Lee County, TX Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 698 mortgage applications in Lee County, TX totaling $150.3 million, down 14% from 2021. The average application was for $215,000, and applicants reported an average income of $103,000. 42% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 68 applications, followed by Classic Bank, National Association and Vanderbilt Mortgage and Finance, Inc.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Texas.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 698
Total Mortgage Loan Application Amount $150,330,000
Average Mortgage Loan Application Amount $215,000
Highest Mortgage Loan Application Amount $1,565,000
Average Applicant Income $103,000
Highest Applicant Income $896,000

Mortgage Company List for Lending in Lee County, TX for 2022

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
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 68 $ 8,260,000
Classic Bank, National Association
P.O. BOX 835
CAMERON, TX 76520
* $ 574,695,000 42 $ 11,600,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 34 $ 4,000,000
Round Top State Bank
301 N WASHINGTON
ROUND TOP, TX 78954
* $ 823,785,000 27 $ 4,625,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 24 $ 2,970,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 24 $ 3,430,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 16 $ 3,820,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 37,833,980,000 15 $ 2,665,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 13 $ 2,195,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 12 $ 2,950,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 11 $ 2,565,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 10 $ 3,470,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 10 $ 2,590,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 9 $ 2,375,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 9 $ 2,345,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 3,285,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 9 $ 805,000
Frontier Bank of Texas
1213 HWY 290 E
ELGIN, TX 78621
* $ 600,003,000 8 $ 1,700,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 8 $ 1,240,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 2,080,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 1,655,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 7 $ 2,235,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 7 $ 1,715,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 2,025,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,415,583,000 7 $ 945,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 7 $ 1,005,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 7 $ 1,265,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 14,773,617,000 7 $ 805,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,090,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 6 $ 1,140,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 6 $ 740,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 855,000
The First National Bank of Bas
489 HIGHWAY 71 WEST (PO DRAWER F)
BASTROP, TX 78602
* $ 891,512,000 5 $ 805,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 5 $ 595,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 5 $ 1,475,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 1,125,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 1,455,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 5 $ 1,475,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 5 $ 565,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 850,000
Citizens National Bank
118 S HOUSTON
CAMERON, TX 76520
* $ 610,261,000 4 $ 1,480,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 4 $ 1,270,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 4 $ 740,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 1,080,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 1,150,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 4 $ 790,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 10,485,573,000 4 $ 1,240,000
Citizens State Bank
PO BOX 518
SOMERVILLE, TX 77879
* $ 964,232,000 4 $ 490,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 4 $ 1,390,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 4 $ 970,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 1,140,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 4 $ 1,240,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 4 $ 1,130,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 3 $ 875,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 3 $ 685,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 565,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 3 $ 795,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 3 $ 965,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 795,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 3 $ 545,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 3 $ 845,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 3 $ 665,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 415,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 2 $ 780,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 410,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 220,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 47,665,560,000 2 $ 360,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 470,000
First Bank
300 E THRID
BURKBURNETT, TX 76359
* $ 608,695,000 2 $ 660,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 2 $ 300,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 2 $ 750,000
Southstar Bank SSB
100 S. MAIN
MOULTON, TX 77975
* $ 1,160,385,000 2 $ 1,060,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ 50,953,666,000 2 $ 260,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ 3,951,506,000 2 $ 390,000
America's Choice Home Loans LP
8584 KATY FREEWAY, STE 200
HOUSTON, TX 77024
* $ -1,000 2 $ 610,000
Aspire Financial, Inc.
4100 ALPHA ROAD SUITE 400
DALLAS, TX 75244
* $ -1,000 2 $ 420,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 2 $ 550,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 560,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 5,652,968,000 2 $ 550,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 950,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 390,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 2 $ 890,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 1 $ 125,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 185,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 1 $ 55,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 235,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ -1,000 1 $ 265,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 355,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 1 $ 205,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 1 $ 495,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 495,000
First Community Bank
416 N WATER ST
CORPUS CHRISTI, TX 78401
* $ 605,198,000 1 $ 305,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 13,062,060,000 1 $ 535,000
Credit Union of Texas
8131 LBJ FREEWAY, SUITE 500
ALLEN, TX 75013
* $ 1,770,503,000 1 $ 45,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 9,203,588,000 1 $ 55,000
Shell Federal Credit Union
301 E 13TH ST
DEER PARK, TX 77536
* $ 1,590,307,000 1 $ 45,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 205,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 105,000
Allegiance Bank
8727 W SAM HOUSTON PARKWAY N
HOUSTON, TX 77040
* $ 7,096,226,000 1 $ 495,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 1 $ 275,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 275,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 1 $ 325,000
Gulf Coast Educators Federal Credit Union
5953 FAIRMONT PARKWAY
PASADENA, TX 77505
* $ 1,243,783,000 1 $ 205,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 105,000
Waterstone Bank SSB
11200 WEST PLANK COURT
WAUWATOSA, WI 53226
* $ 2,209,533,000 1 $ 495,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 3,832,697,000 1 $ 55,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 195,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ -1,000 1 $ 675,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 155,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 1 $ 415,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 405,000
Verabank,N.A.
P.O. BOX 1009
HENDERSON, TX 75653
* $ 3,692,383,000 1 $ 685,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 465,000
Nexus Series B, LLC
2140 S DUPONT HWY
CAMDEN, DE 19934
* $ -1,000 1 $ 805,000
Jefferson Financial Federal Credit Union

