Hardeman County, TX Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 36 mortgage applications in Hardeman County, TX totaling $4.9 million, up 3% from 2019. The average application was for $137,000, and applicants reported an average income of $90,000. 33% of applications resulted in an originated loan and 39% were denied. The most active lender was 21st Mortgage, with 6 applications, followed by Wells Fargo Bank NA 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 | 36 |
| Total Mortgage Loan Application Amount | $4,940,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $328,000 |
| 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 | 6 | $ 510,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 3 | $ 845,000 |
| Waggoner National Bank 1818 TEXAS ST VERNON, TX 76384 |
* | $ 295,292,000 | 3 | $ 105,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 885,101,000 | 3 | $ 845,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 3 | $ 615,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 65,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ 372,925,000 | 1 | $ 35,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 75,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 105,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 1 | $ 115,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 115,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 135,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 1 | $ 205,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 35,000 |
The tables below break down 2020 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 2020
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 | 23 | $3,195,000 | $138,000 | $305,000 | $85,000 | $192,000 |
| Refinancing | 9 | $1,065,000 | $118,000 | $355,000 | $62,000 | $147,000 |
| Cash-out Refinancing | 3 | $645,000 | $215,000 | $265,000 | $170,000 | $328,000 |
| Home Improvement | 1 | $35,000 | $35,000 | $35,000 | $77,000 | $77,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 24 | $3,980,000 | $165,000 | $355,000 | $100,000 | $328,000 |
| Hispanic | 6 | $490,000 | $81,000 | $145,000 | $56,000 | $85,000 |
| Not Provided | 4 | $340,000 | $85,000 | $105,000 | $75,000 | $100,000 |
| Black or African American | 2 | $130,000 | $65,000 | $65,000 | $52,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 25 | $3,925,000 | $157,000 | $355,000 | $100,000 | $328,000 |
| VA-guaranteed (Veterans Administration) | 8 | $820,000 | $102,000 | $135,000 | $56,000 | $100,000 |
| FHA-insured (Federal Housing Administration) | 3 | $195,000 | $65,000 | $75,000 | $53,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 14 | $1,660,000 | $118,000 | $355,000 | $71,000 | $147,000 |
| Loan Originated | 12 | $1,650,000 | $137,000 | $305,000 | $92,000 | $192,000 |
| Application Withdrawn By Applicant | 6 | $1,260,000 | $210,000 | $295,000 | $153,000 | $328,000 |
| File Closed For Incompleteness | 3 | $265,000 | $88,000 | $115,000 | $30,000 | $50,000 |
| Application Approved But Not Accepted | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Loan Purchased By The Institution | 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 | $3,280,000 | $149,000 | $305,000 | $102,000 | $328,000 |
| Debt-To-Income Ratio | 6 | $790,000 | $131,000 | $275,000 | $67,000 | $94,000 |
| Credit History | 3 | $185,000 | $61,000 | $115,000 | $27,000 | $39,000 |
| Collateral | 2 | $430,000 | $215,000 | $355,000 | $104,000 | $147,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Other | 1 | $135,000 | $135,000 | $135,000 | $90,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $100,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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