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2024 data HMDA 2024 disclosure official source

Hays County

14,670 mortgage applications, 12.6% denial rate. Verify FIPS 48209 with U.S. Census Bureau →

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Texas · FIPS 48209

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.

FIPS 48209 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

14,670
Applications
7,339
Originated
12.6%
Denial Rate
50.0%
Approval Rate
$344,964
Avg Loan Amount
6.22%
Avg Interest Rate
$39K
Avg Applicant Income
8.8x
Loan-to-Income Ratio

Nearby Lenders in Hays 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 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%
Compare Lennar Mortgage, LLC vs DHI Mortgage Company, LTD. →

Frequently Asked Questions

How many mortgage applications were filed in Hays County?
In the 2024 HMDA reporting year, 14,670 mortgage applications were filed in Hays County, Texas. Of these, 7,339 were originated (approved and funded), while 1,842 were denied, resulting in a denial rate of 12.6%.
What is the mortgage denial rate in Hays County?
The mortgage denial rate in Hays County is 12.6%. The approval (origination) rate is 50.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hays County?
The average mortgage loan amount in Hays County is $344,964. The average interest rate is 6.225%. The average applicant income is $39K.
What is the loan-to-income ratio in Hays County?
The average loan-to-income ratio in Hays County is 8.8x, meaning borrowers took on loans averaging 8.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hays County?
The top mortgage lenders in Hays County by origination volume are Lennar Mortgage, LLC, DHI Mortgage Company, LTD., Cmg Mortgage INC. In total, 402 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.