BILOXI, MS 39531
* $ 847,141,000 1 $ 155,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 50,093,398,000 1 $ 135,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 855,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 145,000
Rb Mortgage LLC
ONE RANDOLPH BROOKS PARKWAY
LIVE OAK, TX 78233
* $ -1,000 1 $ 125,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 495,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 105,000
Colorado Federal Savings Bank
8400 E PRENTICE AVE STE 840
ENGLEWOOD, CO 80111
* $ 2,085,239,000 1 $ 215,000
Texas Health Credit Union
4800 GROVER AVE
AUSTIN, TX 78756
* $ 135,970,000 1 $ 85,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 205,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 1 $ 375,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ -1,000 1 $ 645,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 2,216,048,000 1 $ 255,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 265,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 1 $ 605,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 1 $ 275,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 125,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 1 $ 155,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 1 $ 185,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 395,000
Texas Mortgage Lending, LLC
12515 RESEARCH BLVD BUILDING 5
AUSTIN, TX 78759
* $ -1,000 1 $ 115,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 1 $ 245,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,423,533,000 1 $ 565,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 215,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 395,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 165,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ -1,000 1 $ 165,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 115,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 1 $ 55,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 1 $ 355,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 115,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 75,000

The tables below break down 2022 mortgage applications in Lee 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 Lee County, TX in 2022

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 435 $96,475,000 $221,000 $1,565,000 $102,000 $896,000
Cash-out Refinancing 123 $27,525,000 $223,000 $645,000 $96,000 $285,000
Refinancing 82 $19,050,000 $232,000 $705,000 $94,000 $320,000
Home Improvement 29 $2,805,000 $96,000 $235,000 $126,000 $264,000
Other Purpose 25 $3,325,000 $133,000 $655,000 $141,000 $606,000
Not Applicable 4 $1,150,000 $287,000 $805,000 $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 398 $88,250,000 $221,000 $1,085,000 $108,000 $896,000
Not Provided 104 $23,960,000 $230,000 $705,000 $106,000 $450,000
Hispanic 94 $16,710,000 $177,000 $675,000 $99,000 $324,000
Not applicable 49 $14,905,000 $304,000 $1,565,000 $187,000 $219,000
Black or African American 46 $5,300,000 $115,000 $305,000 $54,000 $103,000
American Indian or Alaskan Native 4 $620,000 $155,000 $365,000 $82,000 $199,000
Asian 3 $585,000 $195,000 $495,000 $100,000 $146,000
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) 588 $119,310,000 $202,000 $1,565,000 $105,000 $896,000
FHA-insured (Federal Housing Administration) 56 $14,490,000 $258,000 $415,000 $85,000 $177,000
VA-guaranteed (Veterans Administration) 46 $14,850,000 $322,000 $855,000 $95,000 $199,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,680,000 $210,000 $235,000 $74,000 $105,000

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 290 $68,130,000 $234,000 $1,565,000 $111,000 $896,000
Application Denied By Financial Institution 171 $28,355,000 $165,000 $1,085,000 $87,000 $606,000
Application Withdrawn By Applicant 75 $19,015,000 $253,000 $705,000 $102,000 $258,000
File Closed For Incompleteness 69 $12,375,000 $179,000 $615,000 $89,000 $450,000
Loan Purchased By The Institution 49 $13,285,000 $271,000 $855,000 $141,000 $219,000
Application Approved But Not Accepted 42 $8,870,000 $211,000 $775,000 $128,000 $480,000
Preapproval Approved but not Accepted 2 $300,000 $150,000 $205,000 $74,000 $96,000
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 487 $113,565,000 $233,000 $1,565,000 $107,000 $896,000
Debt-To-Income Ratio 81 $16,375,000 $202,000 $1,085,000 $96,000 $322,000
Credit History 71 $9,575,000 $134,000 $655,000 $76,000 $200,000
Credit Application Incomplete 19 $3,365,000 $177,000 $495,000 $189,000 $606,000
Collateral 14 $2,740,000 $195,000 $645,000 $106,000 $285,000
Other 11 $1,805,000 $164,000 $365,000 $106,000 $258,000
Unverifiable Information 11 $2,255,000 $205,000 $485,000 $81,000 $153,000
Employment History 2 $240,000 $120,000 $155,000 $17,000 $35,000
Insufficient Cash (Downpayment, Closing Cost) 2 $410,000 $205,000 $235,000 $144,000 $183,000
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.

Download the Texas Lender List