Terry County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 239 mortgage applications in Terry County, TX totaling $36.6 million, down 10% from 2023. The average application was for $153,000, and applicants reported an average income of $103,000. 33% of applications resulted in an originated loan and 29% were denied. The most active lender was 21st Mortgage, with 47 applications, followed by Prosperity Bank 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 | 239 |
| Total Mortgage Loan Application Amount | $36,615,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $625,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $1,736,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 47 | $ 5,875,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 21 | $ 2,295,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 9 | $ 1,335,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 8 | $ 1,360,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 8 | $ 800,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 1,725,000 |
| Alliance Credit Union 8401 QUAKER AVE LUBBOCK, TX 79424 |
* | $ n/a | 7 | $ 1,205,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 7 | $ 965,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ n/a | 7 | $ 1,615,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 7 | $ 1,205,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 380,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 5 | $ 1,065,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 5 | $ 1,275,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 5 | $ 605,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 5 | $ 675,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 5 | $ 535,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 875,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 510,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ n/a | 4 | $ 350,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 850,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 4 | $ 440,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ n/a | 3 | $ 675,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 3 | $ 405,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 505,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 885,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 595,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 570,000 |
| The Mortgage Link, Inc. 3 RESEARCH PL #100 ROCKVILLE, MD 20850 |
* | $ n/a | 2 | $ 330,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 260,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 170,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 390,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 2 | $ 350,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 2 | $ 310,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 470,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ n/a | 1 | $ 45,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 145,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 105,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 365,000 |
| The Bank & Trust, S.S.B. 1200 VETERANS BLVD DEL RIO, TX 78840 |
* | $ n/a | 1 | $ 625,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 295,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 145,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 145,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 75,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 185,000 |
| Citizens State Bank 224 MAIN ST ANTON, TX 79313 |
* | $ n/a | 1 | $ 75,000 |
| Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50TH ST LUBBOCK, TX 79413 |
* | $ n/a | 1 | $ 175,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 115,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 195,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 135,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 45,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 1 | $ 195,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ n/a | 1 | $ 215,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 85,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ n/a | 1 | $ 5,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 395,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ n/a | 1 | $ 35,000 |
The tables below break down 2024 mortgage applications in Terry 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 Terry 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 | 184 | $28,730,000 | $156,000 | $625,000 | $105,000 | $1,736,000 |
| Refinancing | 21 | $3,455,000 | $164,000 | $395,000 | $74,000 | $156,000 |
| Cash-out Refinancing | 13 | $2,075,000 | $159,000 | $285,000 | $94,000 | $260,000 |
| Home Improvement | 12 | $880,000 | $73,000 | $265,000 | $99,000 | $405,000 |
| Other Purpose | 9 | $1,475,000 | $163,000 | $305,000 | $131,000 | $470,000 |
| 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 | 84 | $13,990,000 | $166,000 | $395,000 | $130,000 | $1,736,000 |
| Hispanic | 70 | $9,160,000 | $130,000 | $295,000 | $80,000 | $405,000 |
| Not applicable | 44 | $7,640,000 | $173,000 | $625,000 | $132,000 | $132,000 |
| Not Provided | 35 | $4,995,000 | $142,000 | $305,000 | $87,000 | $470,000 |
| Black or African American | 5 | $755,000 | $151,000 | $275,000 | $78,000 | $144,000 |
| Asian | 1 | $75,000 | $75,000 | $75,000 | $85,000 | $85,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 169 | $23,415,000 | $138,000 | $625,000 | $102,000 | $1,736,000 |
| FHA-insured (Federal Housing Administration) | 47 | $9,165,000 | $195,000 | $365,000 | $104,000 | $279,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,850,000 | $178,000 | $255,000 | $108,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,185,000 | $169,000 | $195,000 | $92,000 | $103,000 |
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 | 79 | $13,885,000 | $175,000 | $625,000 | $106,000 | $314,000 |
| Application Denied By Financial Institution | 69 | $8,675,000 | $125,000 | $305,000 | $100,000 | $1,736,000 |
| Loan Purchased By The Institution | 39 | $6,675,000 | $171,000 | $395,000 | $149,000 | $222,000 |
| File Closed For Incompleteness | 25 | $3,505,000 | $140,000 | $305,000 | $103,000 | $470,000 |
| Application Withdrawn By Applicant | 20 | $2,820,000 | $141,000 | $335,000 | $91,000 | $180,000 |
| Application Approved But Not Accepted | 6 | $910,000 | $151,000 | $215,000 | $101,000 | $165,000 |
| Preapproval Denied by Financial Institution | 1 | $145,000 | $145,000 | $145,000 | $112,000 | $112,000 |
| Preapproval Approved but not Accepted | 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 | 167 | $27,095,000 | $162,000 | $395,000 | $104,000 | $470,000 |
| Debt-To-Income Ratio | 27 | $3,935,000 | $145,000 | $625,000 | $48,000 | $137,000 |
| Credit History | 26 | $3,130,000 | $120,000 | $295,000 | $99,000 | $600,000 |
| Unverifiable Information | 5 | $645,000 | $129,000 | $195,000 | $78,000 | $130,000 |
| Credit Application Incomplete | 5 | $615,000 | $123,000 | $155,000 | $89,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $665,000 | $133,000 | $185,000 | $401,000 | $1,736,000 |
| Collateral | 3 | $445,000 | $148,000 | $295,000 | $68,000 | $175,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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