Sutton County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 53 mortgage applications in Sutton County, TX totaling $13.2 million, down 9% from 2022. The average application was for $248,000, and applicants reported an average income of $104,000. 45% of applications resulted in an originated loan and 21% were denied. The most active lender was 21st Mortgage, with 5 applications, followed by The Bank & Trust, S.S.B. and Planet Home Lending, LLC.
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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 | 53 |
| Total Mortgage Loan Application Amount | $13,185,000 |
| Average Mortgage Loan Application Amount | $248,000 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $365,000 |
| 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 |
* | $ -1,000 | 5 | $ 695,000 |
| The Bank & Trust, S.S.B. 1200 VETERANS BLVD DEL RIO, TX 78840 |
* | $ 543,664,000 | 5 | $ 4,755,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 405,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ 570,735,000 | 3 | $ 165,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 2 | $ 470,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 570,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 350,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 310,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 280,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 55,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 12,922,116,000 | 1 | $ 175,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 135,000 |
| Pilgrim Mortgage LLC 1270 N LOOP 1604 E STE 1101 SAN ANTONIO, TX 78232 |
* | $ -1,000 | 1 | $ 245,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 1 | $ 75,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 1 | $ 185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 155,000 |
| The Mortgage Link, Inc. 3 RESEARCH PL #100 ROCKVILLE, MD 20850 |
* | $ -1,000 | 1 | $ 175,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 245,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 1 | $ 555,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 95,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 205,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 215,000 |
| Round Top State Bank 301 N WASHINGTON ROUND TOP, TX 78954 |
* | $ 854,876,000 | 1 | $ 255,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 145,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 375,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 165,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 155,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 305,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 95,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2023 mortgage applications in Sutton 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 Sutton 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 | 47 | $12,155,000 | $258,000 | $3,805,000 | $105,000 | $365,000 |
| Cash-out Refinancing | 4 | $800,000 | $200,000 | $375,000 | $104,000 | $152,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $166,000 | $166,000 |
| Refinancing | 1 | $145,000 | $145,000 | $145,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 22 | $3,910,000 | $177,000 | $395,000 | $125,000 | $365,000 |
| Hispanic | 19 | $3,205,000 | $168,000 | $375,000 | $85,000 | $324,000 |
| Not applicable | 8 | $5,020,000 | $627,000 | $3,805,000 | $0 | $0 |
| Not Provided | 4 | $1,050,000 | $262,000 | $555,000 | $80,000 | $125,000 |
| 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) | 36 | $10,380,000 | $288,000 | $3,805,000 | $122,000 | $365,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,810,000 | $181,000 | $305,000 | $67,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 7 | $995,000 | $142,000 | $185,000 | $46,000 | $58,000 |
| 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 | 24 | $8,120,000 | $338,000 | $3,805,000 | $116,000 | $365,000 |
| Application Denied By Financial Institution | 11 | $1,675,000 | $152,000 | $285,000 | $106,000 | $222,000 |
| Application Withdrawn By Applicant | 7 | $1,675,000 | $239,000 | $555,000 | $81,000 | $132,000 |
| Loan Purchased By The Institution | 6 | $1,000,000 | $166,000 | $245,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $715,000 | $143,000 | $165,000 | $71,000 | $150,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $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 | 36 | $6,500,000 | $180,000 | $555,000 | $90,000 | $324,000 |
| Debt-To-Income Ratio | 9 | $5,575,000 | $619,000 | $3,805,000 | $153,000 | $365,000 |
| Credit History | 5 | $685,000 | $137,000 | $285,000 | $94,000 | $190,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $97,000 | $97,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $222,000 | $222,000 |
| Credit Application Incomplete | 1 | $215,000 | $215,000 | $215,000 | $59,000 | $59,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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