Stephens County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 223 mortgage applications in Stephens County, TX totaling $38.5 million, down 11% from 2023. The average application was for $172,000, and applicants reported an average income of $122,000. 47% of applications resulted in an originated loan and 23% were denied. The most active lender was Clear Fork Bank N.A., with 39 applications, followed by 21st Mortgage and Interbank.
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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 | 223 |
| Total Mortgage Loan Application Amount | $38,485,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $122,000 |
| Highest Applicant Income | $3,136,000 |
* 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 |
|---|---|---|---|---|
| Clear Fork Bank N.A. 100 S MAIN ST ALBANY, TX 76430 |
* | $ n/a | 39 | $ 4,825,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 20 | $ 2,720,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ n/a | 12 | $ 1,440,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 9 | $ 1,405,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ n/a | 9 | $ 1,965,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 8 | $ 1,750,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 7 | $ 1,555,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 5 | $ 435,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 400,000 |
| Texasbank 400 FISK AVE BROWNWOOD, TX 76801 |
* | $ n/a | 4 | $ 740,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 4 | $ 810,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 3,290,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 300,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 3 | $ 525,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 300,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 2 | $ 510,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 470,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ n/a | 2 | $ 450,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 380,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 2 | $ 310,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 150,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ n/a | 2 | $ 220,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 2 | $ 1,080,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 230,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 190,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 480,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 270,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 550,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 340,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 280,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 190,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ n/a | 1 | $ 65,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ n/a | 1 | $ 15,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 205,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 195,000 |
| Abilene Teachers FCU P.O. BOX 5706 ABILENE, TX 79606 |
* | $ n/a | 1 | $ 95,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 115,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ n/a | 1 | $ 95,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 155,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 165,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 315,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ n/a | 1 | $ 135,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 465,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 1 | $ 15,000 |
| Fort Worth Community Credit Union 1905 FOREST RIDGE DR BEDFORD, TX 76021 |
* | $ n/a | 1 | $ 15,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 255,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 145,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 1 | $ 335,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 1 | $ 195,000 |
| Fort Worth City Credit Union 2309 MONTGOMERY STREET FORT WORTH, TX 76107 |
* | $ n/a | 1 | $ 375,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 185,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 125,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 55,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 165,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 195,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 35,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 225,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 305,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 1 | $ 125,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 295,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 205,000 |
| Valley West Corporation 8010 W SAHARA AVE SUITE #140 LAS VEGAS, NV 89117 |
* | $ n/a | 1 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 95,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ n/a | 1 | $ 115,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 165,000 |
| Commercial Bank of Texas, NA 215 E MAIN ST NACOGDOCHES, TX 75961 |
* | $ n/a | 1 | $ 315,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 365,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 25,000 |
The tables below break down 2024 mortgage applications in Stephens 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 Stephens 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 | 139 | $26,365,000 | $189,000 | $1,505,000 | $129,000 | $3,136,000 |
| Refinancing | 36 | $7,060,000 | $196,000 | $465,000 | $108,000 | $248,000 |
| Cash-out Refinancing | 18 | $2,720,000 | $151,000 | $475,000 | $99,000 | $364,000 |
| Home Improvement | 17 | $1,165,000 | $68,000 | $245,000 | $145,000 | $416,000 |
| Other Purpose | 13 | $1,175,000 | $90,000 | $185,000 | $84,000 | $204,000 |
| 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 | 136 | $25,100,000 | $184,000 | $1,505,000 | $132,000 | $3,136,000 |
| Hispanic | 43 | $5,125,000 | $119,000 | $265,000 | $98,000 | $236,000 |
| Not Provided | 20 | $3,790,000 | $189,000 | $535,000 | $118,000 | $248,000 |
| Not applicable | 16 | $3,120,000 | $195,000 | $335,000 | $48,000 | $48,000 |
| Asian | 5 | $1,055,000 | $211,000 | $465,000 | $99,000 | $157,000 |
| American Indian or Alaskan Native | 2 | $250,000 | $125,000 | $135,000 | $75,000 | $85,000 |
| Black or African American | 1 | $45,000 | $45,000 | $45,000 | $70,000 | $70,000 |
| 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) | 172 | $24,810,000 | $144,000 | $1,025,000 | $128,000 | $3,136,000 |
| VA-guaranteed (Veterans Administration) | 26 | $9,160,000 | $352,000 | $1,505,000 | $97,000 | $205,000 |
| FHA-insured (Federal Housing Administration) | 19 | $3,735,000 | $196,000 | $415,000 | $88,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $780,000 | $130,000 | $165,000 | $77,000 | $91,000 |
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 | 104 | $19,790,000 | $190,000 | $1,505,000 | $141,000 | $3,136,000 |
| Application Denied By Financial Institution | 51 | $5,775,000 | $113,000 | $265,000 | $92,000 | $400,000 |
| Application Withdrawn By Applicant | 33 | $5,535,000 | $167,000 | $375,000 | $107,000 | $248,000 |
| File Closed For Incompleteness | 14 | $1,890,000 | $135,000 | $215,000 | $108,000 | $229,000 |
| Loan Purchased By The Institution | 12 | $2,500,000 | $208,000 | $335,000 | $48,000 | $48,000 |
| Application Approved But Not Accepted | 9 | $2,995,000 | $332,000 | $1,505,000 | $153,000 | $364,000 |
| 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 | 172 | $32,710,000 | $190,000 | $1,505,000 | $132,000 | $3,136,000 |
| Debt-To-Income Ratio | 18 | $2,000,000 | $111,000 | $265,000 | $75,000 | $345,000 |
| Collateral | 12 | $1,240,000 | $103,000 | $195,000 | $127,000 | $400,000 |
| Credit History | 10 | $1,320,000 | $132,000 | $255,000 | $67,000 | $196,000 |
| Credit Application Incomplete | 6 | $700,000 | $116,000 | $215,000 | $106,000 | $168,000 |
| Other | 4 | $410,000 | $102,000 | $205,000 | $86,000 | $124,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $134,000 | $134,000 |
| 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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