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2024 data HMDA 2024 disclosure official source

Grayson County

7,894 mortgage applications, 16.2% denial rate. Verify FIPS 48181 with U.S. Census Bureau →

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Texas · FIPS 48181

Local mortgage market. Grayson County, Texas saw 7,894 HMDA-reported mortgage applications in 2024. Lenders originated 3,751 of those loans and denied 1,281, producing a denial rate of 16.2% and an approval (origination) rate of 47.5%. The average loan amount was $286,224 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.

FIPS 48181 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

7,894
Applications
3,751
Originated
16.2%
Denial Rate
47.5%
Approval Rate
$286,224
Avg Loan Amount
6.95%
Avg Interest Rate
$38K
Avg Applicant Income
7.5x
Loan-to-Income Ratio

Nearby Lenders in Grayson 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 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%
Compare First United Bank and Trust CO vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Grayson County?
In the 2024 HMDA reporting year, 7,894 mortgage applications were filed in Grayson County, Texas. Of these, 3,751 were originated (approved and funded), while 1,281 were denied, resulting in a denial rate of 16.2%.
What is the mortgage denial rate in Grayson County?
The mortgage denial rate in Grayson County is 16.2%. The approval (origination) rate is 47.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Grayson County?
The average mortgage loan amount in Grayson County is $286,224. The average interest rate is 6.947%. The average applicant income is $38K.
What is the loan-to-income ratio in Grayson County?
The average loan-to-income ratio in Grayson County is 7.5x, meaning borrowers took on loans averaging 7.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Grayson County?
The top mortgage lenders in Grayson County by origination volume are First United Bank and Trust CO, Guild Mortgage Company, United Wholesale Mortgage. In total, 350 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.