Colorado County
Texas · FIPS 48089
According to CFPB HMDA 2024 application volume among U.S. counties, Colorado County ranks #1,850 of 3,210, and #119 of 253 in Texas.
Mortgage lending activity in Colorado 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. Colorado County, Texas saw 614 HMDA-reported mortgage applications in 2024. Lenders originated 231 of those loans and denied 173, producing a denial rate of 28.2% and an approval (origination) rate of 37.6%. The average loan amount was $210,521 at an average note rate of 7.40%, with applicants self-reporting average annual income of $38K. 87 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Colorado County
In Colorado County, lead originator Industry State Bank funded only 6.9% of 231 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Colorado County's 614 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Colorado County's $210,521 average loan (deduped against volume peers).
Lenders active in Colorado County
Industry State Bank funded 16 of the 231 loans originated in Colorado County, 6.9% of the county. 87 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Industry State Bank | 16 | 6.9% |
| 2 | 21st Mortgage | 15 | 6.5% |
| 3 | Rocket Mortgage | 15 | 6.5% |
| 4 | United Wholesale Mortgage | 10 | 4.3% |
| 5 | First Community Mortgage | 8 | 3.5% |
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; does not constitute financial advice for Colorado County borrowers.
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 Colorado County 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. 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.