Reagan County, TX Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 69 mortgage applications in Reagan County, TX totaling $7.7 million, down 26% from 2019. The average application was for $111,000, and applicants reported an average income of $84,000. 33% of applications resulted in an originated loan and 29% were denied. The most active lender was 21st Mortgage, with 25 applications, followed by Freedom Mortgage Corporation and Wells Fargo Bank NA.
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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 | 69 |
| Total Mortgage Loan Application Amount | $7,675,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $245,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $235,000 |
| 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 | 25 | $ 2,035,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 365,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 3 | $ 105,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 505,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 365,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 100,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 8,228,226,000 | 2 | $ 270,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 281,426,000 | 2 | $ 220,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 2 | $ 260,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 1 | $ 35,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 235,000 |
| American Momentum Bank 4830 W. KENNEDY BLVD. SUITE 200 COLLEGE STATION, TX 77845 |
* | $ 1,741,998,000 | 1 | $ 65,000 |
| First Bank & Trust 9816 SLIDE RD. LUBBOCK, TX 79424 |
* | $ 1,137,714,000 | 1 | $ 75,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 225,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 225,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 155,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 205,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 1 | $ 145,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 125,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 95,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 205,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 135,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 65,000 |
| The Bank & Trust, S.S.B. 1200 VETERANS BLVD DEL RIO, TX 78840 |
* | $ 416,746,000 | 1 | $ 125,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 125,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 451,485,000 | 1 | $ 245,000 |
| Cityworth Mortgage LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ -1,000 | 1 | $ 145,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2020 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 2020
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 | 48 | $4,980,000 | $103,000 | $245,000 | $83,000 | $235,000 |
| Refinancing | 14 | $2,080,000 | $148,000 | $245,000 | $89,000 | $162,000 |
| Not Applicable | 4 | $220,000 | $55,000 | $115,000 | $0 | $0 |
| Cash-out Refinancing | 3 | $395,000 | $131,000 | $145,000 | $84,000 | $97,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 37 | $3,615,000 | $97,000 | $205,000 | $82,000 | $235,000 |
| White | 19 | $2,575,000 | $135,000 | $245,000 | $92,000 | $163,000 |
| Not applicable | 8 | $820,000 | $102,000 | $205,000 | $49,000 | $58,000 |
| Not Provided | 4 | $580,000 | $145,000 | $225,000 | $86,000 | $162,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $74,000 | $74,000 |
| 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) | 47 | $5,085,000 | $108,000 | $245,000 | $89,000 | $235,000 |
| FHA-insured (Federal Housing Administration) | 19 | $2,055,000 | $108,000 | $245,000 | $59,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 3 | $535,000 | $178,000 | $225,000 | $64,000 | $64,000 |
| 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 | 23 | $2,905,000 | $126,000 | $235,000 | $87,000 | $206,000 |
| Application Denied By Financial Institution | 20 | $1,840,000 | $92,000 | $225,000 | $79,000 | $208,000 |
| Loan Purchased By The Institution | 9 | $965,000 | $107,000 | $205,000 | $54,000 | $64,000 |
| Application Withdrawn By Applicant | 8 | $1,080,000 | $135,000 | $245,000 | $135,000 | $235,000 |
| File Closed For Incompleteness | 8 | $840,000 | $105,000 | $245,000 | $59,000 | $87,000 |
| Application Approved But Not Accepted | 1 | $45,000 | $45,000 | $45,000 | $43,000 | $43,000 |
| 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 | 48 | $5,710,000 | $118,000 | $245,000 | $83,000 | $235,000 |
| Credit History | 13 | $1,215,000 | $93,000 | $225,000 | $88,000 | $208,000 |
| Debt-To-Income Ratio | 4 | $490,000 | $122,000 | $125,000 | $71,000 | $206,000 |
| Collateral | 2 | $50,000 | $25,000 | $35,000 | $49,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $163,000 | $163,000 |
| Unverifiable Information | 1 | $165,000 | $165,000 | $165,000 | $103,000 | $103,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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