Reagan County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 34 mortgage applications in Reagan County, TX totaling $5.0 million, down 45% from 2024. The average application was for $145,000, and applicants reported an average income of $103,000. 32% of applications resulted in an originated loan and 29% were denied. The most active lender was American Momentum Bank, with 5 applications, followed by 21st Mortgage and Freedom Mortgage Corporation.
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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 | 34 |
| Total Mortgage Loan Application Amount | $4,950,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $190,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Momentum Bank 4830 W. KENNEDY BLVD. SUITE 200 COLLEGE STATION, TX 77845 |
* | $ n/a | 5 | $ 345,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 800,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 350,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 2 | $ 450,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 140,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 2 | $ 360,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ n/a | 2 | $ 250,000 |
| Greater Texas FCU 1180 AIRPORT BLVD AUSTIN, TX 78727 |
* | $ n/a | 1 | $ 35,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ n/a | 1 | $ 65,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 215,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 215,000 |
| The Bank & Trust, S.S.B. 1200 VETERANS BLVD DEL RIO, TX 78840 |
* | $ n/a | 1 | $ 85,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 205,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 155,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 245,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 195,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ n/a | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2025 mortgage applications in Reagan 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 Reagan County, TX in 2025
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 | 19 | $3,015,000 | $158,000 | $295,000 | $106,000 | $190,000 |
| Cash-out Refinancing | 7 | $745,000 | $106,000 | $205,000 | $99,000 | $163,000 |
| Refinancing | 5 | $945,000 | $189,000 | $245,000 | $122,000 | $124,000 |
| Other Purpose | 2 | $90,000 | $45,000 | $45,000 | $59,000 | $104,000 |
| Home Improvement | 1 | $155,000 | $155,000 | $155,000 | $126,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 21 | $2,945,000 | $140,000 | $295,000 | $100,000 | $190,000 |
| White | 6 | $970,000 | $161,000 | $245,000 | $130,000 | $163,000 |
| Not Provided | 4 | $600,000 | $150,000 | $295,000 | $81,000 | $158,000 |
| Not applicable | 3 | $435,000 | $145,000 | $195,000 | $0 | $0 |
| 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 |
| Black or African American | 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) | 22 | $2,770,000 | $125,000 | $295,000 | $101,000 | $190,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,965,000 | $178,000 | $295,000 | $106,000 | $164,000 |
| VA-guaranteed (Veterans Administration) | 1 | $215,000 | $215,000 | $215,000 | $0 | $0 |
| 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 | 11 | $1,585,000 | $144,000 | $245,000 | $124,000 | $164,000 |
| Application Denied By Financial Institution | 10 | $1,380,000 | $138,000 | $295,000 | $97,000 | $190,000 |
| Application Withdrawn By Applicant | 6 | $750,000 | $125,000 | $295,000 | $86,000 | $161,000 |
| File Closed For Incompleteness | 4 | $700,000 | $175,000 | $215,000 | $99,000 | $120,000 |
| Loan Purchased By The Institution | 2 | $350,000 | $175,000 | $195,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $185,000 | $185,000 | $185,000 | $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 | 18 | $3,140,000 | $174,000 | $295,000 | $114,000 | $164,000 |
| Debt-To-Income Ratio | 8 | $630,000 | $78,000 | $135,000 | $89,000 | $161,000 |
| Credit History | 6 | $930,000 | $155,000 | $295,000 | $92,000 | $190,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $104,000 | $104,000 |
| Collateral | 1 | $205,000 | $205,000 | $205,000 | $104,000 | $104,000 |
| 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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