Hall County
Texas · FIPS 48191
According to CFPB HMDA 2024 application volume among U.S. counties, Hall County ranks #3,100 of 3,223, and #235 of 253 in Texas.
Mortgage lending activity in Hall 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. Hall County, Texas lenders denied 8 of the applications reported here, financing the rest at an average note rate of 7.12%, with applicants self-reporting average annual income of $37K. 10 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 2.0x, meaning typical borrowers took on mortgages of about 2.0 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 Hall County
In Hall County, lead originator Amarillo National Bank funded 18.2% of 11 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 36.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Hall County's 36 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hall County's $75,278 average loan (deduped against volume peers).
Lenders active in Hall County
Amarillo National Bank funded 2 of the 11 loans originated in Hall County, 18.2% of the county. 10 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Amarillo National Bank | 2 | 18.2% |
| 2 | Freedom Mortgage Corporation | 1 | 9.1% |
| 3 | Carrington Mortgage Services L | 1 | 9.1% |
| 4 | FirstBank Southwest | 1 | 9.1% |
| 5 | Herring Bank | 1 | 9.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Hall 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 Hall 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.