Upton County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 105 mortgage applications in Upton County, TX totaling $15.5 million, up 28% from 2024. The average application was for $147,000, and applicants reported an average income of $97,000. 33% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 20 applications, followed by Triad Financial Services, Inc. and Highlands Residential Mortgage, Ltd..
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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 | 105 |
| Total Mortgage Loan Application Amount | $15,465,000 |
| Average Mortgage Loan Application Amount | $147,000 |
| Highest Mortgage Loan Application Amount | $525,000 |
| Average Applicant Income | $97,000 |
| Highest Applicant Income | $389,000 |
| 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 |
* | $ n/a | 20 | $ 2,610,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 11 | $ 1,195,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 8 | $ 1,300,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 1,380,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 5 | $ 795,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 760,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 500,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 4 | $ 390,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 410,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 745,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 3 | $ 485,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 3 | $ 545,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 2 | $ 130,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 390,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 270,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 195,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ n/a | 1 | $ 155,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 185,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 75,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 55,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 225,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 125,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 105,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ n/a | 1 | $ 225,000 |
| Directions Equity, LLC 2915 W BITTERS RD #102 SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 145,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 65,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ n/a | 1 | $ 75,000 |
| American Momentum Bank 4830 W. KENNEDY BLVD. SUITE 200 COLLEGE STATION, TX 77845 |
* | $ n/a | 1 | $ 125,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 225,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ n/a | 1 | $ 285,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 1 | $ 85,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 275,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 135,000 |
The tables below break down 2025 mortgage applications in Upton 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 Upton County, TX in 2025
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 | 81 | $11,155,000 | $137,000 | $305,000 | $88,000 | $250,000 |
| Cash-out Refinancing | 10 | $1,700,000 | $170,000 | $285,000 | $105,000 | $188,000 |
| Refinancing | 8 | $1,750,000 | $218,000 | $525,000 | $95,000 | $122,000 |
| Other Purpose | 6 | $860,000 | $143,000 | $225,000 | $188,000 | $389,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 48 | $6,650,000 | $138,000 | $285,000 | $86,000 | $250,000 |
| White | 35 | $5,465,000 | $156,000 | $525,000 | $118,000 | $389,000 |
| Not applicable | 11 | $1,595,000 | $145,000 | $225,000 | $0 | $0 |
| Not Provided | 5 | $845,000 | $169,000 | $285,000 | $110,000 | $179,000 |
| Asian | 5 | $515,000 | $103,000 | $115,000 | $50,000 | $70,000 |
| Black or African American | 1 | $395,000 | $395,000 | $395,000 | $0 | $0 |
| 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) | 71 | $8,635,000 | $121,000 | $285,000 | $99,000 | $389,000 |
| FHA-insured (Federal Housing Administration) | 21 | $3,935,000 | $187,000 | $395,000 | $95,000 | $179,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,290,000 | $229,000 | $525,000 | $79,000 | $164,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $605,000 | $201,000 | $215,000 | $97,000 | $107,000 |
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 | 35 | $6,305,000 | $180,000 | $525,000 | $106,000 | $179,000 |
| Application Denied By Financial Institution | 29 | $3,285,000 | $113,000 | $205,000 | $81,000 | $171,000 |
| File Closed For Incompleteness | 11 | $1,665,000 | $151,000 | $395,000 | $81,000 | $250,000 |
| Loan Purchased By The Institution | 11 | $1,595,000 | $145,000 | $225,000 | $0 | $0 |
| Application Approved But Not Accepted | 10 | $1,340,000 | $134,000 | $225,000 | $102,000 | $389,000 |
| Application Withdrawn By Applicant | 9 | $1,275,000 | $141,000 | $285,000 | $129,000 | $389,000 |
| 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 | 74 | $11,980,000 | $161,000 | $525,000 | $103,000 | $389,000 |
| Credit History | 13 | $1,585,000 | $121,000 | $165,000 | $74,000 | $135,000 |
| Debt-To-Income Ratio | 7 | $785,000 | $112,000 | $205,000 | $101,000 | $161,000 |
| Other | 4 | $570,000 | $142,000 | $175,000 | $120,000 | $171,000 |
| Collateral | 4 | $320,000 | $80,000 | $115,000 | $88,000 | $120,000 |
| Employment History | 2 | $180,000 | $90,000 | $175,000 | $66,000 | $88,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
| Credit Application Incomplete | 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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