Hays County
Texas · FIPS 48209
According to CFPB HMDA 2024 application volume among U.S. counties, Hays County ranks #196 of 3,210, and #16 of 253 in Texas.
Mortgage lending activity in Hays 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. Hays County, Texas saw 14,670 HMDA-reported mortgage applications in 2024. Lenders originated 7,339 of those loans and denied 1,842, producing a denial rate of 12.6% and an approval (origination) rate of 50.0%. The average loan amount was $344,964 at an average note rate of 6.22%, with applicants self-reporting average annual income of $39K. 402 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.8x, meaning typical borrowers took on mortgages of about 8.8 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 Hays County
In Hays County, lead originator Lennar Mortgage, LLC funded only 10.1% of 7,339 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Hays County's 14,670 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hays County's $344,964 average loan (deduped against volume peers).
Lenders active in Hays County
Lennar Mortgage, LLC funded 738 of the 7,339 loans originated in Hays County, 10.1% of the county. 402 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Lennar Mortgage, LLC | 738 | 10.1% |
| 2 | DHI Mortgage Company, LTD. | 696 | 9.5% |
| 3 | Cmg Mortgage INC | 337 | 4.6% |
| 4 | Randolph-Brooks Federal Credit Union | 331 | 4.5% |
| 5 | United Wholesale Mortgage | 303 | 4.1% |
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; does not constitute financial advice for Hays County borrowers.
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 Hays County 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. 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.