PlainLender
2024 data HMDA 2024 disclosure official source

Carson County

266 mortgage applications, 18.8% denial rate. Verify FIPS 48065 with U.S. Census Bureau →

PlainLender home → About this data

Texas · FIPS 48065

Local mortgage market. Carson County, Texas saw 266 HMDA-reported mortgage applications in 2024. Lenders originated 118 of those loans and denied 50, producing a denial rate of 18.8% and an approval (origination) rate of 44.4%. The average loan amount was $161,617 at an average note rate of 7.62%, with applicants self-reporting average annual income of $35K. 44 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 48065 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

266
Applications
118
Originated
18.8%
Denial Rate
44.4%
Approval Rate
$161,617
Avg Loan Amount
7.62%
Avg Interest Rate
$35K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Carson 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 Amarillo National Bank 23 19.5%
2 21st Mortgage 17 14.4%
3 Education Credit Union 8 6.8%
4 Rocket Mortgage 7 5.9%
5 Centennial Bank 4 3.4%
Compare Amarillo National Bank vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Carson County?
In the 2024 HMDA reporting year, 266 mortgage applications were filed in Carson County, Texas. Of these, 118 were originated (approved and funded), while 50 were denied, resulting in a denial rate of 18.8%.
What is the mortgage denial rate in Carson County?
The mortgage denial rate in Carson County is 18.8%. The approval (origination) rate is 44.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Carson County?
The average mortgage loan amount in Carson County is $161,617. The average interest rate is 7.623%. The average applicant income is $35K.
What is the loan-to-income ratio in Carson County?
The average loan-to-income ratio in Carson County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Carson County?
The top mortgage lenders in Carson County by origination volume are Amarillo National Bank, 21st Mortgage, Education Credit Union. In total, 44 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.