Jefferson County
Texas · FIPS 48245
According to CFPB HMDA 2024 application volume among U.S. counties, Jefferson County ranks #481 of 3,223, and #37 of 253 in Texas.
Mortgage lending activity in Jefferson 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. Jefferson County, Texas lenders denied 944 of the applications reported here, financing the rest at an average note rate of 6.84%, with applicants self-reporting average annual income of $38K. 215 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Jefferson County
In Jefferson County, lead originator Neches Federal Credit Union funded only 10.4% of 2,742 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Jefferson County's 5,458 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jefferson County's $195,748 average loan (deduped against volume peers).
Lenders active in Jefferson County
Neches Federal Credit Union funded 284 of the 2,742 loans originated in Jefferson County, 10.4% of the county. 215 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Neches Federal Credit Union | 284 | 10.4% |
| 2 | United Wholesale Mortgage | 237 | 8.6% |
| 3 | Guild Mortgage Company | 148 | 5.4% |
| 4 | Fivepoint Credit Union | 136 | 5.0% |
| 5 | Rocket Mortgage | 122 | 4.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Jefferson County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Jefferson County borrowers. 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.