23 | $2,685,000 | $116,000 | $255,000 | $111,000 | $304,000 |
| Collateral | 3 | $185,000 | $61,000 | $95,000 | $67,000 | $82,000 |
| Credit History | 2 | $220,000 | $110,000 | $145,000 | $74,000 | $114,000 |
| Unverifiable Information | 1 | $145,000 | $145,000 | $145,000 | $122,000 | $122,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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