Sutton County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 79 mortgage applications in Sutton County, TX totaling $15.2 million, up 49% from 2023. The average application was for $192,000, and applicants reported an average income of $97,000. 47% of applications resulted in an originated loan and 23% were denied. The most active lender was The Bank & Trust, S.S.B., with 10 applications, followed by 21st Mortgage and Lakeview Loan Servicing, 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 | 79 |
| Total Mortgage Loan Application Amount | $15,245,000 |
| Average Mortgage Loan Application Amount | $192,000 |
| Highest Mortgage Loan Application Amount | $3,295,000 |
| Average Applicant Income | $97,000 |
| Highest Applicant Income | $393,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The Bank & Trust, S.S.B. 1200 VETERANS BLVD DEL RIO, TX 78840 |
* | $ n/a | 10 | $ 1,500,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 6 | $ 810,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 350,000 |
| The First National Bank of Sonora 5710 SHERWOOD WAY SONORA, TX 76950 |
* | $ n/a | 3 | $ 255,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ n/a | 3 | $ 435,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 1,055,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 3 | $ 265,000 |
| The Mortgage Link, Inc. 3 RESEARCH PL #100 ROCKVILLE, MD 20850 |
* | $ n/a | 3 | $ 775,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 300,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 650,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 2 | $ 220,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 2 | $ 360,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 260,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 360,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 195,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 125,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 105,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 95,000 |
| Directions Equity, LLC 2915 W BITTERS RD #102 SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 55,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 145,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 85,000 |
| Texas Partners Bank 1900 NW LOOP 410 SAN ANTONIO, TX 78213 |
* | $ n/a | 1 | $ 3,295,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ n/a | 1 | $ 285,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ n/a | 1 | $ 215,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 125,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 55,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 185,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 115,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 125,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 55,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 45,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ n/a | 1 | $ 35,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 1 | $ 55,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 1 | $ 465,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 145,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 1 | $ 45,000 |
The tables below break down 2024 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 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 | 62 | $12,570,000 | $202,000 | $3,295,000 | $98,000 | $393,000 |
| Refinancing | 9 | $1,875,000 | $208,000 | $645,000 | $105,000 | $158,000 |
| Cash-out Refinancing | 4 | $460,000 | $115,000 | $185,000 | $34,000 | $56,000 |
| Other Purpose | 3 | $215,000 | $71,000 | $125,000 | $79,000 | $160,000 |
| Home Improvement | 1 | $125,000 | $125,000 | $125,000 | $203,000 | $203,000 |
| 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 | 31 | $4,615,000 | $148,000 | $645,000 | $100,000 | $393,000 |
| White | 31 | $5,105,000 | $164,000 | $485,000 | $97,000 | $342,000 |
| Not applicable | 13 | $5,105,000 | $392,000 | $3,295,000 | $0 | $0 |
| Not Provided | 2 | $290,000 | $145,000 | $165,000 | $91,000 | $91,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $13,000 | $13,000 |
| Black or African American | 1 | $25,000 | $25,000 | $25,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 58 | $11,290,000 | $194,000 | $3,295,000 | $98,000 | $393,000 |
| FHA-insured (Federal Housing Administration) | 13 | $2,125,000 | $163,000 | $245,000 | $89,000 | $173,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,435,000 | $287,000 | $645,000 | $115,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $395,000 | $131,000 | $145,000 | $71,000 | $85,000 |
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 | 37 | $5,815,000 | $157,000 | $485,000 | $119,000 | $393,000 |
| Application Denied By Financial Institution | 18 | $2,880,000 | $160,000 | $645,000 | $66,000 | $175,000 |
| Loan Purchased By The Institution | 12 | $1,810,000 | $150,000 | $485,000 | $0 | $0 |
| Application Withdrawn By Applicant | 6 | $4,040,000 | $673,000 | $3,295,000 | $66,000 | $81,000 |
| Application Approved But Not Accepted | 4 | $350,000 | $87,000 | $95,000 | $79,000 | $175,000 |
| File Closed For Incompleteness | 2 | $350,000 | $175,000 | $185,000 | $86,000 | $91,000 |
| 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 | 51 | $7,725,000 | $151,000 | $485,000 | $105,000 | $393,000 |
| Debt-To-Income Ratio | 16 | $5,360,000 | $335,000 | $3,295,000 | $93,000 | $271,000 |
| Credit History | 7 | $1,215,000 | $173,000 | $645,000 | $56,000 | $90,000 |
| Other | 2 | $370,000 | $185,000 | $225,000 | $106,000 | $158,000 |
| Credit Application Incomplete | 2 | $490,000 | $245,000 | $295,000 | $68,000 | $84,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $175,000 | $175,000 |
| 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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