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2024 data HMDA 2024 disclosure official source

Dawson County

184 mortgage applications, 15.2% denial rate. Verify FIPS 48115 with U.S. Census Bureau →

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Texas · FIPS 48115

Local mortgage market. Dawson County, Texas saw 184 HMDA-reported mortgage applications in 2024. Lenders originated 81 of those loans and denied 28, producing a denial rate of 15.2% and an approval (origination) rate of 44.0%. The average loan amount was $153,750 at an average note rate of 7.03%, with applicants self-reporting average annual income of $37K. 30 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 48115 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

184
Applications
81
Originated
15.2%
Denial Rate
44.0%
Approval Rate
$153,750
Avg Loan Amount
7.03%
Avg Interest Rate
$37K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Dawson 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 Interlinc Mortgage Services, LLC 12 14.8%
2 First United Bank 10 12.3%
3 Ark-La-Tex Financial Services LLC 10 12.3%
4 JPMorgan Chase Bank, NA 6 7.4%
5 Cardinal Financial Company, Li 5 6.2%
Compare Interlinc Mortgage Services, LLC vs First United Bank →

Frequently Asked Questions

How many mortgage applications were filed in Dawson County?
In the 2024 HMDA reporting year, 184 mortgage applications were filed in Dawson County, Texas. Of these, 81 were originated (approved and funded), while 28 were denied, resulting in a denial rate of 15.2%.
What is the mortgage denial rate in Dawson County?
The mortgage denial rate in Dawson County is 15.2%. The approval (origination) rate is 44.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dawson County?
The average mortgage loan amount in Dawson County is $153,750. The average interest rate is 7.030%. The average applicant income is $37K.
What is the loan-to-income ratio in Dawson County?
The average loan-to-income ratio in Dawson County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dawson County?
The top mortgage lenders in Dawson County by origination volume are Interlinc Mortgage Services, LLC, First United Bank, Ark-La-Tex Financial Services LLC. In total, 30 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.