Wheeler County, TX Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 102 mortgage applications in Wheeler County, TX totaling $14.1 million, up 17% from 2023. The average application was for $137,000, and applicants reported an average income of $84,000. 41% of applications resulted in an originated loan and 29% were denied. The most active lender was 21st Mortgage, with 15 applications, followed by Triad Financial Services, Inc. and Centennial Bank.
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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 | 102 |
| Total Mortgage Loan Application Amount | $14,060,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $615,000 |
| 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 | 15 | $ 2,335,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 10 | $ 1,590,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 8 | $ 720,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 6 | $ 890,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 6 | $ 680,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ n/a | 5 | $ 815,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 280,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 490,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 3 | $ 565,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 3 | $ 455,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ n/a | 2 | $ 260,000 |
| Acfcu Federal Credit Union 6100 I-40 WEST AMARILLO, TX 79106 |
* | $ n/a | 2 | $ 180,000 |
| Access Community Credit Union 6401 BELL ST. AMARILLO, TX 79114 |
* | $ n/a | 2 | $ 100,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ n/a | 2 | $ 170,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 165,000 |
| Clear Fork Bank N.A. 100 S MAIN ST ALBANY, TX 76430 |
* | $ n/a | 1 | $ 95,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 135,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 245,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 65,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 125,000 |
| Premier Lending Inc. CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 235,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 265,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 195,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 185,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 165,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 75,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 245,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ n/a | 1 | $ 155,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 165,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 1 | $ 165,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ n/a | 1 | $ 125,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 165,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 105,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 65,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 105,000 |
| Plains Land Bank, Flca 5625 FULTON DR AMARILLO, TX 79101 |
* | $ n/a | 1 | $ 105,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 285,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 165,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2024 mortgage applications in Wheeler 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 Wheeler 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 | 73 | $10,565,000 | $144,000 | $285,000 | $84,000 | $615,000 |
| Refinancing | 15 | $2,295,000 | $153,000 | $365,000 | $99,000 | $233,000 |
| Other Purpose | 6 | $350,000 | $58,000 | $205,000 | $79,000 | $108,000 |
| Cash-out Refinancing | 6 | $780,000 | $130,000 | $205,000 | $77,000 | $134,000 |
| Home Improvement | 2 | $70,000 | $35,000 | $55,000 | $40,000 | $68,000 |
| 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 | 57 | $7,765,000 | $136,000 | $285,000 | $88,000 | $615,000 |
| Hispanic | 26 | $3,790,000 | $145,000 | $365,000 | $75,000 | $233,000 |
| Not applicable | 9 | $1,155,000 | $128,000 | $245,000 | $0 | $0 |
| Not Provided | 9 | $1,335,000 | $148,000 | $245,000 | $95,000 | $130,000 |
| Black or African American | 1 | $15,000 | $15,000 | $15,000 | $13,000 | $13,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 79 | $10,135,000 | $128,000 | $365,000 | $88,000 | $615,000 |
| FHA-insured (Federal Housing Administration) | 16 | $2,840,000 | $177,000 | $285,000 | $71,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 4 | $670,000 | $167,000 | $175,000 | $66,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $415,000 | $138,000 | $155,000 | $71,000 | $73,000 |
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 | 42 | $5,530,000 | $131,000 | $365,000 | $100,000 | $615,000 |
| Application Denied By Financial Institution | 30 | $3,800,000 | $126,000 | $215,000 | $68,000 | $198,000 |
| File Closed For Incompleteness | 11 | $1,755,000 | $159,000 | $235,000 | $86,000 | $134,000 |
| Application Withdrawn By Applicant | 10 | $1,560,000 | $156,000 | $205,000 | $71,000 | $93,000 |
| Loan Purchased By The Institution | 6 | $990,000 | $165,000 | $245,000 | $0 | $0 |
| Application Approved But Not Accepted | 3 | $425,000 | $141,000 | $215,000 | $74,000 | $103,000 |
| 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 | 70 | $9,810,000 | $140,000 | $285,000 | $90,000 | $615,000 |
| Debt-To-Income Ratio | 19 | $2,835,000 | $149,000 | $365,000 | $86,000 | $233,000 |
| Credit History | 7 | $585,000 | $83,000 | $145,000 | $53,000 | $89,000 |
| Collateral | 2 | $250,000 | $125,000 | $215,000 | $116,000 | $133,000 |
| Other | 2 | $210,000 | $105,000 | $195,000 | $6,000 | $13,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $92,000 | $92,000 |
| Credit Application Incomplete | 1 | $205,000 | $205,000 | $205,000 | $46,000 | $46,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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