Kaufman County
Texas · FIPS 48257
According to CFPB HMDA 2024 application volume among U.S. counties, Kaufman County ranks #219 of 3,210, and #17 of 253 in Texas.
Mortgage lending activity in Kaufman 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Kaufman County
In Kaufman County, lead originator Lennar Mortgage, LLC funded 13.8% of 6,059 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 29.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Kaufman County's 13,159 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Kaufman County's $278,052 average loan (deduped against volume peers).
Lenders active in Kaufman County
Lennar Mortgage, LLC funded 839 of the 6,059 loans originated in Kaufman County, 13.8% of the county. 372 lenders reported activity here.
| # | 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% |
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 Kaufman 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 Kaufman 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.