Deaf Smith County
Texas · FIPS 48117
According to CFPB HMDA 2024 application volume among U.S. counties, Deaf Smith County ranks #2,152 of 3,210, and #147 of 253 in Texas.
Mortgage lending activity in Deaf Smith 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. Deaf Smith County, Texas saw 412 HMDA-reported mortgage applications in 2024. Lenders originated 171 of those loans and denied 100, producing a denial rate of 24.3% and an approval (origination) rate of 41.5%. The average loan amount was $150,461 at an average note rate of 7.09%, with applicants self-reporting average annual income of $40K. 53 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 Deaf Smith County
In Deaf Smith County, lead originator FirstBank Southwest funded 18.7% of 171 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 35.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Deaf Smith County's 412 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Deaf Smith County's $150,461 average loan (deduped against volume peers).
Lenders active in Deaf Smith County
FirstBank Southwest funded 32 of the 171 loans originated in Deaf Smith County, 18.7% of the county. 53 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FirstBank Southwest | 32 | 18.7% |
| 2 | First Financial Bank | 15 | 8.8% |
| 3 | Fairway Independent Mort CORP | 14 | 8.2% |
| 4 | PRIMELENDING | 11 | 6.4% |
| 5 | Union Home Mortgage Corp. | 11 | 6.4% |
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 Deaf Smith 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 Deaf Smith 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.