Hardeman County, TX Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 35 mortgage applications in Hardeman County, TX totaling $2.4 million, down 29% from 2018. The average application was for $67,000, and applicants reported an average income of $111,000. 37% of applications resulted in an originated loan and 37% were denied. The most active lender was 21st Mortgage, with 7 applications, followed by American National Bank & Trust and Waggoner 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 | 35 |
| Total Mortgage Loan Application Amount | $2,375,000 |
| Average Mortgage Loan Application Amount | $67,000 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $111,000 |
| Highest Applicant Income | $1,540,000 |
| 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 |
* | $ -1,000 | 7 | $ 425,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 732,343,000 | 6 | $ 450,000 |
| Waggoner National Bank 1818 TEXAS ST VERNON, TX 76384 |
* | $ 294,284,000 | 2 | $ 40,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 45,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 75,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,011,136,000 | 1 | $ 35,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ -1,000 | 1 | $ 105,000 |
| Texoma Community Credit Union PO BOX 1320 WICHITA FALLS, TX 76308 |
* | $ 156,992,000 | 1 | $ 35,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 45,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 185,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 55,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 1 | $ 45,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 1 | $ 105,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 65,000 |
| Texas Republic Bank, N.A. 2595 PRESTON RD, SUITE 100 FRISCO, TX 75034 |
* | $ 256,468,000 | 1 | $ 15,000 |
The tables below break down 2019 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 2019
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 | 22 | $1,700,000 | $77,000 | $205,000 | $133,000 | $1,540,000 |
| Cash-out Refinancing | 6 | $360,000 | $60,000 | $105,000 | $83,000 | $139,000 |
| Home Improvement | 3 | $145,000 | $48,000 | $75,000 | $75,000 | $140,000 |
| Other Purpose | 2 | $90,000 | $45,000 | $75,000 | $95,000 | $108,000 |
| Refinancing | 1 | $35,000 | $35,000 | $35,000 | $4,000 | $4,000 |
| 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 | 21 | $1,405,000 | $66,000 | $185,000 | $150,000 | $1,540,000 |
| Not Provided | 5 | $435,000 | $87,000 | $205,000 | $53,000 | $90,000 |
| Hispanic | 4 | $190,000 | $47,000 | $75,000 | $54,000 | $109,000 |
| Black or African American | 3 | $195,000 | $65,000 | $85,000 | $29,000 | $32,000 |
| Not applicable | 2 | $150,000 | $75,000 | $105,000 | $0 | $0 |
| 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) | 26 | $1,660,000 | $63,000 | $205,000 | $124,000 | $1,540,000 |
| FHA-insured (Federal Housing Administration) | 3 | $245,000 | $81,000 | $105,000 | $47,000 | $56,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $125,000 | $41,000 | $45,000 | $54,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 3 | $345,000 | $115,000 | $185,000 | $90,000 | $94,000 |
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 | 13 | $915,000 | $70,000 | $185,000 | $74,000 | $139,000 |
| Application Denied By Financial Institution | 13 | $925,000 | $71,000 | $205,000 | $178,000 | $1,540,000 |
| Application Withdrawn By Applicant | 4 | $130,000 | $32,000 | $45,000 | $33,000 | $64,000 |
| Loan Purchased By The Institution | 3 | $215,000 | $71,000 | $105,000 | $43,000 | $43,000 |
| File Closed For Incompleteness | 2 | $190,000 | $95,000 | $105,000 | $70,000 | $86,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 22 | $1,450,000 | $65,000 | $185,000 | $66,000 | $139,000 |
| Credit History | 6 | $320,000 | $53,000 | $85,000 | $40,000 | $57,000 |
| Collateral | 2 | $240,000 | $120,000 | $205,000 | $66,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $180,000 | $90,000 | $135,000 | $831,000 | $1,540,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $87,000 | $87,000 |
| Debt-To-Income Ratio | 1 | $75,000 | $75,000 | $75,000 | $140,000 | $140,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $60,000 | $60,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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