Gonzales County
Texas · FIPS 48177
According to CFPB HMDA 2024 application volume among U.S. counties, Gonzales County ranks #1,964 of 3,223, and #130 of 253 in Texas.
Mortgage lending activity in Gonzales 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. Gonzales County, Texas lenders denied 146 of the applications reported here, financing the rest at an average note rate of 7.70%, with applicants self-reporting average annual income of $39K. 60 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 Gonzales County
In Gonzales County, lead originator 21st Mortgage funded 12.4% of 194 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.4% 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 Gonzales County's 536 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Gonzales County's $198,862 average loan (deduped against volume peers).
Lenders active in Gonzales County
21st Mortgage funded 24 of the 194 loans originated in Gonzales County, 12.4% of the county. 60 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | 21st Mortgage | 24 | 12.4% |
| 2 | Randolph-Brooks Federal Credit Union | 19 | 9.8% |
| 3 | United Wholesale Mortgage | 18 | 9.3% |
| 4 | Sage Capital Bank | 14 | 7.2% |
| 5 | Mortgage Research Center | 7 | 3.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Gonzales 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 Gonzales 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.