Mills County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 107 mortgage applications in Mills County, TX totaling $22.4 million, up 19% from 2023. The average application was for $209,000, and applicants reported an average income of $106,000. 45% of applications resulted in an originated loan and 25% were denied. The most active lender was 21st Mortgage, with 13 applications, followed by Cadence Bank and Randolph-Brooks Federal Credit Union.
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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 | 107 |
| Total Mortgage Loan Application Amount | $22,375,000 |
| Average Mortgage Loan Application Amount | $209,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $299,000 |
* 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 |
* | $ n/a | 13 | $ 1,355,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 6 | $ 1,400,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 4 | $ 830,000 |
| Primis Bank GLEN ALLEN, VA 23060 |
* | $ n/a | 4 | $ 880,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 4 | $ 1,030,000 |
| Texasbank 400 FISK AVE BROWNWOOD, TX 76801 |
* | $ n/a | 4 | $ 1,190,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 970,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 3 | $ 1,645,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 3 | $ 345,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 190,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 630,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 490,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 480,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 2 | $ 240,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ n/a | 2 | $ 130,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ n/a | 2 | $ 590,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 70,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 580,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 330,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 2 | $ 170,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ n/a | 2 | $ 1,090,000 |
| Mauch Chunk Trust Company 1111 NORTH STREET - PO BOX 289 JIM THORPE, PA 18229 |
* | $ n/a | 1 | $ 255,000 |
| Mauch Chunk Trust Company 1111 NORTH STREET - PO BOX 289 JIM THORPE, PA 18229 |
* | $ n/a | 1 | $ 255,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 335,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 555,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 245,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 125,000 |
| Citizens State Bank 1330 W COMMERCE ST BUFFALO, TX 75831 |
* | $ n/a | 1 | $ 55,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ n/a | 1 | $ 165,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 205,000 |
| Government Employees Federal Credit Union 10806 METRIC BLVD. AUSTIN, TX 78758 |
* | $ n/a | 1 | $ 255,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 75,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 255,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 205,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 275,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 95,000 |
| Southwest Airlines FCU 2340 SHORECREST DALLAS, TX 75235 |
* | $ n/a | 1 | $ 285,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 305,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 105,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ n/a | 1 | $ 25,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 175,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 1 | $ 465,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 455,000 |
| Greater Texas FCU 1180 AIRPORT BLVD AUSTIN, TX 78727 |
* | $ n/a | 1 | $ 105,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ n/a | 1 | $ 215,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 305,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 1 | $ 315,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 245,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 1 | $ 205,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ n/a | 1 | $ 205,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 65,000 |
| First National Bank of Evant 115 N MEMORY LN EVANT, TX 76525 |
* | $ n/a | 1 | $ 65,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2024 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 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 | 59 | $12,155,000 | $206,000 | $605,000 | $101,000 | $290,000 |
| Cash-out Refinancing | 19 | $4,975,000 | $261,000 | $575,000 | $128,000 | $299,000 |
| Other Purpose | 11 | $1,735,000 | $157,000 | $525,000 | $106,000 | $280,000 |
| Refinancing | 10 | $2,970,000 | $297,000 | $555,000 | $100,000 | $172,000 |
| Home Improvement | 8 | $540,000 | $67,000 | $205,000 | $89,000 | $225,000 |
| 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 | 63 | $12,865,000 | $204,000 | $575,000 | $102,000 | $290,000 |
| Hispanic | 16 | $2,910,000 | $181,000 | $525,000 | $93,000 | $280,000 |
| Not Provided | 15 | $3,105,000 | $207,000 | $525,000 | $113,000 | $251,000 |
| Not applicable | 9 | $1,905,000 | $211,000 | $555,000 | $172,000 | $172,000 |
| American Indian or Alaskan Native | 2 | $620,000 | $310,000 | $405,000 | $204,000 | $299,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $365,000 | $365,000 | $365,000 | $148,000 | $148,000 |
| Black or African American | 1 | $605,000 | $605,000 | $605,000 | $107,000 | $107,000 |
| 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) | 89 | $18,135,000 | $203,000 | $605,000 | $110,000 | $299,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,170,000 | $271,000 | $465,000 | $105,000 | $290,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,505,000 | $215,000 | $455,000 | $35,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $565,000 | $188,000 | $205,000 | $71,000 | $82,000 |
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 | 48 | $10,700,000 | $222,000 | $525,000 | $116,000 | $299,000 |
| Application Denied By Financial Institution | 27 | $5,445,000 | $201,000 | $605,000 | $95,000 | $290,000 |
| Application Withdrawn By Applicant | 12 | $2,070,000 | $172,000 | $525,000 | $92,000 | $215,000 |
| Loan Purchased By The Institution | 9 | $2,305,000 | $256,000 | $555,000 | $172,000 | $172,000 |
| File Closed For Incompleteness | 7 | $975,000 | $139,000 | $415,000 | $72,000 | $179,000 |
| Application Approved But Not Accepted | 4 | $880,000 | $220,000 | $465,000 | $144,000 | $213,000 |
| 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 | 78 | $16,620,000 | $213,000 | $555,000 | $109,000 | $299,000 |
| Debt-To-Income Ratio | 8 | $1,480,000 | $185,000 | $385,000 | $115,000 | $225,000 |
| Credit History | 7 | $1,055,000 | $150,000 | $515,000 | $72,000 | $165,000 |
| Collateral | 6 | $1,140,000 | $190,000 | $575,000 | $87,000 | $125,000 |
| Credit Application Incomplete | 2 | $460,000 | $230,000 | $285,000 | $74,000 | $80,000 |
| Other | 2 | $200,000 | $100,000 | $175,000 | $109,000 | $179,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $700,000 | $350,000 | $605,000 | $84,000 | $107,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $290,000 | $290,000 |
| Employment History | 1 | $415,000 | $415,000 | $415,000 | $89,000 | $89,000 |
| 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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