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2024 data HMDA 2024 disclosure official source

Falls County

486 mortgage applications, 32.3% denial rate. Verify FIPS 48145 with U.S. Census Bureau →

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Texas · FIPS 48145

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.

FIPS 48145 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

486
Applications
156
Originated
32.3%
Denial Rate
32.1%
Approval Rate
$178,004
Avg Loan Amount
7.33%
Avg Interest Rate
$39K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Falls 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 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%
Compare The First National Bank of Hughes Springs vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Falls County?
In the 2024 HMDA reporting year, 486 mortgage applications were filed in Falls County, Texas. Of these, 156 were originated (approved and funded), while 157 were denied, resulting in a denial rate of 32.3%.
What is the mortgage denial rate in Falls County?
The mortgage denial rate in Falls County is 32.3%. The approval (origination) rate is 32.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Falls County?
The average mortgage loan amount in Falls County is $178,004. The average interest rate is 7.334%. The average applicant income is $39K.
What is the loan-to-income ratio in Falls County?
The average loan-to-income ratio in Falls County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Falls County?
The top mortgage lenders in Falls County by origination volume are The First National Bank of Hughes Springs, 21st Mortgage, Members Choice of Central Texas FCU. In total, 71 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.