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2024 data HMDA 2024 disclosure official source

Calhoun County

545 mortgage applications, 20.7% denial rate. Verify FIPS 48057 with U.S. Census Bureau →

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Texas · FIPS 48057

Local mortgage market. Calhoun County, Texas saw 545 HMDA-reported mortgage applications in 2024. Lenders originated 235 of those loans and denied 113, producing a denial rate of 20.7% and an approval (origination) rate of 43.1%. The average loan amount was $207,294 at an average note rate of 7.00%, with applicants self-reporting average annual income of $36K. 83 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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.

FIPS 48057 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

545
Applications
235
Originated
20.7%
Denial Rate
43.1%
Approval Rate
$207,294
Avg Loan Amount
7.00%
Avg Interest Rate
$36K
Avg Applicant Income
5.8x
Loan-to-Income Ratio

Nearby Lenders in Calhoun 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 First National Bank in Port Lavaca 27 11.5%
2 Wallick and Volk, INC. 26 11.1%
3 United Wholesale Mortgage 17 7.2%
4 TDECU 16 6.8%
5 Rocket Mortgage 14 6.0%
Compare First National Bank in Port Lavaca vs Wallick and Volk, INC. →

Frequently Asked Questions

How many mortgage applications were filed in Calhoun County?
In the 2024 HMDA reporting year, 545 mortgage applications were filed in Calhoun County, Texas. Of these, 235 were originated (approved and funded), while 113 were denied, resulting in a denial rate of 20.7%.
What is the mortgage denial rate in Calhoun County?
The mortgage denial rate in Calhoun County is 20.7%. The approval (origination) rate is 43.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Calhoun County?
The average mortgage loan amount in Calhoun County is $207,294. The average interest rate is 6.999%. The average applicant income is $36K.
What is the loan-to-income ratio in Calhoun County?
The average loan-to-income ratio in Calhoun County is 5.8x, meaning borrowers took on loans averaging 5.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Calhoun County?
The top mortgage lenders in Calhoun County by origination volume are First National Bank in Port Lavaca, Wallick and Volk, INC., United Wholesale Mortgage. In total, 83 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.