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2024 data HMDA 2024 disclosure official source

Hutchinson County

697 mortgage applications, 18.4% denial rate. Verify FIPS 48233 with U.S. Census Bureau →

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Texas · FIPS 48233

Local mortgage market. Hutchinson County, Texas saw 697 HMDA-reported mortgage applications in 2024. Lenders originated 279 of those loans and denied 128, producing a denial rate of 18.4% and an approval (origination) rate of 40.0%. The average loan amount was $140,610 at an average note rate of 7.16%, with applicants self-reporting average annual income of $36K. 66 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 48233 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

697
Applications
279
Originated
18.4%
Denial Rate
40.0%
Approval Rate
$140,610
Avg Loan Amount
7.16%
Avg Interest Rate
$36K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Hutchinson 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 Amarillo National Bank 72 25.8%
2 Rocket Mortgage 21 7.5%
3 Right Start Mortgage, Inc 14 5.0%
4 Centennial Bank 12 4.3%
5 21st Mortgage 9 3.2%
Compare Amarillo National Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hutchinson County?
In the 2024 HMDA reporting year, 697 mortgage applications were filed in Hutchinson County, Texas. Of these, 279 were originated (approved and funded), while 128 were denied, resulting in a denial rate of 18.4%.
What is the mortgage denial rate in Hutchinson County?
The mortgage denial rate in Hutchinson County is 18.4%. The approval (origination) rate is 40.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hutchinson County?
The average mortgage loan amount in Hutchinson County is $140,610. The average interest rate is 7.158%. The average applicant income is $36K.
What is the loan-to-income ratio in Hutchinson County?
The average loan-to-income ratio in Hutchinson County is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hutchinson County?
The top mortgage lenders in Hutchinson County by origination volume are Amarillo National Bank, Rocket Mortgage, Right Start Mortgage, Inc. In total, 66 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.