Zavala County, TX Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 99 mortgage applications in Zavala County, TX totaling $12.5 million, down 30% from 2022. The average application was for $126,000, and applicants reported an average income of $83,000. 32% of applications resulted in an originated loan and 31% were denied. The most active lender was 21st Mortgage, with 28 applications, followed by Triad Financial Services, Inc. and Security Service.
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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 | 99 |
| Total Mortgage Loan Application Amount | $12,545,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $588,000 |
| 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 |
* | $ -1,000 | 28 | $ 3,410,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 1,000,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 12,761,582,000 | 7 | $ 915,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 755,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 4 | $ 650,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 15,997,837,000 | 4 | $ 150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 365,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 505,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 2 | $ 200,000 |
| Txn Bank 103 19TH ST HONDO, TX 78861 |
* | $ 620,811,000 | 2 | $ 210,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 220,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 2 | $ 210,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ 1,228,904,000 | 2 | $ 50,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 2 | $ 190,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 240,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 2 | $ 270,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 75,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 245,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 305,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 4,554,611,000 | 1 | $ 25,000 |
| Vantage Bank Texas 45 NE LOOP 410 STE 500 SAN ANTONIO, TX 78216 |
* | $ 3,354,633,000 | 1 | $ 285,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 89,544,919,000 | 1 | $ 15,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 8,748,621,000 | 1 | $ 75,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 85,000 |
| Texas Health Credit Union 4800 GROVER AVE AUSTIN, TX 78756 |
* | $ 146,400,000 | 1 | $ 65,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 75,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 245,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 295,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 95,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 1 | $ 335,000 |
The tables below break down 2023 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 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 | 80 | $10,640,000 | $133,000 | $305,000 | $83,000 | $588,000 |
| Cash-out Refinancing | 8 | $630,000 | $78,000 | $165,000 | $77,000 | $203,000 |
| Other Purpose | 7 | $645,000 | $92,000 | $145,000 | $82,000 | $137,000 |
| Refinancing | 2 | $580,000 | $290,000 | $335,000 | $113,000 | $133,000 |
| Home Improvement | 2 | $50,000 | $25,000 | $25,000 | $72,000 | $106,000 |
| 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 | 81 | $10,495,000 | $129,000 | $335,000 | $81,000 | $588,000 |
| White | 9 | $845,000 | $93,000 | $245,000 | $104,000 | $158,000 |
| Not Provided | 5 | $605,000 | $121,000 | $205,000 | $76,000 | $113,000 |
| Not applicable | 3 | $305,000 | $101,000 | $155,000 | $0 | $0 |
| Black or African American | 1 | $295,000 | $295,000 | $295,000 | $48,000 | $48,000 |
| 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) | 87 | $10,465,000 | $120,000 | $335,000 | $83,000 | $588,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,800,000 | $180,000 | $295,000 | $68,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $280,000 | $140,000 | $215,000 | $112,000 | $147,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 32 | $4,280,000 | $133,000 | $285,000 | $82,000 | $158,000 |
| Application Denied By Financial Institution | 31 | $3,485,000 | $112,000 | $295,000 | $74,000 | $588,000 |
| File Closed For Incompleteness | 19 | $2,375,000 | $125,000 | $245,000 | $96,000 | $203,000 |
| Application Withdrawn By Applicant | 10 | $1,450,000 | $145,000 | $305,000 | $79,000 | $109,000 |
| Loan Purchased By The Institution | 4 | $640,000 | $160,000 | $335,000 | $133,000 | $133,000 |
| Application Approved But Not Accepted | 3 | $315,000 | $105,000 | $115,000 | $87,000 | $143,000 |
| 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 | 68 | $9,060,000 | $133,000 | $335,000 | $87,000 | $203,000 |
| Credit History | 16 | $1,930,000 | $120,000 | $295,000 | $59,000 | $95,000 |
| Debt-To-Income Ratio | 8 | $840,000 | $105,000 | $165,000 | $44,000 | $77,000 |
| Other | 2 | $330,000 | $165,000 | $215,000 | $98,000 | $147,000 |
| Unverifiable Information | 2 | $190,000 | $95,000 | $145,000 | $331,000 | $588,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $90,000 | $90,000 |
| Collateral | 1 | $65,000 | $65,000 | $65,000 | $23,000 | $23,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $26,000 | $26,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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