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2024 data HMDA 2024 disclosure official source

Hardin County

2,536 mortgage applications, 28.3% denial rate. Verify FIPS 48199 with U.S. Census Bureau →

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Texas · FIPS 48199

Local mortgage market. Hardin County, Texas saw 2,536 HMDA-reported mortgage applications in 2024. Lenders originated 950 of those loans and denied 717, producing a denial rate of 28.3% and an approval (origination) rate of 37.5%. The average loan amount was $173,584 at an average note rate of 7.13%, with applicants self-reporting average annual income of $37K. 139 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 48199 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,536
Applications
950
Originated
28.3%
Denial Rate
37.5%
Approval Rate
$173,584
Avg Loan Amount
7.13%
Avg Interest Rate
$37K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Hardin 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 Neches Federal Credit Union 65 6.8%
2 United Wholesale Mortgage 63 6.6%
3 21st Mortgage 62 6.5%
4 Guild Mortgage Company 60 6.3%
5 Rocket Mortgage 49 5.2%
Compare Neches Federal Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hardin County?
In the 2024 HMDA reporting year, 2,536 mortgage applications were filed in Hardin County, Texas. Of these, 950 were originated (approved and funded), while 717 were denied, resulting in a denial rate of 28.3%.
What is the mortgage denial rate in Hardin County?
The mortgage denial rate in Hardin County is 28.3%. The approval (origination) rate is 37.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hardin County?
The average mortgage loan amount in Hardin County is $173,584. The average interest rate is 7.134%. The average applicant income is $37K.
What is the loan-to-income ratio in Hardin County?
The average loan-to-income ratio in Hardin County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hardin County?
The top mortgage lenders in Hardin County by origination volume are Neches Federal Credit Union, United Wholesale Mortgage, 21st Mortgage. In total, 139 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.