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2024 data HMDA 2024 disclosure official source

Dimmit County

168 mortgage applications, 28.6% denial rate. Verify FIPS 48127 with U.S. Census Bureau →

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Texas · FIPS 48127

Local mortgage market. Dimmit County, Texas saw 168 HMDA-reported mortgage applications in 2024. Lenders originated 53 of those loans and denied 48, producing a denial rate of 28.6% and an approval (origination) rate of 31.5%. The average loan amount was $146,607 at an average note rate of 7.50%, with applicants self-reporting average annual income of $39K. 24 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.

FIPS 48127 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

168
Applications
53
Originated
28.6%
Denial Rate
31.5%
Approval Rate
$146,607
Avg Loan Amount
7.50%
Avg Interest Rate
$39K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Dimmit 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 21st Mortgage 13 24.5%
2 Highlands Residential Mortgage, Ltd. 5 9.4%
3 Fairway Independent Mort CORP 4 7.5%
4 Cmg Mortgage INC 4 7.5%
5 Rocket Mortgage 3 5.7%
Compare 21st Mortgage vs Highlands Residential Mortgage, Ltd. →

Frequently Asked Questions

How many mortgage applications were filed in Dimmit County?
In the 2024 HMDA reporting year, 168 mortgage applications were filed in Dimmit County, Texas. Of these, 53 were originated (approved and funded), while 48 were denied, resulting in a denial rate of 28.6%.
What is the mortgage denial rate in Dimmit County?
The mortgage denial rate in Dimmit County is 28.6%. The approval (origination) rate is 31.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dimmit County?
The average mortgage loan amount in Dimmit County is $146,607. The average interest rate is 7.498%. The average applicant income is $39K.
What is the loan-to-income ratio in Dimmit County?
The average loan-to-income ratio in Dimmit County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dimmit County?
The top mortgage lenders in Dimmit County by origination volume are 21st Mortgage, Highlands Residential Mortgage, Ltd., Fairway Independent Mort CORP. In total, 24 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.