Hunt County
Texas · FIPS 48231
According to CFPB HMDA 2024 application volume among U.S. counties, Hunt County ranks #429 of 3,210, and #35 of 253 in Texas.
Mortgage lending activity in Hunt 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. Hunt County, Texas saw 6,192 HMDA-reported mortgage applications in 2024. Lenders originated 2,845 of those loans and denied 1,044, producing a denial rate of 16.9% and an approval (origination) rate of 45.9%. The average loan amount was $256,219 at an average note rate of 6.62%, with applicants self-reporting average annual income of $39K. 305 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 Hunt County
In Hunt County, lead originator DHI Mortgage Company, LTD. funded 16.9% of 2,845 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 27.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Hunt County's 6,192 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hunt County's $256,219 average loan (deduped against volume peers).
Lenders active in Hunt County
DHI Mortgage Company, LTD. funded 480 of the 2,845 loans originated in Hunt County, 16.9% of the county. 305 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | DHI Mortgage Company, LTD. | 480 | 16.9% |
| 2 | United Wholesale Mortgage | 171 | 6.0% |
| 3 | Rocket Mortgage | 120 | 4.2% |
| 4 | 21st Mortgage | 78 | 2.7% |
| 5 | American National Bank of Texa | 77 | 2.7% |
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 Hunt 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 Hunt 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.