Falls County
Texas · FIPS 48145
According to CFPB HMDA 2024 application volume among U.S. counties, Falls County ranks #2,050 of 3,210, and #135 of 253 in Texas.
Mortgage lending activity in Falls 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. Falls County, Texas saw 486 HMDA-reported mortgage applications in 2024. Lenders originated 156 of those loans and denied 157, producing a denial rate of 32.3% and an approval (origination) rate of 32.1%. The average loan amount was $178,004 at an average note rate of 7.33%, with applicants self-reporting average annual income of $39K. 71 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 Falls County
In Falls County, lead originator The First National Bank of Hughes Springs funded 12.8% of 156 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 22.4% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Falls County's 486 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Falls County's $178,004 average loan (deduped against volume peers).
Lenders active in Falls County
The First National Bank of Hughes Springs funded 20 of the 156 loans originated in Falls County, 12.8% of the county. 71 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The First National Bank of Hughes Springs | 20 | 12.8% |
| 2 | 21st Mortgage | 8 | 5.1% |
| 3 | Members Choice of Central Texas FCU | 7 | 4.5% |
| 4 | Cadence Bank | 7 | 4.5% |
| 5 | Movement Mortgage, LLC | 6 | 3.8% |
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 Falls 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 Falls 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.