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2024 data HMDA 2024 disclosure official source

Harrison County

2,226 mortgage applications, 24.4% denial rate. Verify FIPS 48203 with U.S. Census Bureau →

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Texas · FIPS 48203

Local mortgage market. Harrison County, Texas saw 2,226 HMDA-reported mortgage applications in 2024. Lenders originated 964 of those loans and denied 542, producing a denial rate of 24.4% and an approval (origination) rate of 43.3%. The average loan amount was $198,342 at an average note rate of 7.26%, with applicants self-reporting average annual income of $38K. 159 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 48203 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,226
Applications
964
Originated
24.4%
Denial Rate
43.3%
Approval Rate
$198,342
Avg Loan Amount
7.26%
Avg Interest Rate
$38K
Avg Applicant Income
5.2x
Loan-to-Income Ratio

Nearby Lenders in Harrison 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 Eastman Credit Union 88 9.1%
2 Guild Mortgage Company 64 6.6%
3 Rocket Mortgage 60 6.2%
4 United Wholesale Mortgage 45 4.7%
5 21st Mortgage 44 4.6%
Compare Eastman Credit Union vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Harrison County?
In the 2024 HMDA reporting year, 2,226 mortgage applications were filed in Harrison County, Texas. Of these, 964 were originated (approved and funded), while 542 were denied, resulting in a denial rate of 24.4%.
What is the mortgage denial rate in Harrison County?
The mortgage denial rate in Harrison County is 24.4%. The approval (origination) rate is 43.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Harrison County?
The average mortgage loan amount in Harrison County is $198,342. The average interest rate is 7.260%. The average applicant income is $38K.
What is the loan-to-income ratio in Harrison County?
The average loan-to-income ratio in Harrison County is 5.2x, meaning borrowers took on loans averaging 5.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Harrison County?
The top mortgage lenders in Harrison County by origination volume are Eastman Credit Union, Guild Mortgage Company, Rocket Mortgage. In total, 159 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.