Reagan County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 62 mortgage applications in Reagan County, TX totaling $9.6 million, down 29% from 2023. The average application was for $154,000, and applicants reported an average income of $102,000. 31% of applications resulted in an originated loan and 23% were denied. The most active lender was American Momentum Bank, with 10 applications, followed by 21st Mortgage and Triad Financial Services, Inc..
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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 | 62 |
| Total Mortgage Loan Application Amount | $9,570,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $600,000 |
| 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 | 10 | $ 2,000,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 10 | $ 1,380,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 7 | $ 825,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 410,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 4 | $ 570,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 165,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ n/a | 3 | $ 225,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 200,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 330,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 350,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 295,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 185,000 |
| Citizens State Bank 329 W. HARRIS SAN ANGELO, TX 76903 |
* | $ n/a | 1 | $ 85,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 205,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 1 | $ 195,000 |
| Broadway National Bank 1177 NE LOOP 410 SAN ANTONIO, TX 78209 |
* | $ n/a | 1 | $ 155,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 125,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 315,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 245,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 1 | $ 295,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 1 | $ 185,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 165,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ n/a | 1 | $ 155,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 335,000 |
The tables below break down 2024 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 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 | 50 | $8,250,000 | $165,000 | $335,000 | $84,000 | $205,000 |
| Home Improvement | 6 | $600,000 | $100,000 | $155,000 | $202,000 | $600,000 |
| Cash-out Refinancing | 3 | $365,000 | $121,000 | $175,000 | $88,000 | $111,000 |
| Other Purpose | 3 | $355,000 | $118,000 | $155,000 | $193,000 | $275,000 |
| Refinancing | 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 | 44 | $6,780,000 | $154,000 | $315,000 | $104,000 | $600,000 |
| White | 8 | $1,340,000 | $167,000 | $335,000 | $109,000 | $194,000 |
| Not applicable | 5 | $975,000 | $195,000 | $315,000 | $0 | $0 |
| Not Provided | 4 | $350,000 | $87,000 | $185,000 | $83,000 | $110,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $43,000 | $43,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 49 | $6,535,000 | $133,000 | $335,000 | $103,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,675,000 | $239,000 | $315,000 | $104,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $565,000 | $188,000 | $195,000 | $69,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 3 | $795,000 | $265,000 | $295,000 | $114,000 | $148,000 |
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 | 19 | $3,135,000 | $165,000 | $335,000 | $89,000 | $194,000 |
| Application Denied By Financial Institution | 14 | $2,240,000 | $160,000 | $265,000 | $137,000 | $600,000 |
| File Closed For Incompleteness | 11 | $1,705,000 | $155,000 | $235,000 | $91,000 | $275,000 |
| Application Approved But Not Accepted | 7 | $625,000 | $89,000 | $145,000 | $89,000 | $205,000 |
| Application Withdrawn By Applicant | 6 | $890,000 | $148,000 | $235,000 | $101,000 | $187,000 |
| Loan Purchased By The Institution | 5 | $975,000 | $195,000 | $315,000 | $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 | 40 | $5,890,000 | $147,000 | $335,000 | $91,000 | $275,000 |
| Debt-To-Income Ratio | 14 | $2,660,000 | $190,000 | $285,000 | $83,000 | $194,000 |
| Credit History | 6 | $790,000 | $131,000 | $205,000 | $225,000 | $600,000 |
| Unverifiable Information | 2 | $230,000 | $115,000 | $155,000 | $67,000 | $88,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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