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2024 data HMDA 2024 disclosure official source

Ellis County

12,204 mortgage applications, 15.8% denial rate. Verify FIPS 48139 with U.S. Census Bureau →

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Texas · FIPS 48139

Local mortgage market. Ellis County, Texas saw 12,204 HMDA-reported mortgage applications in 2024. Lenders originated 5,626 of those loans and denied 1,934, producing a denial rate of 15.8% and an approval (origination) rate of 46.1%. The average loan amount was $338,190 at an average note rate of 6.61%, with applicants self-reporting average annual income of $40K. 387 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.5x, meaning typical borrowers took on mortgages of about 8.5 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 48139 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

12,204
Applications
5,626
Originated
15.8%
Denial Rate
46.1%
Approval Rate
$338,190
Avg Loan Amount
6.61%
Avg Interest Rate
$40K
Avg Applicant Income
8.5x
Loan-to-Income Ratio

Nearby Lenders in Ellis 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 376 6.7%
2 Rocket Mortgage 289 5.1%
3 DHI Mortgage Company, LTD. 258 4.6%
4 Trinity Oaks Mortgage 199 3.5%
5 Loandepot.Com, LLC 146 2.6%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Ellis County?
In the 2024 HMDA reporting year, 12,204 mortgage applications were filed in Ellis County, Texas. Of these, 5,626 were originated (approved and funded), while 1,934 were denied, resulting in a denial rate of 15.8%.
What is the mortgage denial rate in Ellis County?
The mortgage denial rate in Ellis County is 15.8%. The approval (origination) rate is 46.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Ellis County?
The average mortgage loan amount in Ellis County is $338,190. The average interest rate is 6.612%. The average applicant income is $40K.
What is the loan-to-income ratio in Ellis County?
The average loan-to-income ratio in Ellis County is 8.5x, meaning borrowers took on loans averaging 8.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Ellis County?
The top mortgage lenders in Ellis County by origination volume are United Wholesale Mortgage, Rocket Mortgage, DHI Mortgage Company, LTD.. In total, 387 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.