Austin County
Texas · FIPS 48015
According to CFPB HMDA 2024 application volume among U.S. counties, Austin County ranks #1,204 of 3,210, and #80 of 253 in Texas.
Mortgage lending activity in Austin 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. Austin County, Texas saw 1,344 HMDA-reported mortgage applications in 2024. Lenders originated 563 of those loans and denied 275, producing a denial rate of 20.5% and an approval (origination) rate of 41.9%. The average loan amount was $254,249 at an average note rate of 6.80%, with applicants self-reporting average annual income of $39K. 132 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 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 Austin County
In Austin County, lead originator DHI Mortgage Company, LTD. funded 13.1% of 563 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Austin County's 1,344 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Austin County's $254,249 average loan (deduped against volume peers).
Lenders active in Austin County
DHI Mortgage Company, LTD. funded 74 of the 563 loans originated in Austin County, 13.1% of the county. 132 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | DHI Mortgage Company, LTD. | 74 | 13.1% |
| 2 | Citizens State Bank | 39 | 6.9% |
| 3 | Rocket Mortgage | 29 | 5.2% |
| 4 | Stone Meadow Lending, LLC | 28 | 5.0% |
| 5 | Austin County State Bank | 26 | 4.6% |
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 Austin 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 Austin 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.