Upton County, TX Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 92 mortgage applications in Upton County, TX totaling $12.9 million, down 19% from 2020. The average application was for $140,000, and applicants reported an average income of $95,000. 39% of applications resulted in an originated loan and 21% were denied. The most active lender was 21st Mortgage, with 11 applications, followed by Freedom Mortgage Corporation and Goodleap, 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 | 92 |
| Total Mortgage Loan Application Amount | $12,920,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $325,000 |
| Average Applicant Income | $95,000 |
| Highest Applicant Income | $593,000 |
* 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 |
* | $ -1,000 | 11 | $ 1,115,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 560,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 4 | $ 460,000 |
| American Momentum Bank 4830 W. KENNEDY BLVD. SUITE 200 COLLEGE STATION, TX 77845 |
* | $ 1,741,998,000 | 4 | $ 570,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 3 | $ 405,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 275,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 515,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 270,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 360,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 310,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 2 | $ 170,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ -1,000 | 2 | $ 310,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 400,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 330,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 180,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 2 | $ 240,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 2 | $ 240,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,235,138,000 | 2 | $ 320,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 8,228,226,000 | 2 | $ 100,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 235,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 1 | $ 325,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 195,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 175,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 75,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 115,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 187,526,000 | 1 | $ 325,000 |
| Southwest Bank 4800 E. 42ND STREET ODESSA, TX 79762 |
* | $ 456,302,000 | 1 | $ 225,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 165,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 95,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 85,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 225,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 1 | $ 235,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 549,498,000 | 1 | $ 95,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 185,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 135,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 115,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ 281,426,000 | 1 | $ 45,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 45,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 155,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 1 | $ 235,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 125,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 165,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 1 | $ 195,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ 34,105,305,000 | 1 | $ 25,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 1 | $ 75,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 195,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 55,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 225,000 |
The tables below break down 2021 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 2021
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 | 58 | $8,540,000 | $147,000 | $325,000 | $96,000 | $593,000 |
| Refinancing | 16 | $2,300,000 | $143,000 | $235,000 | $87,000 | $225,000 |
| Cash-out Refinancing | 13 | $1,745,000 | $134,000 | $255,000 | $96,000 | $160,000 |
| Not Applicable | 2 | $180,000 | $90,000 | $105,000 | $0 | $0 |
| Other Purpose | 2 | $80,000 | $40,000 | $55,000 | $92,000 | $133,000 |
| Home Improvement | 1 | $75,000 | $75,000 | $75,000 | $85,000 | $85,000 |
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 | 37 | $5,385,000 | $145,000 | $325,000 | $90,000 | $239,000 |
| Hispanic | 26 | $3,450,000 | $132,000 | $275,000 | $123,000 | $593,000 |
| Not Provided | 19 | $2,515,000 | $132,000 | $255,000 | $74,000 | $160,000 |
| Not applicable | 8 | $1,380,000 | $172,000 | $325,000 | $0 | $0 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $30,000 | $30,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
| Asian | 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) | 55 | $6,395,000 | $116,000 | $265,000 | $103,000 | $593,000 |
| FHA-insured (Federal Housing Administration) | 28 | $5,070,000 | $181,000 | $325,000 | $73,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,455,000 | $161,000 | $275,000 | $92,000 | $134,000 |
| 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 | 36 | $5,060,000 | $140,000 | $325,000 | $96,000 | $593,000 |
| Application Denied By Financial Institution | 19 | $2,735,000 | $143,000 | $265,000 | $97,000 | $239,000 |
| Application Withdrawn By Applicant | 14 | $1,760,000 | $125,000 | $265,000 | $82,000 | $133,000 |
| File Closed For Incompleteness | 13 | $1,545,000 | $118,000 | $165,000 | $90,000 | $200,000 |
| Loan Purchased By The Institution | 7 | $1,305,000 | $186,000 | $325,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $515,000 | $171,000 | $235,000 | $152,000 | $225,000 |
| 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 | 72 | $10,110,000 | $140,000 | $325,000 | $94,000 | $593,000 |
| Debt-To-Income Ratio | 7 | $1,115,000 | $159,000 | $235,000 | $86,000 | $173,000 |
| Credit Application Incomplete | 3 | $385,000 | $128,000 | $195,000 | $108,000 | $149,000 |
| Credit History | 2 | $130,000 | $65,000 | $115,000 | $109,000 | $134,000 |
| Other | 2 | $360,000 | $180,000 | $205,000 | $98,000 | $146,000 |
| Unverifiable Information | 2 | $150,000 | $75,000 | $85,000 | $63,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $220,000 | $110,000 | $135,000 | $148,000 | $239,000 |
| Collateral | 2 | $450,000 | $225,000 | $265,000 | $92,000 | $112,000 |
| 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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