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2024 data HMDA 2024 disclosure official source

Irion County

38 mortgage applications, 28.9% denial rate. Verify FIPS 48235 with U.S. Census Bureau →

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Texas · FIPS 48235

Local mortgage market. Irion County, Texas saw 38 HMDA-reported mortgage applications in 2024. Lenders originated 14 of those loans and denied 11, producing a denial rate of 28.9% and an approval (origination) rate of 36.8%. The average loan amount was $199,474 at an average note rate of 7.67%, with applicants self-reporting average annual income of $36K. 13 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 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 48235 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

38
Applications
14
Originated
28.9%
Denial Rate
36.8%
Approval Rate
$199,474
Avg Loan Amount
7.67%
Avg Interest Rate
$36K
Avg Applicant Income
5.5x
Loan-to-Income Ratio

Nearby Lenders in Irion 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 Mortgage Financial Services 2 14.3%
2 Royal United Mortgage LLC 1 7.1%
3 Countryplace Mortgage, LTD. 1 7.1%
4 American Pacific Mortgage Corporation 1 7.1%
5 21st Mortgage 1 7.1%
Compare Mortgage Financial Services vs Royal United Mortgage LLC →

Frequently Asked Questions

How many mortgage applications were filed in Irion County?
In the 2024 HMDA reporting year, 38 mortgage applications were filed in Irion County, Texas. Of these, 14 were originated (approved and funded), while 11 were denied, resulting in a denial rate of 28.9%.
What is the mortgage denial rate in Irion County?
The mortgage denial rate in Irion County is 28.9%. The approval (origination) rate is 36.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Irion County?
The average mortgage loan amount in Irion County is $199,474. The average interest rate is 7.672%. The average applicant income is $36K.
What is the loan-to-income ratio in Irion County?
The average loan-to-income ratio in Irion County is 5.5x, meaning borrowers took on loans averaging 5.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Irion County?
The top mortgage lenders in Irion County by origination volume are Mortgage Financial Services, Royal United Mortgage LLC, Countryplace Mortgage, LTD.. In total, 13 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.