PlainLender
2024 data HMDA 2024 disclosure official source

Cottle County

10 mortgage applications, 20.0% denial rate. Verify FIPS 48101 with U.S. Census Bureau →

PlainLender home → About this data

Texas · FIPS 48101

Local mortgage market. Cottle County, Texas saw 10 HMDA-reported mortgage applications in 2024. Lenders originated 6 of those loans and denied 2, producing a denial rate of 20.0% and an approval (origination) rate of 60.0%. The average loan amount was $98,000 at an average note rate of 7.08%, with applicants self-reporting average annual income of $33K. 5 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 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 48101 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

10
Applications
6
Originated
20.0%
Denial Rate
60.0%
Approval Rate
$98,000
Avg Loan Amount
7.08%
Avg Interest Rate
$33K
Avg Applicant Income
3.0x
Loan-to-Income Ratio

Nearby Lenders in Cottle 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 2 33.3%
2 Farm Credit Mid-America, Aca 1 16.7%
3 Wellington State Bank 1 16.7%
4 First United Bank 1 16.7%
5 Das Acquisition Company, LLC 1 16.7%
Compare Rocket Mortgage vs Farm Credit Mid-America, Aca →

Frequently Asked Questions

How many mortgage applications were filed in Cottle County?
In the 2024 HMDA reporting year, 10 mortgage applications were filed in Cottle County, Texas. Of these, 6 were originated (approved and funded), while 2 were denied, resulting in a denial rate of 20.0%.
What is the mortgage denial rate in Cottle County?
The mortgage denial rate in Cottle County is 20.0%. The approval (origination) rate is 60.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cottle County?
The average mortgage loan amount in Cottle County is $98,000. The average interest rate is 7.075%. The average applicant income is $33K.
What is the loan-to-income ratio in Cottle County?
The average loan-to-income ratio in Cottle County is 3.0x, meaning borrowers took on loans averaging 3.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cottle County?
The top mortgage lenders in Cottle County by origination volume are Rocket Mortgage, Farm Credit Mid-America, Aca, Wellington State Bank. In total, 5 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.