Kinney County
Texas · FIPS 48271
According to CFPB HMDA 2024 application volume among U.S. counties, Kinney County ranks #2,884 of 3,210, and #205 of 253 in Texas.
Mortgage lending activity in Kinney 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. Kinney County, Texas saw 91 HMDA-reported mortgage applications in 2024. Lenders originated 48 of those loans and denied 19, producing a denial rate of 20.9% and an approval (origination) rate of 52.7%. The average loan amount was $121,374 at an average note rate of 7.39%, with applicants self-reporting average annual income of $38K. 22 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 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 Kinney County
In Kinney County, lead originator The Bank & Trust, S.S.B. funded 20.8% of 48 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 50.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Kinney County's 91 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Kinney County's $121,374 average loan (deduped against volume peers).
Lenders active in Kinney County
The Bank & Trust, S.S.B. funded 10 of the 48 loans originated in Kinney County, 20.8% of the county. 22 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Bank & Trust, S.S.B. | 10 | 20.8% |
| 2 | 21st Mortgage | 8 | 16.7% |
| 3 | Mortgage Research Center | 6 | 12.5% |
| 4 | Rocket Mortgage | 4 | 8.3% |
| 5 | New American Funding, LLC. | 2 | 4.2% |
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 Kinney 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 Kinney 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.