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2024 data HMDA 2024 disclosure official source

Hall County

36 mortgage applications, 22.2% denial rate. Verify FIPS 48191 with U.S. Census Bureau →

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Texas · FIPS 48191

Local mortgage market. Hall County, Texas saw 36 HMDA-reported mortgage applications in 2024. Lenders originated 11 of those loans and denied 8, producing a denial rate of 22.2% and an approval (origination) rate of 30.6%. The average loan amount was $75,278 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.

FIPS 48191 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

36
Applications
11
Originated
22.2%
Denial Rate
30.6%
Approval Rate
$75,278
Avg Loan Amount
7.12%
Avg Interest Rate
$37K
Avg Applicant Income
2.0x
Loan-to-Income Ratio

Nearby Lenders in Hall 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 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%
Compare Amarillo National Bank vs Freedom Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Hall County?
In the 2024 HMDA reporting year, 36 mortgage applications were filed in Hall County, Texas. Of these, 11 were originated (approved and funded), while 8 were denied, resulting in a denial rate of 22.2%.
What is the mortgage denial rate in Hall County?
The mortgage denial rate in Hall County is 22.2%. The approval (origination) rate is 30.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hall County?
The average mortgage loan amount in Hall County is $75,278. The average interest rate is 7.124%. The average applicant income is $37K.
What is the loan-to-income ratio in Hall County?
The average loan-to-income ratio in Hall County is 2.0x, meaning borrowers took on loans averaging 2.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hall County?
The top mortgage lenders in Hall County by origination volume are Amarillo National Bank, Freedom Mortgage Corporation, Carrington Mortgage Services L. In total, 10 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.