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2024 data HMDA 2024 disclosure official source

Hopkins County

1,150 mortgage applications, 23.0% denial rate. Verify FIPS 48223 with U.S. Census Bureau →

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Texas · FIPS 48223

Local mortgage market. Hopkins County, Texas saw 1,150 HMDA-reported mortgage applications in 2024. Lenders originated 512 of those loans and denied 264, producing a denial rate of 23.0% and an approval (origination) rate of 44.5%. The average loan amount was $226,139 at an average note rate of 7.33%, with applicants self-reporting average annual income of $39K. 102 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 48223 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,150
Applications
512
Originated
23.0%
Denial Rate
44.5%
Approval Rate
$226,139
Avg Loan Amount
7.33%
Avg Interest Rate
$39K
Avg Applicant Income
5.8x
Loan-to-Income Ratio

Nearby Lenders in Hopkins 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 The City National Bank of Sulphur Springs 81 15.8%
2 Alliance Bank 48 9.4%
3 Nations Lending Corporation 29 5.7%
4 Rocket Mortgage 28 5.5%
5 21st Mortgage 24 4.7%
Compare The City National Bank of Sulphur Springs vs Alliance Bank →

Frequently Asked Questions

How many mortgage applications were filed in Hopkins County?
In the 2024 HMDA reporting year, 1,150 mortgage applications were filed in Hopkins County, Texas. Of these, 512 were originated (approved and funded), while 264 were denied, resulting in a denial rate of 23.0%.
What is the mortgage denial rate in Hopkins County?
The mortgage denial rate in Hopkins County is 23.0%. The approval (origination) rate is 44.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hopkins County?
The average mortgage loan amount in Hopkins County is $226,139. The average interest rate is 7.330%. The average applicant income is $39K.
What is the loan-to-income ratio in Hopkins County?
The average loan-to-income ratio in Hopkins County is 5.8x, meaning borrowers took on loans averaging 5.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hopkins County?
The top mortgage lenders in Hopkins County by origination volume are The City National Bank of Sulphur Springs, Alliance Bank, Nations Lending Corporation. In total, 102 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.