Denton County
Texas · FIPS 48121
According to CFPB HMDA 2024 application volume among U.S. counties, Denton County ranks #26 of 3,210, and #6 of 253 in Texas.
Mortgage lending activity in Denton 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. Denton County, Texas saw 48,585 HMDA-reported mortgage applications in 2024. Lenders originated 24,147 of those loans and denied 6,322, producing a denial rate of 13.0% and an approval (origination) rate of 49.7%. The average loan amount was $425,029 at an average note rate of 6.67%, with applicants self-reporting average annual income of $39K. 621 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.9x, meaning typical borrowers took on mortgages of about 10.9 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 Denton County
In Denton County, lead originator United Wholesale Mortgage funded only 8.4% of 24,147 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 21.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Denton County's 48,585 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Denton County's $425,029 average loan (deduped against volume peers).
Lenders active in Denton County
United Wholesale Mortgage funded 2,034 of the 24,147 loans originated in Denton County, 8.4% of the county. 621 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 2,034 | 8.4% |
| 2 | DHI Mortgage Company, LTD. | 1,917 | 7.9% |
| 3 | Rocket Mortgage | 1,215 | 5.0% |
| 4 | Lennar Mortgage, LLC | 793 | 3.3% |
| 5 | PRIMELENDING | 525 | 2.2% |
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 Denton 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 Denton 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.