PlainLender
2024 data HMDA 2024 disclosure official source

Jefferson County

5,458 mortgage applications, 17.3% denial rate. Verify FIPS 48245 with U.S. Census Bureau →

PlainLender home → About this data

Texas · FIPS 48245

Local mortgage market. Jefferson County, Texas saw 5,458 HMDA-reported mortgage applications in 2024. Lenders originated 2,742 of those loans and denied 944, producing a denial rate of 17.3% and an approval (origination) rate of 50.2%. The average loan amount was $195,748 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.

FIPS 48245 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,458
Applications
2,742
Originated
17.3%
Denial Rate
50.2%
Approval Rate
$195,748
Avg Loan Amount
6.84%
Avg Interest Rate
$38K
Avg Applicant Income
5.2x
Loan-to-Income Ratio

Nearby Lenders in Jefferson 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 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%
Compare Neches Federal Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Jefferson County?
In the 2024 HMDA reporting year, 5,458 mortgage applications were filed in Jefferson County, Texas. Of these, 2,742 were originated (approved and funded), while 944 were denied, resulting in a denial rate of 17.3%.
What is the mortgage denial rate in Jefferson County?
The mortgage denial rate in Jefferson County is 17.3%. The approval (origination) rate is 50.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Jefferson County?
The average mortgage loan amount in Jefferson County is $195,748. The average interest rate is 6.841%. The average applicant income is $38K.
What is the loan-to-income ratio in Jefferson County?
The average loan-to-income ratio in Jefferson County is 5.2x, meaning borrowers took on loans averaging 5.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Jefferson County?
The top mortgage lenders in Jefferson County by origination volume are Neches Federal Credit Union, United Wholesale Mortgage, Guild Mortgage Company. In total, 215 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.