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2024 data HMDA 2024 disclosure official source

Anderson County

1,513 mortgage applications, 28.2% denial rate. Verify FIPS 48001 with U.S. Census Bureau →

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Texas · FIPS 48001

Local mortgage market. Anderson County, Texas saw 1,513 HMDA-reported mortgage applications in 2024. Lenders originated 548 of those loans and denied 426, producing a denial rate of 28.2% and an approval (origination) rate of 36.2%. The average loan amount was $174,352 at an average note rate of 7.50%, with applicants self-reporting average annual income of $37K. 123 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 48001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,513
Applications
548
Originated
28.2%
Denial Rate
36.2%
Approval Rate
$174,352
Avg Loan Amount
7.50%
Avg Interest Rate
$37K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Anderson County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 21st Mortgage 43 7.8%
2 Austin Bank, Texas National Association 43 7.8%
3 Rocket Mortgage 39 7.1%
4 Commercial Bnak of Texas, NA 35 6.4%
5 VERABANK,N.A. 31 5.7%
Compare 21st Mortgage vs Austin Bank, Texas National Association →

Frequently Asked Questions

How many mortgage applications were filed in Anderson County?
In the 2024 HMDA reporting year, 1,513 mortgage applications were filed in Anderson County, Texas. Of these, 548 were originated (approved and funded), while 426 were denied, resulting in a denial rate of 28.2%.
What is the mortgage denial rate in Anderson County?
The mortgage denial rate in Anderson County is 28.2%. The approval (origination) rate is 36.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Anderson County?
The average mortgage loan amount in Anderson County is $174,352. The average interest rate is 7.496%. The average applicant income is $37K.
What is the loan-to-income ratio in Anderson County?
The average loan-to-income ratio in Anderson County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Anderson County?
The top mortgage lenders in Anderson County by origination volume are 21st Mortgage, Austin Bank, Texas National Association, Rocket Mortgage. In total, 123 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.