Mills County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 90 mortgage applications in Mills County, TX totaling $21.8 million, down 26% from 2022. The average application was for $242,000, and applicants reported an average income of $116,000. 44% of applications resulted in an originated loan and 20% were denied. The most active lender was 21st Mortgage, with 7 applications, followed by Cadence Bank and Fairway Independent Mort Corp.
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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 | 90 |
| Total Mortgage Loan Application Amount | $21,820,000 |
| Average Mortgage Loan Application Amount | $242,000 |
| Highest Mortgage Loan Application Amount | $3,255,000 |
| Average Applicant Income | $116,000 |
| Highest Applicant Income | $629,000 |
| 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 | 7 | $ 1,355,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 6 | $ 1,340,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 820,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 4 | $ 530,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 4 | $ 830,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 310,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 415,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 520,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 500,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 12,922,116,000 | 2 | $ 230,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 2 | $ 480,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 540,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 37,695,970,000 | 2 | $ 490,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 220,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 840,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 680,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 300,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 340,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 90,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 165,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 155,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 1 | $ 65,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 195,000 |
| First National Bank of Evant 115 N MEMORY LN EVANT, TX 76525 |
* | $ 157,749,000 | 1 | $ 35,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 385,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 335,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 45,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 485,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 105,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 105,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 105,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,942,106,000 | 1 | $ 125,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 185,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 195,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 195,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ -1,000 | 1 | $ 355,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 105,000 |
| Texasbank 400 FISK AVE BROWNWOOD, TX 76801 |
* | $ 1,715,530,000 | 1 | $ 235,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 405,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 2,413,243,000 | 1 | $ 25,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 715,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 335,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 115,000 |
| Inwood National Bank 7621 INWOOD RD DALLAS, TX 75209 |
* | $ 4,352,084,000 | 1 | $ 3,255,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 1 | $ 485,000 |
The tables below break down 2023 mortgage applications in Mills 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 Mills 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 | 60 | $13,310,000 | $221,000 | $805,000 | $119,000 | $629,000 |
| Cash-out Refinancing | 13 | $2,405,000 | $185,000 | $485,000 | $128,000 | $463,000 |
| Refinancing | 7 | $5,445,000 | $777,000 | $3,255,000 | $159,000 | $356,000 |
| Home Improvement | 6 | $370,000 | $61,000 | $105,000 | $71,000 | $127,000 |
| Other Purpose | 4 | $290,000 | $72,000 | $155,000 | $57,000 | $86,000 |
| 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 | 54 | $11,300,000 | $209,000 | $715,000 | $104,000 | $356,000 |
| Not applicable | 11 | $5,185,000 | $471,000 | $3,255,000 | $0 | $0 |
| Not Provided | 10 | $2,460,000 | $246,000 | $805,000 | $118,000 | $279,000 |
| Hispanic | 10 | $1,510,000 | $151,000 | $315,000 | $170,000 | $629,000 |
| American Indian or Alaskan Native | 3 | $655,000 | $218,000 | $485,000 | $177,000 | $463,000 |
| Black or African American | 2 | $710,000 | $355,000 | $355,000 | $99,000 | $102,000 |
| 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) | 74 | $17,910,000 | $242,000 | $3,255,000 | $120,000 | $629,000 |
| FHA-insured (Federal Housing Administration) | 12 | $2,190,000 | $182,000 | $385,000 | $68,000 | $138,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,720,000 | $430,000 | $805,000 | $161,000 | $279,000 |
| 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 | 40 | $12,090,000 | $302,000 | $3,255,000 | $117,000 | $356,000 |
| Application Denied By Financial Institution | 18 | $2,910,000 | $161,000 | $405,000 | $98,000 | $629,000 |
| Application Withdrawn By Applicant | 13 | $2,935,000 | $225,000 | $805,000 | $146,000 | $463,000 |
| Loan Purchased By The Institution | 10 | $1,930,000 | $193,000 | $715,000 | $0 | $0 |
| File Closed For Incompleteness | 6 | $1,520,000 | $253,000 | $485,000 | $86,000 | $150,000 |
| Application Approved But Not Accepted | 3 | $435,000 | $145,000 | $235,000 | $159,000 | $354,000 |
| 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 | 72 | $18,910,000 | $262,000 | $3,255,000 | $122,000 | $463,000 |
| Debt-To-Income Ratio | 5 | $665,000 | $133,000 | $405,000 | $32,000 | $70,000 |
| Credit History | 3 | $445,000 | $148,000 | $235,000 | $72,000 | $105,000 |
| Unverifiable Information | 3 | $525,000 | $175,000 | $225,000 | $82,000 | $131,000 |
| Other | 2 | $560,000 | $280,000 | $395,000 | $177,000 | $279,000 |
| Collateral | 2 | $380,000 | $190,000 | $195,000 | $331,000 | $629,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $35,000 | $35,000 |
| Employment History | 1 | $165,000 | $165,000 | $165,000 | $56,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $35,000 | $35,000 |
| 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.
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