Shelby County, TX Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 681 mortgage applications in Shelby County, TX totaling $113.9 million, up 16% from 2024. The average application was for $167,000, and applicants reported an average income of $96,000. 34% of applications resulted in an originated loan and 30% were denied. The most active lender was 21st Mortgage, with 165 applications, followed by Triad Financial Services, Inc. and Vanderbilt Mortgage and Finance, Inc.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 681
Total Mortgage Loan Application Amount $113,935,000
Average Mortgage Loan Application Amount $167,000
Highest Mortgage Loan Application Amount $2,955,000
Average Applicant Income $96,000
Highest Applicant Income $1,308,000

Mortgage Company List for Lending in Shelby County, TX for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
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
* $ n/a 165 $ 21,505,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 83 $ 10,595,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 46 $ 5,750,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 35 $ 7,515,000
Shelby
111 SELMA ST
CENTER, TX 75935
* $ n/a 28 $ 4,190,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 17 $ 4,755,000
Austin Bank, Texas National Association
PO BOX 1537
JACKSONVILLE, TX 75766
* $ n/a 16 $ 4,060,000
Sabine State Bank and Trust Company
765 SHREVEPORT HWY
MANY, LA 71449
* $ n/a 14 $ 2,820,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 13 $ 1,365,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 11 $ 3,295,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 11 $ 1,225,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 11 $ 2,125,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 11 $ 1,045,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 10 $ 1,100,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 7 $ 1,655,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 6 $ 1,290,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ n/a 6 $ 1,820,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ n/a 6 $ 970,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 6 $ 1,310,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 1,030,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ n/a 5 $ 1,875,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 5 $ 895,000
The First National Bank of Hughes Springs
PO BOX 188
HUGHES SPRINGS, TX 75656
* $ n/a 5 $ 335,000
Bom Bank
1000 CADDO STREET
NATCHITOCHES, LA 71457
* $ n/a 5 $ 1,175,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 4 $ 520,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 4 $ 640,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 4 $ 890,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 4 $ 640,000
Commercial Bank of Texas, NA
215 E MAIN ST
NACOGDOCHES, TX 75961
* $ n/a 4 $ 450,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 4 $ 690,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 4 $ 770,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 3 $ 625,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 3 $ 185,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 465,000
Progressive National Bank
300 WASHINGTON AVE
MANSFIELD, LA 71052
* $ n/a 3 $ 695,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 3 $ 715,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 3 $ 415,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 3 $ 695,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ n/a 3 $ 725,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 160,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 420,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 2 $ 170,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 230,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ n/a 2 $ 410,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 2 $ 460,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ n/a 2 $ 130,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 2 $ 780,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 2 $ 420,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 70,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 2 $ 570,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 2 $ 810,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 2 $ 680,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 1 $ 85,000
Texas Mortgage Lending, LLC
12515 RESEARCH BLVD BUILDING 5
AUSTIN, TX 78759
* $ n/a 1 $ 105,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 145,000
First State Bank
112 W POLK ST
LIVINGSTON, TX 77351
* $ n/a 1 $ 225,000
Radiant Credit Union
405 SE 2ND PLACE
GAINESVILLE, FL 32606
* $ n/a 1 $ 85,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 165,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 155,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 185,000
Five Star Bank
2240 DOUGLAS BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 2,955,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 1 $ 345,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ n/a 1 $ 115,000
New Wave Lending Group Inc
17700 CASTLETON ST. #268
CITY OF INDUSTRY, CA 91748
* $ n/a 1 $ 155,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 85,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 215,000
Verabank,N.A.
P.O. BOX 1009
HENDERSON, TX 75653
* $ n/a 1 $ 665,000
Citizens Bank and Trust Co
PO BOX 992
VIVIAN, LA 71082
* $ n/a 1 $ 65,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 1 $ 75,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 1 $ 155,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 95,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 385,000
K&G Capital Mortgage, LLC
3210 N FRAZIER ST
CONROE, TX 77303
* $ n/a 1 $ 245,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ n/a 1 $ 85,000
Fidelity Bank
353 CARONDELET ST
NEW ORLEANS, LA 70130
* $ n/a 1 $ 55,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 155,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ n/a 1 $ 275,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ n/a 1 $ 55,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 265,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 1 $ 155,000
Bay-Valley Mortgage Group
23320 FOOTHILL BLVD, SUITE 260
HAYWARD, CA 94541
* $ n/a 1 $ 155,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 85,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 1 $ 135,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 115,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 1 $ 245,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ n/a 1 $ 225,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ n/a 1 $ 5,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 275,000
Texas Bank and Trust
PO BOX 3188
LONGVIEW, TX 75601
* $ n/a 1 $ 195,000
Southside Bank
1201 S BECKHAM
TYLER, TX 75701
* $ n/a 1 $ 175,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 1 $ 135,000
East Texas Professional C.U.
409 E. LOOP 281
LONGVIEW, TX 75605
* $ n/a 1 $ 385,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 155,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 145,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 1 $ 135,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 1 $ 95,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 175,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 635,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 265,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 355,000
Mortgageone, Inc
2714 LOKER AVE WEST SUITE 300
CARLSBAD, CA 92010
* $ n/a 1 $ 5,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 305,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ n/a 1 $ 185,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 305,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 455,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 75,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 85,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 55,000
Ab Community Investment Company
3400 W MARSHALL AVE
LONGVIEW, TX 75604
* $ n/a 1 $ 35,000
Ubank
208 S US HIGHWAY 69
HUNTINGTON, TX 75949
* $ n/a 1 $ 185,000

