Kent County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 16 mortgage applications in Kent County, TX totaling $2.7 million, up 14% from 2023. The average application was for $168,000, and applicants reported an average income of $149,000. 38% of applications resulted in an originated loan and 19% were denied. The most active lender was 21st Mortgage, with 3 applications, followed by Credit Human Federal Credit Un and City 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 | 16 |
| Total Mortgage Loan Application Amount | $2,700,000 |
| Average Mortgage Loan Application Amount | $168,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $149,000 |
| Highest Applicant Income | $315,000 |
Top Mortgage Lenders in Kent County, TX (2024)
Ranked by the number of mortgage applications each lender reported in Kent County, TX in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | 21st Mortgage Knoxville, TN |
3 | $255,000 | $85,000 | $106,000 |
| 2 | Credit Human Federal Credit Un San Antonio, TX |
3 | $425,000 | $141,000 | $81,000 |
| 3 | City Bank Lubbock, TX |
2 | $470,000 | $235,000 | $226,000 |
| 4 | Better Mortgage Corporation New York, NY |
2 | $330,000 | $165,000 | $234,000 |
| 5 | Countryplace Mortgage, Ltd. Plano, TX |
1 | $175,000 | $175,000 | $155,000 |
| 6 | Amarillo National Bank Amarillo, TX |
1 | $355,000 | $355,000 | $225,000 |
| 7 | Fairway Independent Mort Corp Madison, WI |
1 | $315,000 | $315,000 | $194,000 |
| 8 | Abilene Teachers FCU Abilene, TX |
1 | $55,000 | $55,000 | $35,000 |
| 9 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
1 | $115,000 | $115,000 | $98,000 |
| 10 | Newrez LLC Fort Washington, PA |
1 | $205,000 | $205,000 | $0 |
The tables below break down 2024 mortgage applications in Kent 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 Kent 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 | 15 | $2,645,000 | $176,000 | $355,000 | $157,000 | $315,000 |
| Cash-out Refinancing | 1 | $55,000 | $55,000 | $55,000 | $35,000 | $35,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 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 | 7 | $1,285,000 | $183,000 | $265,000 | $150,000 | $315,000 |
| Not Provided | 3 | $445,000 | $148,000 | $315,000 | $101,000 | $194,000 |
| Not applicable | 2 | $230,000 | $115,000 | $205,000 | $0 | $0 |
| Black or African American | 2 | $330,000 | $165,000 | $165,000 | $234,000 | $255,000 |
| Hispanic | 2 | $410,000 | $205,000 | $355,000 | $130,000 | $225,000 |
| 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) | 14 | $2,290,000 | $163,000 | $355,000 | $149,000 | $315,000 |
| FHA-insured (Federal Housing Administration) | 2 | $410,000 | $205,000 | $205,000 | $138,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 6 | $1,360,000 | $226,000 | $355,000 | $186,000 | $315,000 |
| Application Denied By Financial Institution | 3 | $355,000 | $118,000 | $165,000 | $136,000 | $255,000 |
| Application Withdrawn By Applicant | 2 | $350,000 | $175,000 | $175,000 | $91,000 | $155,000 |
| Application Approved But Not Accepted | 2 | $230,000 | $115,000 | $175,000 | $108,000 | $162,000 |
| Loan Purchased By The Institution | 2 | $230,000 | $115,000 | $205,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $158,000 | $158,000 |
| 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 | 13 | $2,345,000 | $180,000 | $355,000 | $152,000 | $315,000 |
| Credit History | 2 | $190,000 | $95,000 | $115,000 | $77,000 | $98,000 |
| Debt-To-Income Ratio | 1 | $165,000 | $165,000 | $165,000 | $255,000 | $255,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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