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2024 data HMDA 2024 disclosure official source

Kaufman County

13,159 mortgage applications, 14.4% denial rate. Verify FIPS 48257 with U.S. Census Bureau →

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Texas · FIPS 48257

Local mortgage market. Kaufman County, Texas saw 13,159 HMDA-reported mortgage applications in 2024. Lenders originated 6,059 of those loans and denied 1,895, producing a denial rate of 14.4% and an approval (origination) rate of 46.0%. The average loan amount was $278,052 at an average note rate of 6.28%, with applicants self-reporting average annual income of $41K. 372 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 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 48257 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

13,159
Applications
6,059
Originated
14.4%
Denial Rate
46.0%
Approval Rate
$278,052
Avg Loan Amount
6.28%
Avg Interest Rate
$41K
Avg Applicant Income
6.8x
Loan-to-Income Ratio

Nearby Lenders in Kaufman 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 Lennar Mortgage, LLC 839 13.8%
2 DHI Mortgage Company, LTD. 603 10.0%
3 United Wholesale Mortgage 316 5.2%
4 Rocket Mortgage 223 3.7%
5 Velocio Mortgage, L.L.C. 147 2.4%
Compare Lennar Mortgage, LLC vs DHI Mortgage Company, LTD. →

Frequently Asked Questions

How many mortgage applications were filed in Kaufman County?
In the 2024 HMDA reporting year, 13,159 mortgage applications were filed in Kaufman County, Texas. Of these, 6,059 were originated (approved and funded), while 1,895 were denied, resulting in a denial rate of 14.4%.
What is the mortgage denial rate in Kaufman County?
The mortgage denial rate in Kaufman County is 14.4%. The approval (origination) rate is 46.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Kaufman County?
The average mortgage loan amount in Kaufman County is $278,052. The average interest rate is 6.279%. The average applicant income is $41K.
What is the loan-to-income ratio in Kaufman County?
The average loan-to-income ratio in Kaufman County is 6.8x, meaning borrowers took on loans averaging 6.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Kaufman County?
The top mortgage lenders in Kaufman County by origination volume are Lennar Mortgage, LLC, DHI Mortgage Company, LTD., United Wholesale Mortgage. In total, 372 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.