Upton County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 82 mortgage applications in Upton County, TX totaling $12.4 million, down 40% from 2023. The average application was for $150,000, and applicants reported an average income of $84,000. 34% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 20 applications, followed by Highlands Residential Mortgage, Ltd. and Triad Financial Services, Inc..
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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 | 82 |
| Total Mortgage Loan Application Amount | $12,370,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $220,000 |
| 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 | $ 2,350,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 9 | $ 1,855,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 5 | $ 605,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 5 | $ 555,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 585,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 3 | $ 495,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 2 | $ 140,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 2 | $ 290,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 2 | $ 260,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 570,000 |
| Encompass Lending Group, L.P. 23108 SEVEN MEADOWS PKWY SUITE 100 KATY, TX 77494 |
* | $ n/a | 2 | $ 180,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 110,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 200,000 |
| American Momentum Bank 4830 W. KENNEDY BLVD. SUITE 200 COLLEGE STATION, TX 77845 |
* | $ n/a | 2 | $ 350,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 460,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 480,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 365,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 175,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 85,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 135,000 |
| Mortgageone, Inc 2714 LOKER AVE WEST SUITE 300 CARLSBAD, CA 92010 |
* | $ n/a | 1 | $ 515,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 295,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ n/a | 1 | $ 75,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 5,000 |
| Transpecos Banks, SSB - Pecos, Tx 112 E. PECAN STREET SUITE 800 SAN ANTONIO, TX 78205 |
* | $ n/a | 1 | $ 175,000 |
| 1st Community Federal Credit Union 3505 WILDEWOOD DRIVE SAN ANGELO, TX 76904 |
* | $ n/a | 1 | $ 65,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2024 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 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 | 65 | $9,495,000 | $146,000 | $395,000 | $86,000 | $220,000 |
| Cash-out Refinancing | 8 | $1,720,000 | $215,000 | $515,000 | $68,000 | $144,000 |
| Refinancing | 6 | $980,000 | $163,000 | $265,000 | $88,000 | $97,000 |
| Other Purpose | 3 | $175,000 | $58,000 | $65,000 | $81,000 | $98,000 |
| 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 | 36 | $5,390,000 | $149,000 | $515,000 | $85,000 | $220,000 |
| Hispanic | 24 | $3,610,000 | $150,000 | $295,000 | $79,000 | $172,000 |
| Not Provided | 12 | $1,250,000 | $104,000 | $255,000 | $82,000 | $168,000 |
| Not applicable | 8 | $1,640,000 | $205,000 | $395,000 | $0 | $0 |
| Asian | 1 | $85,000 | $85,000 | $85,000 | $43,000 | $43,000 |
| Black or African American | 1 | $395,000 | $395,000 | $395,000 | $219,000 | $219,000 |
| 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) | 51 | $5,935,000 | $116,000 | $275,000 | $77,000 | $220,000 |
| FHA-insured (Federal Housing Administration) | 23 | $4,885,000 | $212,000 | $395,000 | $103,000 | $219,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $665,000 | $133,000 | $165,000 | $85,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 3 | $885,000 | $295,000 | $515,000 | $86,000 | $133,000 |
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 | 28 | $4,640,000 | $165,000 | $515,000 | $104,000 | $220,000 |
| Application Denied By Financial Institution | 20 | $2,430,000 | $121,000 | $255,000 | $64,000 | $120,000 |
| Application Withdrawn By Applicant | 14 | $2,220,000 | $158,000 | $275,000 | $88,000 | $168,000 |
| Loan Purchased By The Institution | 8 | $1,640,000 | $205,000 | $395,000 | $0 | $0 |
| File Closed For Incompleteness | 7 | $975,000 | $139,000 | $265,000 | $81,000 | $168,000 |
| Application Approved But Not Accepted | 5 | $465,000 | $93,000 | $185,000 | $40,000 | $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 | 61 | $9,665,000 | $158,000 | $515,000 | $91,000 | $220,000 |
| Credit History | 9 | $1,045,000 | $116,000 | $215,000 | $66,000 | $104,000 |
| Debt-To-Income Ratio | 7 | $1,015,000 | $145,000 | $275,000 | $62,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $390,000 | $195,000 | $255,000 | $120,000 | $120,000 |
| Unverifiable Information | 2 | $200,000 | $100,000 | $105,000 | $25,000 | $51,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $98,000 | $98,000 |
| Collateral | 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 |
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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