Brown County
Texas · FIPS 48049
According to CFPB HMDA 2024 application volume among U.S. counties, Brown County ranks #1,504 of 3,223, and #96 of 253 in Texas.
Mortgage lending activity in Brown 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. Brown County, Texas lenders denied 177 of the applications reported here, financing the rest at an average note rate of 7.20%, with applicants self-reporting average annual income of $38K. 109 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 Brown County
In Brown County, lead originator TexasBank funded 16.3% of 406 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 33.7% 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 Brown County's 927 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Brown County's $183,846 average loan (deduped against volume peers).
Lenders active in Brown County
TexasBank funded 66 of the 406 loans originated in Brown County, 16.3% of the county. 109 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | TexasBank | 66 | 16.3% |
| 2 | Rocket Mortgage | 50 | 12.3% |
| 3 | United Wholesale Mortgage | 21 | 5.2% |
| 4 | 21st Mortgage | 17 | 4.2% |
| 5 | Guild Mortgage Company | 16 | 3.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Brown County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Brown County borrowers. 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.