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2024 data HMDA 2024 disclosure official source

Blanco County

583 mortgage applications, 15.3% denial rate. Verify FIPS 48031 with U.S. Census Bureau →

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Texas · FIPS 48031

Local mortgage market. Blanco County, Texas saw 583 HMDA-reported mortgage applications in 2024. Lenders originated 272 of those loans and denied 89, producing a denial rate of 15.3% and an approval (origination) rate of 46.7%. The average loan amount was $423,954 at an average note rate of 7.08%, with applicants self-reporting average annual income of $37K. 117 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 11.5x, meaning typical borrowers took on mortgages of about 11.5 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.

FIPS 48031 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

583
Applications
272
Originated
15.3%
Denial Rate
46.7%
Approval Rate
$423,954
Avg Loan Amount
7.08%
Avg Interest Rate
$37K
Avg Applicant Income
11.5x
Loan-to-Income Ratio

Nearby Lenders in Blanco 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 21 7.7%
2 Randolph-Brooks Federal Credit Union 19 7.0%
3 United Wholesale Mortgage 15 5.5%
4 Security State Bank & Trust 10 3.7%
5 Guaranteed Rate, INC. 6 2.2%
Compare Rocket Mortgage vs Randolph-Brooks Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Blanco County?
In the 2024 HMDA reporting year, 583 mortgage applications were filed in Blanco County, Texas. Of these, 272 were originated (approved and funded), while 89 were denied, resulting in a denial rate of 15.3%.
What is the mortgage denial rate in Blanco County?
The mortgage denial rate in Blanco County is 15.3%. The approval (origination) rate is 46.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Blanco County?
The average mortgage loan amount in Blanco County is $423,954. The average interest rate is 7.076%. The average applicant income is $37K.
What is the loan-to-income ratio in Blanco County?
The average loan-to-income ratio in Blanco County is 11.5x, meaning borrowers took on loans averaging 11.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Blanco County?
The top mortgage lenders in Blanco County by origination volume are Rocket Mortgage, Randolph-Brooks Federal Credit Union, United Wholesale Mortgage. In total, 117 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.