Reagan County, TX Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 81 mortgage applications in Reagan County, TX totaling $12.0 million, down 5% from 2021. The average application was for $147,000, and applicants reported an average income of $88,000. 40% of applications resulted in an originated loan and 21% were denied. The most active lender was 21st Mortgage, with 12 applications, followed by American Momentum Bank and Truist Bank.
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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 | 81 |
| Total Mortgage Loan Application Amount | $11,965,000 |
| Average Mortgage Loan Application Amount | $147,000 |
| Highest Mortgage Loan Application Amount | $1,105,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $250,000 |
| 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 | 12 | $ 1,420,000 |
| American Momentum Bank 4830 W. KENNEDY BLVD. SUITE 200 COLLEGE STATION, TX 77845 |
* | $ 2,777,617,000 | 7 | $ 605,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 3 | $ 335,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -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 | $ 435,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 195,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 280,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 340,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 13,062,060,000 | 2 | $ 1,300,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 200,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 2 | $ 330,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 2 | $ 200,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 2 | $ 320,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 115,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 215,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 235,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 125,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 145,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 65,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 185,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 145,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 115,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 205,000 |
| Legacy Mortgage LLC 6725 ACADEMY ROAD NE ALBUQUERQUE, NM 87109 |
* | $ -1,000 | 1 | $ 185,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 20,897,645,000 | 1 | $ 75,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ -1,000 | 1 | $ 75,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 2,415,583,000 | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 95,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 37,833,980,000 | 1 | $ 165,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 195,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 3,832,697,000 | 1 | $ 185,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 185,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 1 | $ 95,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 3,975,223,000 | 1 | $ 195,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 215,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 356,998,000 | 1 | $ 35,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 155,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 155,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 155,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ -1,000 | 1 | $ 195,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 1 | $ 225,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2022 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 2022
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 | 52 | $7,380,000 | $141,000 | $235,000 | $85,000 | $144,000 |
| Cash-out Refinancing | 17 | $3,145,000 | $185,000 | $1,105,000 | $100,000 | $250,000 |
| Refinancing | 9 | $1,225,000 | $136,000 | $195,000 | $82,000 | $121,000 |
| Other Purpose | 3 | $215,000 | $71,000 | $115,000 | $73,000 | $91,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 47 | $6,235,000 | $132,000 | $205,000 | $84,000 | $179,000 |
| White | 17 | $2,605,000 | $153,000 | $235,000 | $96,000 | $250,000 |
| Not applicable | 12 | $2,600,000 | $216,000 | $1,105,000 | $118,000 | $250,000 |
| Not Provided | 3 | $315,000 | $105,000 | $155,000 | $109,000 | $137,000 |
| Black or African American | 2 | $210,000 | $105,000 | $115,000 | $24,000 | $26,000 |
| 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) | 60 | $8,620,000 | $143,000 | $1,105,000 | $91,000 | $250,000 |
| FHA-insured (Federal Housing Administration) | 18 | $2,850,000 | $158,000 | $235,000 | $78,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 3 | $495,000 | $165,000 | $205,000 | $62,000 | $65,000 |
| 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 | 32 | $5,130,000 | $160,000 | $1,105,000 | $86,000 | $250,000 |
| Application Denied By Financial Institution | 17 | $2,265,000 | $133,000 | $225,000 | $88,000 | $179,000 |
| Application Withdrawn By Applicant | 10 | $1,670,000 | $167,000 | $235,000 | $84,000 | $121,000 |
| Loan Purchased By The Institution | 10 | $1,450,000 | $145,000 | $215,000 | $118,000 | $250,000 |
| File Closed For Incompleteness | 9 | $1,035,000 | $115,000 | $185,000 | $97,000 | $148,000 |
| Application Approved But Not Accepted | 2 | $260,000 | $130,000 | $165,000 | $52,000 | $83,000 |
| Preapproval Approved but not Accepted | 1 | $155,000 | $155,000 | $155,000 | $79,000 | $79,000 |
| 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 | 64 | $9,700,000 | $151,000 | $1,105,000 | $88,000 | $250,000 |
| Credit History | 11 | $1,365,000 | $124,000 | $225,000 | $98,000 | $179,000 |
| Debt-To-Income Ratio | 1 | $115,000 | $115,000 | $115,000 | $26,000 | $26,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $96,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $60,000 | $60,000 |
| Collateral | 1 | $205,000 | $205,000 | $205,000 | $87,000 | $87,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $63,000 | $63,000 |
| Unverifiable Information | 1 | $65,000 | $65,000 | $65,000 | $90,000 | $90,000 |
| Other | 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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