Terrell County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 14 mortgage applications in Terrell County, TX totaling $1.4 million, down 42% from 2022. The average application was for $99,000, and applicants reported an average income of $123,000. 43% of applications resulted in an originated loan and 29% were denied. The most active lender was 21st Mortgage, with 2 applications, followed by American Financing Corporation and 5star Bank.
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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 | 14 |
| Total Mortgage Loan Application Amount | $1,390,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $275,000 |
| Average Applicant Income | $123,000 |
| Highest Applicant Income | $331,000 |
| 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 | 2 | $ 180,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 115,000 |
| 5star Bank 104 S CASCADE AVE, STE 102 COLORADO SPRINGS, CO 80903 |
* | $ 360,036,000 | 1 | $ 55,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 362,047,000 | 1 | $ 55,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 175,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 275,000 |
| Loanpeople, LLC 3420 EXECUTIVE CENTER DR #G100 AUSTIN, TX 78731 |
* | $ -1,000 | 1 | $ 65,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 85,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 55,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 95,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 95,000 |
| Pecos County State Bank 500 N MAIN ST FORT STOCKTON, TX 79735 |
* | $ 328,592,000 | 1 | $ 55,000 |
The tables below break down 2023 mortgage applications in Terrell 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 Terrell 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 | 9 | $995,000 | $110,000 | $275,000 | $147,000 | $331,000 |
| Other Purpose | 2 | $110,000 | $55,000 | $55,000 | $121,000 | $123,000 |
| Refinancing | 2 | $110,000 | $55,000 | $55,000 | $25,000 | $32,000 |
| Cash-out Refinancing | 1 | $175,000 | $175,000 | $175,000 | $135,000 | $135,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 9 | $915,000 | $101,000 | $275,000 | $107,000 | $213,000 |
| Hispanic | 2 | $230,000 | $115,000 | $175,000 | $129,000 | $135,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $51,000 | $51,000 |
| Not applicable | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Not Provided | 1 | $75,000 | $75,000 | $75,000 | $331,000 | $331,000 |
| 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 |
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) | 10 | $830,000 | $83,000 | $175,000 | $124,000 | $331,000 |
| VA-guaranteed (Veterans Administration) | 4 | $560,000 | $140,000 | $275,000 | $120,000 | $213,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 6 | $390,000 | $65,000 | $85,000 | $121,000 | $331,000 |
| Application Denied By Financial Institution | 4 | $610,000 | $152,000 | $275,000 | $113,000 | $135,000 |
| Application Approved But Not Accepted | 2 | $210,000 | $105,000 | $115,000 | $158,000 | $213,000 |
| Application Withdrawn By Applicant | 1 | $95,000 | $95,000 | $95,000 | $104,000 | $104,000 |
| Loan Purchased By The Institution | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 9 | $725,000 | $80,000 | $115,000 | $128,000 | $331,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $380,000 | $190,000 | $275,000 | $100,000 | $104,000 |
| Debt-To-Income Ratio | 2 | $110,000 | $55,000 | $55,000 | $121,000 | $123,000 |
| Collateral | 1 | $175,000 | $175,000 | $175,000 | $135,000 | $135,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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