Wilbarger County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 273 mortgage applications in Wilbarger County, TX totaling $39.2 million, down 1% from 2024. The average application was for $143,000, and applicants reported an average income of $98,000. 46% of applications resulted in an originated loan and 15% were denied. The most active lender was Waggoner National Bank, with 36 applications, followed by Flat Branch Mortgage, Inc. and 21st Mortgage.
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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 | 273 |
| Total Mortgage Loan Application Amount | $39,175,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,955,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $607,000 |
* 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 |
|---|---|---|---|---|
| Waggoner National Bank 1818 TEXAS ST VERNON, TX 76384 |
* | $ n/a | 36 | $ 2,920,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 24 | $ 3,300,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 22 | $ 3,180,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ n/a | 17 | $ 2,695,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 16 | $ 2,630,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ n/a | 16 | $ 2,830,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 8 | $ 1,430,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 8 | $ 1,220,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 8 | $ 700,000 |
| Union Square Credit Union 2903 KEMP BOULEVARD WICHITA FALLS, TX 76308 |
* | $ n/a | 6 | $ 830,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,500,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 885,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 775,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 500,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 390,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 4 | $ 510,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 375,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ n/a | 3 | $ 245,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 175,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 3 | $ 385,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 215,000 |
| Texoma Community Credit Union PO BOX 1320 WICHITA FALLS, TX 76308 |
* | $ n/a | 3 | $ 245,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 270,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 290,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 150,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 200,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ n/a | 2 | $ 300,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 360,000 |
| First Capital Bank 5030 STONE LAKE DR WICHITA FALLS, TX 76310 |
* | $ n/a | 2 | $ 360,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 210,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 100,000 |
| First Bank 300 E THRID BURKBURNETT, TX 76359 |
* | $ n/a | 1 | $ 195,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 95,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 315,000 |
| Greater Texas FCU 1180 AIRPORT BLVD AUSTIN, TX 78727 |
* | $ n/a | 1 | $ 125,000 |
| Pilgrim Bank 145 EAST MARSHALL STREET PITTSBURG, TX 75686 |
* | $ n/a | 1 | $ 105,000 |
| Gsb Mortgage, Inc. 201 N. MAIN STREET GRAPEVINE, TX 76051 |
* | $ n/a | 1 | $ 65,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 135,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ n/a | 1 | $ 135,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 145,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 115,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 315,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 115,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ n/a | 1 | $ 295,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 75,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 1 | $ 195,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 95,000 |
| Homebank Texas 601 N HWY 175 SEAGOVILLE, TX 75159 |
* | $ n/a | 1 | $ 255,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 1 | $ 155,000 |
| Western Bank 5701 82ND ST LUBBOCK, TX 79401 |
* | $ n/a | 1 | $ 155,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 115,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 85,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 155,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 65,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 65,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 235,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 1 | $ 1,955,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 145,000 |
| Regent Bank 105 N MAPLE TULSA, OK 74136 |
* | $ n/a | 1 | $ 185,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 75,000 |
| Texasbank 400 FISK AVE BROWNWOOD, TX 76801 |
* | $ n/a | 1 | $ 135,000 |
| Platinum Eagle Mortgage, LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 215,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 55,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2025 mortgage applications in Wilbarger 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 Wilbarger 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 | 181 | $26,795,000 | $148,000 | $855,000 | $96,000 | $607,000 |
| Cash-out Refinancing | 34 | $4,350,000 | $127,000 | $335,000 | $100,000 | $360,000 |
| Refinancing | 28 | $6,220,000 | $222,000 | $1,955,000 | $79,000 | $327,000 |
| Home Improvement | 17 | $1,105,000 | $65,000 | $145,000 | $132,000 | $325,000 |
| Other Purpose | 13 | $705,000 | $54,000 | $155,000 | $107,000 | $490,000 |
| 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 | 133 | $19,355,000 | $145,000 | $855,000 | $110,000 | $607,000 |
| Hispanic | 60 | $7,190,000 | $119,000 | $405,000 | $85,000 | $225,000 |
| Not applicable | 44 | $7,630,000 | $173,000 | $1,955,000 | $119,000 | $165,000 |
| Not Provided | 21 | $2,815,000 | $134,000 | $335,000 | $80,000 | $327,000 |
| Black or African American | 7 | $605,000 | $86,000 | $135,000 | $57,000 | $107,000 |
| American Indian or Alaskan Native | 5 | $1,235,000 | $247,000 | $375,000 | $91,000 | $117,000 |
| Asian | 3 | $345,000 | $115,000 | $135,000 | $45,000 | $53,000 |
| 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) | 185 | $24,425,000 | $132,000 | $1,955,000 | $107,000 | $607,000 |
| FHA-insured (Federal Housing Administration) | 59 | $10,615,000 | $179,000 | $375,000 | $78,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,020,000 | $126,000 | $195,000 | $67,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,115,000 | $162,000 | $405,000 | $62,000 | $108,000 |
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 | 125 | $19,415,000 | $155,000 | $1,955,000 | $115,000 | $607,000 |
| Loan Purchased By The Institution | 42 | $5,690,000 | $135,000 | $285,000 | $113,000 | $167,000 |
| Application Denied By Financial Institution | 41 | $4,875,000 | $118,000 | $335,000 | $72,000 | $188,000 |
| Application Withdrawn By Applicant | 40 | $5,730,000 | $143,000 | $375,000 | $88,000 | $327,000 |
| Application Approved But Not Accepted | 13 | $1,455,000 | $111,000 | $165,000 | $57,000 | $101,000 |
| File Closed For Incompleteness | 11 | $1,735,000 | $157,000 | $335,000 | $80,000 | $127,000 |
| Preapproval Approved but not Accepted | 1 | $275,000 | $275,000 | $275,000 | $138,000 | $138,000 |
| 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 | 223 | $33,015,000 | $148,000 | $1,955,000 | $102,000 | $607,000 |
| Credit History | 19 | $2,415,000 | $127,000 | $335,000 | $69,000 | $116,000 |
| Debt-To-Income Ratio | 18 | $2,260,000 | $125,000 | $255,000 | $98,000 | $340,000 |
| Collateral | 7 | $715,000 | $102,000 | $185,000 | $72,000 | $123,000 |
| Credit Application Incomplete | 2 | $210,000 | $105,000 | $125,000 | $78,000 | $94,000 |
| Other | 1 | $85,000 | $85,000 | $85,000 | $64,000 | $64,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $30,000 | $30,000 |
| Employment History | 1 | $255,000 | $255,000 | $255,000 | $175,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $95,000 | $95,000 |
| 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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