Grayson County
Texas · FIPS 48181
According to CFPB HMDA 2024 application volume among U.S. counties, Grayson County ranks #363 of 3,223, and #30 of 253 in Texas.
Mortgage lending activity in Grayson 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. Grayson County, Texas lenders denied 1,281 of the applications reported here, financing the rest at an average note rate of 6.95%, with applicants self-reporting average annual income of $38K. 350 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.5x, meaning typical borrowers took on mortgages of about 7.5 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 Grayson County
In Grayson County, lead originator First United Bank and Trust CO funded only 6.9% of 3,751 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Grayson County's 7,894 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Grayson County's $286,224 average loan (deduped against volume peers).
Lenders active in Grayson County
First United Bank and Trust CO funded 259 of the 3,751 loans originated in Grayson County, 6.9% of the county. 350 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First United Bank and Trust CO | 259 | 6.9% |
| 2 | Guild Mortgage Company | 228 | 6.1% |
| 3 | United Wholesale Mortgage | 219 | 5.8% |
| 4 | PRIMELENDING | 184 | 4.9% |
| 5 | Rocket Mortgage | 179 | 4.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Grayson 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 Grayson 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.