Real County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 82 mortgage applications in Real County, TX totaling $20.0 million, down 11% from 2023. The average application was for $244,000, and applicants reported an average income of $148,000. 34% of applications resulted in an originated loan and 26% were denied. The most active lender was Security Service, with 10 applications, followed by 21st Mortgage and Mortgage Research Center.
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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 | 82 |
| Total Mortgage Loan Application Amount | $20,010,000 |
| Average Mortgage Loan Application Amount | $244,000 |
| Highest Mortgage Loan Application Amount | $945,000 |
| Average Applicant Income | $148,000 |
| Highest Applicant Income | $1,201,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ n/a | 10 | $ 1,210,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 9 | $ 1,145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,110,000 |
| Txn Bank 103 19TH ST HONDO, TX 78861 |
* | $ n/a | 5 | $ 905,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 3 | $ 575,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 665,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 220,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 2 | $ 620,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 2 | $ 100,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 510,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 2 | $ 1,150,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 2 | $ 290,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 2 | $ 500,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 320,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 85,000 |
| First National Bank of Shiner 103 W. 7TH ST / P. O. BOX 607 SHINER, TX 77984 |
* | $ n/a | 1 | $ 405,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 655,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 65,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 225,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 1 | $ 255,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 805,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 175,000 |
| Lone Star National Bank 206 WEST FERGUSON PHARR, TX 78577 |
* | $ n/a | 1 | $ 85,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ n/a | 1 | $ 35,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 485,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 375,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 645,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 225,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 465,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 245,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 1 | $ 945,000 |
| Frontier Bank of Texas 1213 HWY 290 E ELGIN, TX 78621 |
* | $ n/a | 1 | $ 285,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 165,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 435,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 425,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 535,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 145,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2024 mortgage applications in Real 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 Real 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 | 48 | $11,770,000 | $245,000 | $805,000 | $144,000 | $686,000 |
| Other Purpose | 12 | $1,110,000 | $92,000 | $405,000 | $103,000 | $360,000 |
| Cash-out Refinancing | 11 | $3,895,000 | $354,000 | $945,000 | $233,000 | $1,201,000 |
| Refinancing | 9 | $2,945,000 | $327,000 | $695,000 | $143,000 | $297,000 |
| Home Improvement | 2 | $290,000 | $145,000 | $255,000 | $66,000 | $115,000 |
| 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 |
|---|---|---|---|---|---|---|
| White | 36 | $8,910,000 | $247,000 | $945,000 | $129,000 | $316,000 |
| Hispanic | 32 | $7,010,000 | $219,000 | $805,000 | $174,000 | $1,201,000 |
| Not Provided | 7 | $1,995,000 | $285,000 | $645,000 | $171,000 | $600,000 |
| Not applicable | 3 | $1,285,000 | $428,000 | $695,000 | $0 | $0 |
| Black or African American | 2 | $240,000 | $120,000 | $155,000 | $32,000 | $33,000 |
| American Indian or Alaskan Native | 2 | $570,000 | $285,000 | $535,000 | $125,000 | $157,000 |
| Asian | 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) | 64 | $14,370,000 | $224,000 | $945,000 | $154,000 | $1,201,000 |
| VA-guaranteed (Veterans Administration) | 11 | $3,925,000 | $356,000 | $535,000 | $151,000 | $173,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,715,000 | $245,000 | $485,000 | $85,000 | $125,000 |
| 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 | 28 | $7,870,000 | $281,000 | $805,000 | $169,000 | $686,000 |
| Application Denied By Financial Institution | 21 | $3,865,000 | $184,000 | $535,000 | $85,000 | $343,000 |
| File Closed For Incompleteness | 16 | $3,550,000 | $221,000 | $945,000 | $196,000 | $1,201,000 |
| Application Withdrawn By Applicant | 12 | $2,610,000 | $217,000 | $405,000 | $143,000 | $360,000 |
| Loan Purchased By The Institution | 3 | $1,285,000 | $428,000 | $695,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $830,000 | $415,000 | $655,000 | $209,000 | $297,000 |
| 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 | 60 | $15,860,000 | $264,000 | $945,000 | $172,000 | $1,201,000 |
| Debt-To-Income Ratio | 7 | $1,385,000 | $197,000 | $405,000 | $57,000 | $144,000 |
| Credit History | 5 | $435,000 | $87,000 | $155,000 | $50,000 | $74,000 |
| Other | 4 | $270,000 | $67,000 | $165,000 | $71,000 | $96,000 |
| Collateral | 4 | $1,440,000 | $360,000 | $465,000 | $202,000 | $343,000 |
| Credit Application Incomplete | 1 | $535,000 | $535,000 | $535,000 | $157,000 | $157,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $33,000 | $33,000 |
| 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 |
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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