Mortgage lending in Garza County, Texas

Lenders in Garza County, Texas reported 74 mortgage applications for 2025, according to the CFPB.

74 mortgage applications and 32 loans originated in 2025; the denial rate was 42.9% of 56 applications decided. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Garza County, TX HUD Metro FMR Area.

74
Applications: 32
Loans originated: 42.9%
Denial rate: 24 denied of 56 applications decided.

Every year

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Mortgage applications and loans originated in Garza County, Texas, by year
Year	Applications	Originated	Denied
2025	74	32	24
2024	92	44	36
2023	84	35	28
2022	107	48	43
2021	115	59	27
2020	116	59	33
2019	92	47	28
2018	81	36	28

The largest lenders here

Lenders in Garza County, Texas by loans originated, 2025
Lender	Originated	Applications
Peoples Bank	4	4
Alliance Credit Union	4	5
21ST Mortgage	3	16
Prosperity Bank	2	2
Texas Tech Federal Credit Union	2	2
Cardinal Financial Company, Li	2	2
Wellington State Bank	1	1
Flexpoint, Inc.	1	1
Primelending	1	1
Ark-LA-Tex Financial Services LLC	1	2
Interlinc Mortgage Services, LLC	1	1
Sofi Bank, National Association	1	1
Amarillo National Bank	1	2
Mortgage Research Center	1	3
Rocket Mortgage	1	2
American Pacific Mortgage Corporation	1	1
Flat Branch Mortgage, Inc.	1	1
Royal United Mortgage LLC	1	1
Right Start Mortgage, Inc	1	2
City Bank	1	2
Wells Fargo Bank NA	1	1
Flanagan State Bank	0	1
Citadel Servicing Corporation	0	0
AmeriHome Mortgage Company, LLC	0	0
Credit Union of Texas	0	1

Applications by race, ethnicity and sex, 2025

By race, Garza County, Texas: applications and denial rate
Category	Applications	Denial rate
White	57	no rate: base under 50
Joint	under 10
Race Not Available	withheld

By ethnicity, Garza County, Texas: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	24	no rate: base under 50
Not Hispanic or Latino	38	no rate: base under 50
Joint	under 10
Ethnicity Not Available	withheld

By sex, Garza County, Texas: applications and denial rate
Category	Applications	Denial rate
Male	37	no rate: base under 50
Female	under 10
Joint	20	no rate: base under 50
Sex Not Available	under 10

A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.

Sources

HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026

Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved October 22, 2026