Knox County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 64 mortgage applications in Knox County, TX totaling $7.7 million, down 19% from 2024. The average application was for $120,000, and applicants reported an average income of $90,000. 47% of applications resulted in an originated loan and 19% were denied. The most active lender was First National Bank and Trust, with 5 applications, followed by Abilene Teachers FCU and American National Bank & Trust.
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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 | 64 |
| Total Mortgage Loan Application Amount | $7,700,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $600,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First National Bank and Trust 220 PALO PINTO ST WEATHERFORD, TX 76086 |
* | $ n/a | 5 | $ 385,000 |
| Abilene Teachers FCU P.O. BOX 5706 ABILENE, TX 79606 |
* | $ n/a | 3 | $ 255,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ n/a | 3 | $ 255,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 3 | $ 325,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 345,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 395,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 3 | $ 255,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 120,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 2 | $ 140,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 2 | $ 300,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 105,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 35,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 75,000 |
| Foundation Mortgage Corporation 1680 MICHIGAN AVE SUITE 700 MIAMI BEACH, FL 33139 |
* | $ n/a | 1 | $ 295,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 175,000 |
| Cv3 Financial Services, LLC 2101 E EL SEGUNDO BLVD SUITE #203 EL SEGUNDO, CA 90245 |
* | $ n/a | 1 | $ 295,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 295,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 75,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 45,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 95,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 105,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 5,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 1 | $ 185,000 |
| Austin Bank, Texas National Association PO BOX 1537 JACKSONVILLE, TX 75766 |
* | $ n/a | 1 | $ 485,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 245,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 85,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ n/a | 1 | $ 305,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 105,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 1 | $ 145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 95,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ n/a | 1 | $ 105,000 |
| Pike Creek Mortgage Services, Inc. 2100 DRUMMOND PLAZA NEWARK, DE 19711 |
* | $ n/a | 1 | $ 165,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 65,000 |
| Western Bank 5701 82ND ST LUBBOCK, TX 79401 |
* | $ n/a | 1 | $ 55,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 425,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 1 | $ 35,000 |
The tables below break down 2025 mortgage applications in Knox 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 Knox 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 | 38 | $4,480,000 | $117,000 | $485,000 | $102,000 | $600,000 |
| Cash-out Refinancing | 17 | $2,035,000 | $119,000 | $295,000 | $73,000 | $166,000 |
| Other Purpose | 5 | $305,000 | $61,000 | $75,000 | $72,000 | $115,000 |
| Refinancing | 2 | $590,000 | $295,000 | $295,000 | $0 | $0 |
| Home Improvement | 2 | $290,000 | $145,000 | $185,000 | $48,000 | $71,000 |
| 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 | 33 | $3,865,000 | $117,000 | $485,000 | $112,000 | $600,000 |
| Hispanic | 19 | $2,445,000 | $128,000 | $295,000 | $57,000 | $148,000 |
| Not Provided | 8 | $790,000 | $98,000 | $185,000 | $77,000 | $115,000 |
| Not applicable | 2 | $330,000 | $165,000 | $295,000 | $23,000 | $23,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $49,000 | $49,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $126,000 | $126,000 |
| 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) | 56 | $6,930,000 | $123,000 | $485,000 | $94,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 4 | $380,000 | $95,000 | $115,000 | $65,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 3 | $285,000 | $95,000 | $95,000 | $57,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $105,000 | $105,000 | $105,000 | $69,000 | $69,000 |
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 | 30 | $3,690,000 | $123,000 | $485,000 | $107,000 | $413,000 |
| Application Withdrawn By Applicant | 13 | $1,765,000 | $135,000 | $295,000 | $112,000 | $600,000 |
| Application Denied By Financial Institution | 12 | $1,330,000 | $110,000 | $295,000 | $44,000 | $83,000 |
| File Closed For Incompleteness | 5 | $585,000 | $117,000 | $155,000 | $64,000 | $117,000 |
| Application Approved But Not Accepted | 3 | $295,000 | $98,000 | $135,000 | $76,000 | $107,000 |
| Loan Purchased By The Institution | 1 | $35,000 | $35,000 | $35,000 | $23,000 | $23,000 |
| 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 | 52 | $6,370,000 | $122,000 | $485,000 | $100,000 | $600,000 |
| Debt-To-Income Ratio | 3 | $255,000 | $85,000 | $105,000 | $39,000 | $56,000 |
| Other | 2 | $290,000 | $145,000 | $185,000 | $27,000 | $28,000 |
| Unverifiable Information | 2 | $130,000 | $65,000 | $65,000 | $34,000 | $42,000 |
| Credit History | 2 | $230,000 | $115,000 | $175,000 | $66,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $40,000 | $40,000 |
| Collateral | 1 | $295,000 | $295,000 | $295,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $71,000 | $71,000 |
| Employment History | 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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