The tables below break down 2025 mortgage applications in Shelby 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 Shelby County, TX in 2025

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 541 $87,355,000 $161,000 $805,000 $95,000 $1,308,000
Refinancing 60 $15,720,000 $262,000 $2,955,000 $110,000 $240,000
Cash-out Refinancing 35 $6,115,000 $174,000 $355,000 $86,000 $182,000
Other Purpose 24 $2,320,000 $96,000 $225,000 $76,000 $180,000
Home Improvement 21 $2,425,000 $115,000 $455,000 $134,000 $947,000
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 374 $63,680,000 $170,000 $805,000 $109,000 $1,308,000
Black or African American 125 $16,485,000 $131,000 $805,000 $67,000 $241,000
Hispanic 99 $14,905,000 $150,000 $385,000 $86,000 $666,000
Not applicable 39 $11,655,000 $298,000 $2,955,000 $269,000 $269,000
Not Provided 37 $6,095,000 $164,000 $455,000 $96,000 $600,000
Asian 5 $685,000 $137,000 $195,000 $38,000 $67,000
American Indian or Alaskan Native 2 $430,000 $215,000 $285,000 $56,000 $57,000
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) 562 $86,210,000 $153,000 $2,955,000 $96,000 $1,308,000
FHA-insured (Federal Housing Administration) 71 $15,025,000 $211,000 $395,000 $90,000 $340,000
VA-guaranteed (Veterans Administration) 37 $11,145,000 $301,000 $805,000 $116,000 $294,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,555,000 $141,000 $245,000 $89,000 $101,000

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 233 $46,885,000 $201,000 $2,955,000 $109,000 $1,308,000
Application Denied By Financial Institution 206 $27,410,000 $133,000 $455,000 $79,000 $947,000
File Closed For Incompleteness 81 $13,045,000 $161,000 $805,000 $98,000 $666,000
Application Withdrawn By Applicant 68 $11,300,000 $166,000 $655,000 $104,000 $600,000
Application Approved But Not Accepted 61 $8,175,000 $134,000 $345,000 $90,000 $240,000
Loan Purchased By The Institution 31 $6,855,000 $221,000 $525,000 $167,000 $269,000
Preapproval Approved but not Accepted 1 $265,000 $265,000 $265,000 $62,000 $62,000
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 432 $75,600,000 $175,000 $805,000 $100,000 $666,000
Debt-To-Income Ratio 105 $19,795,000 $188,000 $2,955,000 $93,000 $1,308,000
Credit History 96 $11,530,000 $120,000 $405,000 $84,000 $947,000
Collateral 14 $2,290,000 $163,000 $325,000 $115,000 $252,000
Unverifiable Information 10 $1,050,000 $105,000 $205,000 $66,000 $173,000
Other 9 $1,475,000 $163,000 $375,000 $88,000 $240,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,120,000 $140,000 $225,000 $82,000 $116,000
Credit Application Incomplete 6 $1,020,000 $170,000 $455,000 $100,000 $207,000
Employment History 1 $55,000 $55,000 $55,000 $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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