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2024 data HMDA 2024 disclosure official source

Lavaca County

503 mortgage applications, 23.9% denial rate. Verify FIPS 48285 with U.S. Census Bureau →

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Texas · FIPS 48285

Local mortgage market. Lavaca County, Texas saw 503 HMDA-reported mortgage applications in 2024. Lenders originated 223 of those loans and denied 120, producing a denial rate of 23.9% and an approval (origination) rate of 44.3%. The average loan amount was $184,443 at an average note rate of 7.55%, with applicants self-reporting average annual income of $38K. 70 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 48285 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

503
Applications
223
Originated
23.9%
Denial Rate
44.3%
Approval Rate
$184,443
Avg Loan Amount
7.55%
Avg Interest Rate
$38K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Lavaca 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 Crossroads Bank 52 23.3%
2 21st Mortgage 14 6.3%
3 TDECU 13 5.8%
4 United Wholesale Mortgage 12 5.4%
5 Rocket Mortgage 9 4.0%
Compare Crossroads Bank vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Lavaca County?
In the 2024 HMDA reporting year, 503 mortgage applications were filed in Lavaca County, Texas. Of these, 223 were originated (approved and funded), while 120 were denied, resulting in a denial rate of 23.9%.
What is the mortgage denial rate in Lavaca County?
The mortgage denial rate in Lavaca County is 23.9%. The approval (origination) rate is 44.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lavaca County?
The average mortgage loan amount in Lavaca County is $184,443. The average interest rate is 7.554%. The average applicant income is $38K.
What is the loan-to-income ratio in Lavaca County?
The average loan-to-income ratio in Lavaca County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lavaca County?
The top mortgage lenders in Lavaca County by origination volume are Crossroads Bank, 21st Mortgage, TDECU. In total, 70 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.