Aransas County
Texas · FIPS 48007
According to CFPB HMDA 2024 application volume among U.S. counties, Aransas County ranks #1,199 of 3,210, and #79 of 253 in Texas.
Mortgage lending activity in Aransas County, Texas based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Aransas County, Texas saw 1,345 HMDA-reported mortgage applications in 2024. Lenders originated 549 of those loans and denied 298, producing a denial rate of 22.2% and an approval (origination) rate of 40.8%. The average loan amount was $281,617 at an average note rate of 7.01%, with applicants self-reporting average annual income of $39K. 156 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.2x, meaning typical borrowers took on mortgages of about 7.2 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Aransas County
In Aransas County, lead originator Guild Mortgage Company funded only 10.4% of 549 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Aransas County's 1,345 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Aransas County's $281,617 average loan (deduped against volume peers).
Lenders active in Aransas County
Guild Mortgage Company funded 57 of the 549 loans originated in Aransas County, 10.4% of the county. 156 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 57 | 10.4% |
| 2 | DHI Mortgage Company, LTD. | 33 | 6.0% |
| 3 | United Wholesale Mortgage | 33 | 6.0% |
| 4 | Rocket Mortgage | 26 | 4.7% |
| 5 | Rally Credit Union | 23 | 4.2% |
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; does not constitute financial advice for Aransas County borrowers.
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 Aransas County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.