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2024 data HMDA 2024 disclosure official source

Atascosa County

2,230 mortgage applications, 28.0% denial rate. Verify FIPS 48013 with U.S. Census Bureau →

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Texas · FIPS 48013

Local mortgage market. Atascosa County, Texas saw 2,230 HMDA-reported mortgage applications in 2024. Lenders originated 817 of those loans and denied 625, producing a denial rate of 28.0% and an approval (origination) rate of 36.6%. The average loan amount was $204,121 at an average note rate of 6.94%, with applicants self-reporting average annual income of $40K. 138 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 48013 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,230
Applications
817
Originated
28.0%
Denial Rate
36.6%
Approval Rate
$204,121
Avg Loan Amount
6.94%
Avg Interest Rate
$40K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Atascosa 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 90 11.0%
2 Lennar Mortgage, LLC 85 10.4%
3 Lendlo Mortgage, LLC 37 4.5%
4 United Wholesale Mortgage 37 4.5%
5 Loandepot.Com, LLC 32 3.9%
Compare 21st Mortgage vs Lennar Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Atascosa County?
In the 2024 HMDA reporting year, 2,230 mortgage applications were filed in Atascosa County, Texas. Of these, 817 were originated (approved and funded), while 625 were denied, resulting in a denial rate of 28.0%.
What is the mortgage denial rate in Atascosa County?
The mortgage denial rate in Atascosa County is 28.0%. The approval (origination) rate is 36.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Atascosa County?
The average mortgage loan amount in Atascosa County is $204,121. The average interest rate is 6.944%. The average applicant income is $40K.
What is the loan-to-income ratio in Atascosa County?
The average loan-to-income ratio in Atascosa County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Atascosa County?
The top mortgage lenders in Atascosa County by origination volume are 21st Mortgage, Lennar Mortgage, LLC, Lendlo Mortgage, LLC. In total, 138 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.