In 2023, lenders reported 379 mortgage applications in Nolan County, TX totaling $52.6 million, down 3% from 2022. The average application was for $138,000, and applicants reported an average income of $98,000. 41% of applications resulted in an originated loan and 23% were denied. The most active lender was First Financial Bank, with 66 applications, followed by 21st Mortgage and Lakeview Loan Servicing, LLC.
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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 | 379 |
| Total Mortgage Loan Application Amount | $52,595,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $509,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 12,922,116,000 | 66 | $ 8,340,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 39 | $ 5,875,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 31 | $ 2,435,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 15 | $ 1,965,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 14 | $ 2,560,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 13 | $ 1,135,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 12 | $ 1,960,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 12 | $ 1,570,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 8 | $ 1,420,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 8 | $ 1,220,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 955,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 950,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 6 | $ 930,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 6 | $ 370,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 865,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 725,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 755,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 665,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 4 | $ 460,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 4 | $ 470,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 750,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 4 | $ 880,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 3 | $ 495,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 265,000 |
| Abilene Teachers FCU P.O. BOX 5706 ABILENE, TX 79606 |
* | $ 596,740,000 | 3 | $ 235,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 525,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 355,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 515,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 2 | $ 280,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ 342,115,000 | 2 | $ 470,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 130,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 390,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,942,106,000 | 2 | $ 430,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 190,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 2 | $ 420,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 220,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 2 | $ 350,000 |
| Resicentral LLC 700 LARKSPUR LANDING CIRCLE SUITE 199-18 LARKSPUR, CA 94939 |
* | $ -1,000 | 2 | $ 710,000 |
| Jacksboro National Bank 910 MAIN STREET JACKSBORO, TX 76458 |
* | $ 286,162,000 | 2 | $ 120,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 720,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 300,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 400,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ 52,953,767,000 | 2 | $ 70,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 280,000 |
| Castroville State Bank 502 PARIS ST. CASTROVILLE, TX 78009 |
* | $ 250,106,000 | 2 | $ 140,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 2 | $ 300,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 225,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 125,000 |
| Southside Bank 1201 S BECKHAM TYLER, TX 75701 |
* | $ 7,554,150,000 | 1 | $ 605,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 75,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 85,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 145,000 |
| Western Bank 5701 82ND ST LUBBOCK, TX 79401 |
* | $ 564,054,000 | 1 | $ 165,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 75,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ 749,271,000 | 1 | $ 75,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 479,101,000 | 1 | $ 5,000 |
| Gardner Financial Services 3503 PAESANOS PKWY SAN ANTONIO, TX 78259 |
* | $ -1,000 | 1 | $ 65,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 95,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 89,544,919,000 | 1 | $ 245,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 125,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 345,000 |
| Mauch Chunk Trust Company 1111 NORTH STREET - PO BOX 289 JIM THORPE, PA 18229 |
* | $ 213,826,000 | 1 | $ 225,000 |
| Mauch Chunk Trust Company 1111 NORTH STREET - PO BOX 289 JIM THORPE, PA 18229 |
* | $ 610,305,000 | 1 | $ 225,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 1 | $ 55,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 781,550,000 | 1 | $ 75,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 15,997,837,000 | 1 | $ 215,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 1 | $ 115,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 75,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 295,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 78,672,073,000 | 1 | $ 85,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 4,701,298,000 | 1 | $ 215,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 75,000 |
| Southwest Bank 4800 E. 42ND STREET ODESSA, TX 79762 |
* | $ 671,228,000 | 1 | $ 225,000 |
| The Mortgage Link, Inc. 3 RESEARCH PL #100 ROCKVILLE, MD 20850 |
* | $ -1,000 | 1 | $ 125,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 125,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 165,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ -1,000 | 1 | $ 55,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 55,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 37,695,970,000 | 1 | $ 65,000 |
| Alliance Credit Union 8401 QUAKER AVE LUBBOCK, TX 79424 |
* | $ 489,908,000 | 1 | $ 295,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 647,325,000 | 1 | $ 235,000 |
| Citizens Bank, National Association 4201 S TREADAWAY BLVD ABILENE, TX 79602 |
* | $ 131,143,000 | 1 | $ 55,000 |
The tables below break down 2023 mortgage applications in Nolan County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 290 | $43,310,000 | $149,000 | $685,000 | $100,000 | $386,000 |
| Cash-out Refinancing | 27 | $4,045,000 | $149,000 | $375,000 | $119,000 | $509,000 |
| Other Purpose | 22 | $1,720,000 | $78,000 | $305,000 | $77,000 | $190,000 |
| Refinancing | 20 | $2,270,000 | $113,000 | $255,000 | $78,000 | $150,000 |
| Home Improvement | 20 | $1,250,000 | $62,000 | $105,000 | $98,000 | $250,000 |
| 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 | 183 | $27,005,000 | $147,000 | $685,000 | $101,000 | $509,000 |
| Hispanic | 81 | $10,105,000 | $124,000 | $375,000 | $86,000 | $209,000 |
| Not applicable | 68 | $8,380,000 | $123,000 | $355,000 | $132,000 | $177,000 |
| Not Provided | 37 | $5,645,000 | $152,000 | $305,000 | $114,000 | $300,000 |
| Black or African American | 5 | $805,000 | $161,000 | $215,000 | $95,000 | $149,000 |
| American Indian or Alaskan Native | 3 | $185,000 | $61,000 | $95,000 | $36,000 | $48,000 |
| Asian | 1 | $85,000 | $85,000 | $85,000 | $26,000 | $26,000 |
| 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) | 262 | $33,270,000 | $126,000 | $685,000 | $102,000 | $509,000 |
| FHA-insured (Federal Housing Administration) | 98 | $16,200,000 | $165,000 | $355,000 | $89,000 | $196,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,895,000 | $170,000 | $255,000 | $91,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $230,000 | $115,000 | $125,000 | $65,000 | $79,000 |
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 | 157 | $23,055,000 | $146,000 | $685,000 | $106,000 | $509,000 |
| Application Denied By Financial Institution | 89 | $10,695,000 | $120,000 | $605,000 | $85,000 | $260,000 |
| Loan Purchased By The Institution | 61 | $7,675,000 | $125,000 | $355,000 | $115,000 | $177,000 |
| Application Withdrawn By Applicant | 39 | $6,665,000 | $170,000 | $375,000 | $108,000 | $208,000 |
| File Closed For Incompleteness | 25 | $3,325,000 | $133,000 | $305,000 | $93,000 | $260,000 |
| Application Approved But Not Accepted | 8 | $1,180,000 | $147,000 | $245,000 | $76,000 | $120,000 |
| 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 | 288 | $41,590,000 | $144,000 | $685,000 | $104,000 | $509,000 |
| Credit History | 48 | $5,330,000 | $111,000 | $385,000 | $81,000 | $260,000 |
| Debt-To-Income Ratio | 19 | $2,395,000 | $126,000 | $295,000 | $67,000 | $171,000 |
| Collateral | 12 | $1,140,000 | $95,000 | $305,000 | $96,000 | $171,000 |
| Unverifiable Information | 5 | $1,165,000 | $233,000 | $605,000 | $152,000 | $241,000 |
| Credit Application Incomplete | 3 | $415,000 | $138,000 | $195,000 | $128,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $390,000 | $195,000 | $255,000 | $86,000 | $99,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $83,000 | $83,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $58,000 | $58,000 |
| 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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