PlainLender
2024 data HMDA 2024 disclosure official source

Baylor County

74 mortgage applications, 20.3% denial rate. Verify FIPS 48023 with U.S. Census Bureau →

PlainLender home → About this data

Texas · FIPS 48023

Local mortgage market. Baylor County, Texas saw 74 HMDA-reported mortgage applications in 2024. Lenders originated 32 of those loans and denied 15, producing a denial rate of 20.3% and an approval (origination) rate of 43.2%. The average loan amount was $121,486 at an average note rate of 7.31%, with applicants self-reporting average annual income of $38K. 23 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 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.

FIPS 48023 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

74
Applications
32
Originated
20.3%
Denial Rate
43.2%
Approval Rate
$121,486
Avg Loan Amount
7.31%
Avg Interest Rate
$38K
Avg Applicant Income
3.2x
Loan-to-Income Ratio

Nearby Lenders in Baylor 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 Rocket Mortgage 3 9.4%
2 American National Bank & Trust 3 9.4%
3 T2 Financial LLC 3 9.4%
4 Wichita Falls Teachers FCU 2 6.3%
5 INTERBANK 2 6.3%
Compare Rocket Mortgage vs American National Bank & Trust →

Frequently Asked Questions

How many mortgage applications were filed in Baylor County?
In the 2024 HMDA reporting year, 74 mortgage applications were filed in Baylor County, Texas. Of these, 32 were originated (approved and funded), while 15 were denied, resulting in a denial rate of 20.3%.
What is the mortgage denial rate in Baylor County?
The mortgage denial rate in Baylor County is 20.3%. The approval (origination) rate is 43.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Baylor County?
The average mortgage loan amount in Baylor County is $121,486. The average interest rate is 7.307%. The average applicant income is $38K.
What is the loan-to-income ratio in Baylor County?
The average loan-to-income ratio in Baylor County is 3.2x, meaning borrowers took on loans averaging 3.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Baylor County?
The top mortgage lenders in Baylor County by origination volume are Rocket Mortgage, American National Bank & Trust, T2 Financial LLC. In total, 23 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.