Reagan County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 87 mortgage applications in Reagan County, TX totaling $10.7 million, up 7% from 2022. The average application was for $122,000, and applicants reported an average income of $94,000. 29% of applications resulted in an originated loan and 46% were denied. The most active lender was 21st Mortgage, with 19 applications, followed by Triad Financial Services, Inc. and Vanderbilt Mortgage and Finance, 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 | 87 |
| Total Mortgage Loan Application Amount | $10,685,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $346,000 |
Top Mortgage Lenders in Reagan County, TX (2023)
Ranked by the number of mortgage applications each lender reported in Reagan County, TX in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | 21st Mortgage Knoxville, TN |
19 | $2,595,000 | $136,000 | $101,000 |
| 2 | Triad Financial Services, Inc. Jacksonville, FL |
11 | $1,245,000 | $113,000 | $85,000 |
| 3 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
8 | $760,000 | $95,000 | $72,000 |
| 4 | American Momentum Bank College Station, TX |
4 | $460,000 | $115,000 | $76,000 |
| 5 | Credit Human Federal Credit Un San Antonio, TX |
3 | $205,000 | $68,000 | $55,000 |
| 6 | Pentagon Federal Credit Union Omaha, NE |
2 | $210,000 | $105,000 | $89,000 |
| 7 | Wells Fargo Bank NA Minneapolis, MN |
2 | $130,000 | $65,000 | $21,000 |
| 8 | Guild Mortgage Company San Diego, CA |
2 | $380,000 | $190,000 | $73,000 |
| 9 | Countryplace Mortgage, Ltd. Plano, TX |
2 | $220,000 | $110,000 | $85,000 |
| 10 | Lakeview Loan Servicing, LLC Coral Gables, FL |
2 | $130,000 | $65,000 | $0 |
The tables below break down 2023 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 2023
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 | 73 | $9,375,000 | $128,000 | $335,000 | $92,000 | $346,000 |
| Other Purpose | 5 | $435,000 | $87,000 | $105,000 | $100,000 | $156,000 |
| Refinancing | 5 | $605,000 | $121,000 | $185,000 | $106,000 | $141,000 |
| Cash-out Refinancing | 2 | $200,000 | $100,000 | $105,000 | $93,000 | $101,000 |
| Home Improvement | 2 | $70,000 | $35,000 | $45,000 | $100,000 | $145,000 |
| 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 | 54 | $6,150,000 | $113,000 | $325,000 | $94,000 | $346,000 |
| White | 18 | $2,750,000 | $152,000 | $335,000 | $102,000 | $332,000 |
| Not applicable | 8 | $1,100,000 | $137,000 | $245,000 | $0 | $0 |
| Not Provided | 7 | $685,000 | $97,000 | $125,000 | $68,000 | $115,000 |
| 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 |
| 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) | 74 | $8,420,000 | $113,000 | $335,000 | $94,000 | $346,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,680,000 | $168,000 | $245,000 | $104,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $380,000 | $190,000 | $195,000 | $73,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 1 | $205,000 | $205,000 | $205,000 | $70,000 | $70,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 40 | $4,170,000 | $104,000 | $315,000 | $79,000 | $346,000 |
| Loan Originated | 25 | $3,685,000 | $147,000 | $335,000 | $108,000 | $332,000 |
| Loan Purchased By The Institution | 8 | $1,100,000 | $137,000 | $245,000 | $0 | $0 |
| File Closed For Incompleteness | 7 | $905,000 | $129,000 | $325,000 | $104,000 | $252,000 |
| Application Withdrawn By Applicant | 4 | $330,000 | $82,000 | $105,000 | $102,000 | $156,000 |
| Application Approved But Not Accepted | 3 | $495,000 | $165,000 | $215,000 | $132,000 | $268,000 |
| 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 | 45 | $6,405,000 | $142,000 | $335,000 | $106,000 | $332,000 |
| Credit History | 22 | $2,240,000 | $101,000 | $155,000 | $84,000 | $346,000 |
| Debt-To-Income Ratio | 12 | $1,070,000 | $89,000 | $135,000 | $73,000 | $156,000 |
| Other | 3 | $315,000 | $105,000 | $105,000 | $73,000 | $89,000 |
| Unverifiable Information | 2 | $160,000 | $80,000 | $85,000 | $44,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $315,000 | $315,000 | $315,000 | $252,000 | $252,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $115,000 | $115,000 |
| Credit Application Incomplete | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Employment History | 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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