Houston County
Texas · FIPS 48225
According to CFPB HMDA 2024 application volume among U.S. counties, Houston County ranks #1,845 of 3,223, and #118 of 253 in Texas.
Mortgage lending activity in Houston 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. Houston County, Texas lenders denied 202 of the applications reported here, financing the rest at an average note rate of 7.42%, with applicants self-reporting average annual income of $36K. 79 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 Houston County
In Houston County, lead originator 21st Mortgage funded only 9.1% of 219 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Houston County's 624 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Houston County's $171,554 average loan (deduped against volume peers).
Lenders active in Houston County
21st Mortgage funded 20 of the 219 loans originated in Houston County, 9.1% of the county. 79 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | 21st Mortgage | 20 | 9.1% |
| 2 | Rocket Mortgage | 18 | 8.2% |
| 3 | First National Bank of Huntsville | 18 | 8.2% |
| 4 | Prosperity Bank | 14 | 6.4% |
| 5 | United Wholesale Mortgage | 12 | 5.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Houston County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Houston County borrowers. 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.