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2024 data HMDA 2024 disclosure official source

Andrews County

786 mortgage applications, 22.0% denial rate. Verify FIPS 48003 with U.S. Census Bureau →

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Texas · FIPS 48003

Local mortgage market. Andrews County, Texas saw 786 HMDA-reported mortgage applications in 2024. Lenders originated 309 of those loans and denied 173, producing a denial rate of 22.0% and an approval (origination) rate of 39.3%. The average loan amount was $214,898 at an average note rate of 7.20%, with applicants self-reporting average annual income of $37K. 83 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 48003 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

786
Applications
309
Originated
22.0%
Denial Rate
39.3%
Approval Rate
$214,898
Avg Loan Amount
7.20%
Avg Interest Rate
$37K
Avg Applicant Income
5.8x
Loan-to-Income Ratio

Nearby Lenders in Andrews 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 37 12.0%
2 Highlands Residential Mortgage, Ltd. 29 9.4%
3 Rocket Mortgage 24 7.8%
4 American Portfolio Mortgage Corporation 22 7.1%
5 Interlinc Mortgage Services, LLC 18 5.8%
Compare 21st Mortgage vs Highlands Residential Mortgage, Ltd. →

Frequently Asked Questions

How many mortgage applications were filed in Andrews County?
In the 2024 HMDA reporting year, 786 mortgage applications were filed in Andrews County, Texas. Of these, 309 were originated (approved and funded), while 173 were denied, resulting in a denial rate of 22.0%.
What is the mortgage denial rate in Andrews County?
The mortgage denial rate in Andrews County is 22.0%. The approval (origination) rate is 39.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Andrews County?
The average mortgage loan amount in Andrews County is $214,898. The average interest rate is 7.198%. The average applicant income is $37K.
What is the loan-to-income ratio in Andrews County?
The average loan-to-income ratio in Andrews County is 5.8x, meaning borrowers took on loans averaging 5.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Andrews County?
The top mortgage lenders in Andrews County by origination volume are 21st Mortgage, Highlands Residential Mortgage, Ltd., Rocket Mortgage. In total, 83 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.