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2024 data HMDA 2024 disclosure official source

Fayette County

661 mortgage applications, 21.6% denial rate. Verify FIPS 48149 with U.S. Census Bureau →

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Texas · FIPS 48149

Local mortgage market. Fayette County, Texas saw 661 HMDA-reported mortgage applications in 2024. Lenders originated 303 of those loans and denied 143, producing a denial rate of 21.6% and an approval (origination) rate of 45.8%. The average loan amount was $279,796 at an average note rate of 7.39%, with applicants self-reporting average annual income of $38K. 103 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.4x, meaning typical borrowers took on mortgages of about 7.4 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 48149 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

661
Applications
303
Originated
21.6%
Denial Rate
45.8%
Approval Rate
$279,796
Avg Loan Amount
7.39%
Avg Interest Rate
$38K
Avg Applicant Income
7.4x
Loan-to-Income Ratio

Nearby Lenders in Fayette 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 Round Top State Bank 38 12.5%
2 21st Mortgage 20 6.6%
3 Rocket Mortgage 17 5.6%
4 United Wholesale Mortgage 13 4.3%
5 Vanderbilt Mortgage and Finance, INC 13 4.3%
Compare Round Top State Bank vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Fayette County?
In the 2024 HMDA reporting year, 661 mortgage applications were filed in Fayette County, Texas. Of these, 303 were originated (approved and funded), while 143 were denied, resulting in a denial rate of 21.6%.
What is the mortgage denial rate in Fayette County?
The mortgage denial rate in Fayette County is 21.6%. The approval (origination) rate is 45.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Fayette County?
The average mortgage loan amount in Fayette County is $279,796. The average interest rate is 7.387%. The average applicant income is $38K.
What is the loan-to-income ratio in Fayette County?
The average loan-to-income ratio in Fayette County is 7.4x, meaning borrowers took on loans averaging 7.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Fayette County?
The top mortgage lenders in Fayette County by origination volume are Round Top State Bank, 21st Mortgage, Rocket Mortgage. In total, 103 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.