Zavala County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 138 mortgage applications in Zavala County, TX totaling $16.9 million, up 21% from 2024. The average application was for $122,000, and applicants reported an average income of $99,000. 31% of applications resulted in an originated loan and 33% were denied. The most active lender was 21st Mortgage, with 45 applications, followed by Security Service 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 | 138 |
| Total Mortgage Loan Application Amount | $16,930,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $99,000 |
| Highest Applicant Income | $1,352,000 |
| 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 | 45 | $ 5,805,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ n/a | 13 | $ 1,735,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 13 | $ 1,595,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 7 | $ 915,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 6 | $ 890,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 5 | $ 515,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 270,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 350,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 235,000 |
| Gardner Financial Services 3503 PAESANOS PKWY SAN ANTONIO, TX 78259 |
* | $ n/a | 2 | $ 290,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 340,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 2 | $ 190,000 |
| Txn Bank 103 19TH ST HONDO, TX 78861 |
* | $ n/a | 2 | $ 90,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 470,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 370,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 220,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 65,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 195,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 85,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 185,000 |
| Generations Community FCU 1100 NW LOOP 410 SUITE 800 CASTLE HILLS, TX 78213 |
* | $ n/a | 1 | $ 35,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 425,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 85,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 45,000 |
| Valley Strong Credit Union 11500 BOLTHOUSE DRIVE BAKERSFIELD, CA 93311 |
* | $ n/a | 1 | $ 125,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 75,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 25,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ n/a | 1 | $ 105,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 55,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 245,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 35,000 |
| Meridian Trust Federal Credit Union PO BOX 548 CHEYENNE, WY 82003 |
* | $ n/a | 1 | $ 55,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ n/a | 1 | $ 65,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 125,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
The tables below break down 2025 mortgage applications in Zavala 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 Zavala 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 | 110 | $13,930,000 | $126,000 | $425,000 | $83,000 | $300,000 |
| Other Purpose | 11 | $965,000 | $87,000 | $185,000 | $151,000 | $770,000 |
| Refinancing | 7 | $1,145,000 | $163,000 | $235,000 | $87,000 | $149,000 |
| Cash-out Refinancing | 7 | $745,000 | $106,000 | $195,000 | $109,000 | $197,000 |
| Home Improvement | 3 | $145,000 | $48,000 | $75,000 | $479,000 | $1,352,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 102 | $11,950,000 | $117,000 | $305,000 | $85,000 | $300,000 |
| White | 15 | $2,105,000 | $140,000 | $425,000 | $168,000 | $1,352,000 |
| Not Provided | 12 | $1,900,000 | $158,000 | $235,000 | $54,000 | $91,000 |
| Not applicable | 5 | $345,000 | $69,000 | $155,000 | $0 | $0 |
| Asian | 3 | $465,000 | $155,000 | $185,000 | $348,000 | $770,000 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $137,000 | $137,000 |
| 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) | 113 | $12,915,000 | $114,000 | $305,000 | $103,000 | $1,352,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,260,000 | $163,000 | $425,000 | $82,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 3 | $605,000 | $201,000 | $235,000 | $71,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $150,000 | $75,000 | $145,000 | $67,000 | $74,000 |
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 | 46 | $5,330,000 | $115,000 | $425,000 | $117,000 | $1,352,000 |
| Loan Originated | 43 | $5,475,000 | $127,000 | $255,000 | $90,000 | $185,000 |
| File Closed For Incompleteness | 24 | $3,420,000 | $142,000 | $305,000 | $94,000 | $183,000 |
| Application Withdrawn By Applicant | 16 | $1,910,000 | $119,000 | $195,000 | $89,000 | $300,000 |
| Loan Purchased By The Institution | 5 | $345,000 | $69,000 | $155,000 | $0 | $0 |
| Application Approved But Not Accepted | 4 | $450,000 | $112,000 | $135,000 | $88,000 | $115,000 |
| 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 | 92 | $11,600,000 | $126,000 | $305,000 | $91,000 | $300,000 |
| Credit History | 24 | $2,630,000 | $109,000 | $205,000 | $62,000 | $115,000 |
| Other | 6 | $490,000 | $81,000 | $155,000 | $430,000 | $1,352,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,015,000 | $203,000 | $425,000 | $95,000 | $180,000 |
| Collateral | 4 | $320,000 | $80,000 | $125,000 | $81,000 | $149,000 |
| Credit Application Incomplete | 3 | $465,000 | $155,000 | $185,000 | $71,000 | $71,000 |
| Debt-To-Income Ratio | 3 | $355,000 | $118,000 | $165,000 | $35,000 | $72,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $46,000 | $46,000 |
| 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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