Foard County
Texas · FIPS 48155
According to CFPB HMDA 2024 application volume among U.S. counties, Foard County ranks #3,169 of 3,223, and #245 of 253 in Texas.
Mortgage lending activity in Foard 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. Foard County, Texas lenders denied 4 of the applications reported here, financing the rest at an average note rate of 7.44%, with applicants self-reporting average annual income of $26K. 6 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Foard County
In Foard County, lead originator Farm Credit Mid-America, Aca funded 16.7% of 6 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 50.0% 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 Foard County's 16 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Foard County's $124,375 average loan (deduped against volume peers).
Lenders active in Foard County
Farm Credit Mid-America, Aca funded 1 of the 6 loans originated in Foard County, 16.7% of the county. 6 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Farm Credit Mid-America, Aca | 1 | 16.7% |
| 2 | Mortgage Research Center | 1 | 16.7% |
| 3 | Evergreen Moneysource Mortgage Company | 1 | 16.7% |
| 4 | Network Funding, L.P. | 1 | 16.7% |
| 5 | Alliance Credit Union | 1 | 16.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Foard County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Foard County borrowers. 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.