Frio County
Texas · FIPS 48163
According to CFPB HMDA 2024 application volume among U.S. counties, Frio County ranks #2,167 of 3,210, and #148 of 253 in Texas.
Mortgage lending activity in Frio 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. Frio County, Texas saw 401 HMDA-reported mortgage applications in 2024. Lenders originated 117 of those loans and denied 125, producing a denial rate of 31.2% and an approval (origination) rate of 29.2%. The average loan amount was $178,392 at an average note rate of 7.74%, with applicants self-reporting average annual income of $40K. 51 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Frio County
In Frio County, lead originator 21st Mortgage funded 24.8% of 117 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 35.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Frio County's 401 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Frio County's $178,392 average loan (deduped against volume peers).
Lenders active in Frio County
21st Mortgage funded 29 of the 117 loans originated in Frio County, 24.8% of the county. 51 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | 21st Mortgage | 29 | 24.8% |
| 2 | United Wholesale Mortgage | 7 | 6.0% |
| 3 | Rocket Mortgage | 6 | 5.1% |
| 4 | American Pacific Mortgage Corporation | 5 | 4.3% |
| 5 | Mortgage Research Center | 4 | 3.4% |
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 Frio 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 Frio 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.