PlainLender
2024 data HMDA 2024 disclosure official source

Hunt County

6,192 mortgage applications, 16.9% denial rate. Verify FIPS 48231 with U.S. Census Bureau →

PlainLender home → About this data

Texas · FIPS 48231

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.

FIPS 48231 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,192
Applications
2,845
Originated
16.9%
Denial Rate
45.9%
Approval Rate
$256,219
Avg Loan Amount
6.62%
Avg Interest Rate
$39K
Avg Applicant Income
6.6x
Loan-to-Income Ratio

Nearby Lenders in Hunt 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 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%
Compare DHI Mortgage Company, LTD. vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hunt County?
In the 2024 HMDA reporting year, 6,192 mortgage applications were filed in Hunt County, Texas. Of these, 2,845 were originated (approved and funded), while 1,044 were denied, resulting in a denial rate of 16.9%.
What is the mortgage denial rate in Hunt County?
The mortgage denial rate in Hunt County is 16.9%. The approval (origination) rate is 45.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hunt County?
The average mortgage loan amount in Hunt County is $256,219. The average interest rate is 6.624%. The average applicant income is $39K.
What is the loan-to-income ratio in Hunt County?
The average loan-to-income ratio in Hunt County is 6.6x, meaning borrowers took on loans averaging 6.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hunt County?
The top mortgage lenders in Hunt County by origination volume are DHI Mortgage Company, LTD., United Wholesale Mortgage, Rocket Mortgage. In total, 305 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.