Ward County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 421 mortgage applications in Ward County, TX totaling $70.0 million, down 3% from 2022. The average application was for $166,000, and applicants reported an average income of $93,000. 28% of applications resulted in an originated loan and 33% were denied. The most active lender was 21st Mortgage, with 95 applications, followed by Triad Financial Services, Inc. and Vanderbilt Mortgage and Finance, 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 | 421 |
| Total Mortgage Loan Application Amount | $69,985,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $399,000 |
* 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 | 95 | $ 12,835,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 24 | $ 3,090,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 20 | $ 2,010,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 19 | $ 2,445,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 14 | $ 1,340,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 14 | $ 3,440,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 13 | $ 2,075,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 12 | $ 1,340,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 10 | $ 1,880,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 10 | $ 2,360,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,942,106,000 | 10 | $ 2,320,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 647,325,000 | 9 | $ 1,775,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 8 | $ 1,700,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 7 | $ 1,865,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 6 | $ 1,780,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 1,300,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,520,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 6 | $ 1,460,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 6 | $ 1,130,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 5 | $ 1,075,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 5 | $ 625,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 790,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 780,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 830,000 |
| American Momentum Bank 4830 W. KENNEDY BLVD. SUITE 200 COLLEGE STATION, TX 77845 |
* | $ 2,833,412,000 | 4 | $ 380,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 3 | $ 375,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 3 | $ 695,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 495,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 455,000 |
| American Bank of Commerce 530 US 62 FRONTAGE RD WOLFFORTH, TX 79382 |
* | $ 1,521,301,000 | 3 | $ 625,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 3 | $ 285,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 3 | $ 535,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 605,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 2,725,398,000 | 2 | $ 350,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ -1,000 | 2 | $ 320,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 360,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 270,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 450,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 4,554,611,000 | 2 | $ 90,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 2 | $ 420,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 2 | $ 440,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 2 | $ 270,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ 52,953,767,000 | 2 | $ 260,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 390,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 190,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 360,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 265,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 255,000 |
| Greenbox Loans 3250 WILSHIRE BLVD., SUITE 1900 LOS ANGELES, CA 90010 |
* | $ -1,000 | 1 | $ 205,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 305,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 305,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 115,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 105,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 385,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 205,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 225,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 335,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 4,855,114,000 | 1 | $ 165,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 285,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 35,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 45,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 165,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 195,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 175,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 1 | $ 335,000 |
| First Basin Credit Union 2740 NORTH COUNTY ROAD WEST ODESSA, TX 79764 |
* | $ 324,483,000 | 1 | $ 305,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 105,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 245,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 89,544,919,000 | 1 | $ 15,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 355,000 |
| Primis Bank GLEN ALLEN, VA 23060 |
* | $ -1,000 | 1 | $ 185,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 175,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 105,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 175,000 |
| Clear Fork Bank N.A. 100 S MAIN ST ALBANY, TX 76430 |
* | $ 705,466,000 | 1 | $ 155,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ -1,000 | 1 | $ 215,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ 2,057,791,000 | 1 | $ 55,000 |
| Legend Lending Corporation 17047 EL CAMINO REAL, SUITE 150 HOUSTON, TX 77058 |
* | $ -1,000 | 1 | $ 65,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 175,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 285,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 135,000 |
The tables below break down 2023 mortgage applications in Ward 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 Ward 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 | 370 | $62,290,000 | $168,000 | $485,000 | $91,000 | $399,000 |
| Cash-out Refinancing | 21 | $4,055,000 | $193,000 | $485,000 | $102,000 | $212,000 |
| Home Improvement | 13 | $935,000 | $71,000 | $155,000 | $137,000 | $263,000 |
| Refinancing | 9 | $1,535,000 | $170,000 | $245,000 | $92,000 | $185,000 |
| Other Purpose | 7 | $1,035,000 | $147,000 | $355,000 | $88,000 | $135,000 |
| Not Applicable | 1 | $135,000 | $135,000 | $135,000 | $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 | 210 | $36,380,000 | $173,000 | $485,000 | $89,000 | $306,000 |
| White | 111 | $17,975,000 | $161,000 | $395,000 | $103,000 | $329,000 |
| Not applicable | 50 | $8,710,000 | $174,000 | $485,000 | $140,000 | $140,000 |
| Not Provided | 33 | $4,925,000 | $149,000 | $355,000 | $96,000 | $399,000 |
| Black or African American | 16 | $1,940,000 | $121,000 | $305,000 | $65,000 | $142,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $123,000 | $123,000 |
| 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) | 310 | $44,250,000 | $142,000 | $485,000 | $90,000 | $399,000 |
| FHA-insured (Federal Housing Administration) | 98 | $22,790,000 | $232,000 | $485,000 | $104,000 | $306,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,335,000 | $259,000 | $385,000 | $80,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $610,000 | $152,000 | $225,000 | $60,000 | $84,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 137 | $20,635,000 | $150,000 | $485,000 | $80,000 | $305,000 |
| Loan Originated | 119 | $22,525,000 | $189,000 | $485,000 | $105,000 | $399,000 |
| Application Withdrawn By Applicant | 55 | $9,655,000 | $175,000 | $355,000 | $98,000 | $329,000 |
| Loan Purchased By The Institution | 46 | $8,020,000 | $174,000 | $485,000 | $140,000 | $140,000 |
| File Closed For Incompleteness | 37 | $5,385,000 | $145,000 | $295,000 | $89,000 | $263,000 |
| Application Approved But Not Accepted | 25 | $3,135,000 | $125,000 | $305,000 | $87,000 | $281,000 |
| Preapproval Approved but not Accepted | 2 | $630,000 | $315,000 | $365,000 | $223,000 | $306,000 |
| 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 | 277 | $48,115,000 | $173,000 | $485,000 | $99,000 | $399,000 |
| Credit History | 69 | $10,035,000 | $145,000 | $315,000 | $79,000 | $168,000 |
| Debt-To-Income Ratio | 46 | $6,930,000 | $150,000 | $445,000 | $71,000 | $241,000 |
| Collateral | 9 | $1,575,000 | $175,000 | $355,000 | $141,000 | $305,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $915,000 | $130,000 | $195,000 | $90,000 | $152,000 |
| Unverifiable Information | 5 | $605,000 | $121,000 | $275,000 | $61,000 | $135,000 |
| Credit Application Incomplete | 4 | $840,000 | $210,000 | $485,000 | $133,000 | $212,000 |
| Other | 2 | $590,000 | $295,000 | $435,000 | $110,000 | $155,000 |
| Mortgage Insurance Denied | 1 | $335,000 | $335,000 | $335,000 | $0 | $0 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $216,000 | $216,000 |
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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