Jack County
Texas · FIPS 48237
According to CFPB HMDA 2024 application volume among U.S. counties, Jack County ranks #2,466 of 3,210, and #165 of 253 in Texas.
Mortgage lending activity in Jack 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. Jack County, Texas saw 250 HMDA-reported mortgage applications in 2024. Lenders originated 109 of those loans and denied 48, producing a denial rate of 19.2% and an approval (origination) rate of 43.6%. The average loan amount was $247,840 at an average note rate of 7.38%, with applicants self-reporting average annual income of $39K. 42 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 Jack County
In Jack County, lead originator Jacksboro National Bank funded 20.2% of 109 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 36.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Jack County's 250 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jack County's $247,840 average loan (deduped against volume peers).
Lenders active in Jack County
Jacksboro National Bank funded 22 of the 109 loans originated in Jack County, 20.2% of the county. 42 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Jacksboro National Bank | 22 | 20.2% |
| 2 | Rocket Mortgage | 9 | 8.3% |
| 3 | United Wholesale Mortgage | 9 | 8.3% |
| 4 | 21st Mortgage | 8 | 7.3% |
| 5 | First Financial Bank | 8 | 7.3% |
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 Jack 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 Jack 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.