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2024 data HMDA 2024 disclosure official source

Gray County

522 mortgage applications, 17.6% denial rate. Verify FIPS 48179 with U.S. Census Bureau →

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Texas · FIPS 48179

Local mortgage market. Gray County, Texas saw 522 HMDA-reported mortgage applications in 2024. Lenders originated 231 of those loans and denied 92, producing a denial rate of 17.6% and an approval (origination) rate of 44.3%. The average loan amount was $131,341 at an average note rate of 6.94%, with applicants self-reporting average annual income of $37K. 57 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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.

FIPS 48179 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

522
Applications
231
Originated
17.6%
Denial Rate
44.3%
Approval Rate
$131,341
Avg Loan Amount
6.94%
Avg Interest Rate
$37K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in Gray 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 FirstBank Southwest 45 19.5%
2 Eustis Mortgage Corp 20 8.7%
3 Amarillo National Bank 20 8.7%
4 Rocket Mortgage 13 5.6%
5 Equity Prime Mortgage LLC 11 4.8%
Compare FirstBank Southwest vs Eustis Mortgage Corp →

Frequently Asked Questions

How many mortgage applications were filed in Gray County?
In the 2024 HMDA reporting year, 522 mortgage applications were filed in Gray County, Texas. Of these, 231 were originated (approved and funded), while 92 were denied, resulting in a denial rate of 17.6%.
What is the mortgage denial rate in Gray County?
The mortgage denial rate in Gray County is 17.6%. The approval (origination) rate is 44.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Gray County?
The average mortgage loan amount in Gray County is $131,341. The average interest rate is 6.939%. The average applicant income is $37K.
What is the loan-to-income ratio in Gray County?
The average loan-to-income ratio in Gray County is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Gray County?
The top mortgage lenders in Gray County by origination volume are FirstBank Southwest, Eustis Mortgage Corp, Amarillo National Bank. In total, 57 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.