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2024 data HMDA 2024 disclosure official source

Dallas County

64,513 mortgage applications, 18.3% denial rate. Verify FIPS 48113 with U.S. Census Bureau →

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Texas · FIPS 48113

Local mortgage market. Dallas County, Texas saw 64,513 HMDA-reported mortgage applications in 2024. Lenders originated 29,406 of those loans and denied 11,782, producing a denial rate of 18.3% and an approval (origination) rate of 45.6%. The average loan amount was $392,519 at an average note rate of 7.00%, with applicants self-reporting average annual income of $39K. 697 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.1x, meaning typical borrowers took on mortgages of about 10.1 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 48113 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

64,513
Applications
29,406
Originated
18.3%
Denial Rate
45.6%
Approval Rate
$392,519
Avg Loan Amount
7.00%
Avg Interest Rate
$39K
Avg Applicant Income
10.1x
Loan-to-Income Ratio

Nearby Lenders in Dallas 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 United Wholesale Mortgage 2,311 7.9%
2 Rocket Mortgage 1,742 5.9%
3 JPMorgan Chase Bank, NA 1,259 4.3%
4 Bank of America NA 842 2.9%
5 Credit Union of Texas 831 2.8%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Dallas County?
In the 2024 HMDA reporting year, 64,513 mortgage applications were filed in Dallas County, Texas. Of these, 29,406 were originated (approved and funded), while 11,782 were denied, resulting in a denial rate of 18.3%.
What is the mortgage denial rate in Dallas County?
The mortgage denial rate in Dallas County is 18.3%. The approval (origination) rate is 45.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dallas County?
The average mortgage loan amount in Dallas County is $392,519. The average interest rate is 6.998%. The average applicant income is $39K.
What is the loan-to-income ratio in Dallas County?
The average loan-to-income ratio in Dallas County is 10.1x, meaning borrowers took on loans averaging 10.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dallas County?
The top mortgage lenders in Dallas County by origination volume are United Wholesale Mortgage, Rocket Mortgage, JPMorgan Chase Bank, NA. In total, 697 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.