Menard County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 36 mortgage applications in Menard County, TX totaling $6.3 million, up 3% from 2022. The average application was for $173,000, and applicants reported an average income of $87,000. 36% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 6 applications, followed by Wells Fargo Bank NA and USAA Federal Savings 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 | $6,260,000 |
| Average Mortgage Loan Application Amount | $173,000 |
| Highest Mortgage Loan Application Amount | $1,675,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $253,000 |
| 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 | $ 660,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 4 | $ 380,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 190,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 490,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ -1,000 | 2 | $ 150,000 |
| Grandview Bank PO BOX 449 GRANDVIEW, TX 76050 |
* | $ 473,512,000 | 1 | $ 85,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 570,735,000 | 1 | $ 255,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 295,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 65,000 |
| Security State Bank & Trust 201 WEST MAIN STREET FREDERICKSBURG, TX 78624 |
* | $ 1,848,598,000 | 1 | $ 1,675,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 65,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ -1,000 | 1 | $ 195,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 55,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 105,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 1 | $ 205,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 125,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ 1,228,904,000 | 1 | $ 85,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 35,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 105,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ -1,000 | 1 | $ 75,000 |
| Pinnacle Bank PO BOX 676 FORT WORTH, TX 76102 |
* | $ 2,624,622,000 | 1 | $ 505,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 195,000 |
The tables below break down 2023 mortgage applications in Menard 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 Menard County, TX in 2023
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 | 26 | $3,670,000 | $141,000 | $505,000 | $98,000 | $253,000 |
| Other Purpose | 4 | $450,000 | $112,000 | $175,000 | $63,000 | $86,000 |
| Refinancing | 2 | $200,000 | $100,000 | $125,000 | $84,000 | $120,000 |
| Cash-out Refinancing | 2 | $210,000 | $105,000 | $105,000 | $40,000 | $45,000 |
| Home Improvement | 1 | $55,000 | $55,000 | $55,000 | $61,000 | $61,000 |
| Not Applicable | 1 | $1,675,000 | $1,675,000 | $1,675,000 | $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 | 14 | $1,510,000 | $107,000 | $295,000 | $104,000 | $253,000 |
| Hispanic | 9 | $1,085,000 | $120,000 | $205,000 | $68,000 | $126,000 |
| Not applicable | 6 | $2,890,000 | $481,000 | $1,675,000 | $0 | $0 |
| Not Provided | 4 | $390,000 | $97,000 | $125,000 | $94,000 | $180,000 |
| Black or African American | 3 | $385,000 | $128,000 | $135,000 | $63,000 | $115,000 |
| 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) | 32 | $5,800,000 | $181,000 | $1,675,000 | $90,000 | $253,000 |
| FHA-insured (Federal Housing Administration) | 3 | $255,000 | $85,000 | $125,000 | $59,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 1 | $205,000 | $205,000 | $205,000 | $76,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 13 | $3,705,000 | $285,000 | $1,675,000 | $111,000 | $253,000 |
| Application Denied By Financial Institution | 10 | $980,000 | $98,000 | $175,000 | $58,000 | $115,000 |
| File Closed For Incompleteness | 5 | $565,000 | $113,000 | $165,000 | $84,000 | $180,000 |
| Loan Purchased By The Institution | 5 | $745,000 | $149,000 | $325,000 | $78,000 | $78,000 |
| Application Withdrawn By Applicant | 3 | $265,000 | $88,000 | $105,000 | $113,000 | $183,000 |
| 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 | 24 | $4,690,000 | $195,000 | $1,675,000 | $104,000 | $253,000 |
| Credit History | 7 | $825,000 | $117,000 | $175,000 | $61,000 | $115,000 |
| Debt-To-Income Ratio | 3 | $625,000 | $208,000 | $505,000 | $46,000 | $72,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $78,000 | $78,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $51,000 | $51,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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