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2024 data HMDA 2024 disclosure official source

Liberty County

6,403 mortgage applications, 35.5% denial rate. Verify FIPS 48291 with U.S. Census Bureau →

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Texas · FIPS 48291

Local mortgage market. Liberty County, Texas saw 6,403 HMDA-reported mortgage applications in 2024. Lenders originated 1,928 of those loans and denied 2,276, producing a denial rate of 35.5% and an approval (origination) rate of 30.1%. The average loan amount was $170,357 at an average note rate of 7.64%, with applicants self-reporting average annual income of $39K. 224 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 48291 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,403
Applications
1,928
Originated
35.5%
Denial Rate
30.1%
Approval Rate
$170,357
Avg Loan Amount
7.64%
Avg Interest Rate
$39K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Liberty 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 21st Mortgage 271 14.1%
2 Vanderbilt Mortgage and Finance, INC 161 8.4%
3 United Wholesale Mortgage 142 7.4%
4 Rocket Mortgage 80 4.1%
5 Loandepot.Com, LLC 72 3.7%
Compare 21st Mortgage vs Vanderbilt Mortgage and Finance, INC →

Frequently Asked Questions

How many mortgage applications were filed in Liberty County?
In the 2024 HMDA reporting year, 6,403 mortgage applications were filed in Liberty County, Texas. Of these, 1,928 were originated (approved and funded), while 2,276 were denied, resulting in a denial rate of 35.5%.
What is the mortgage denial rate in Liberty County?
The mortgage denial rate in Liberty County is 35.5%. The approval (origination) rate is 30.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Liberty County?
The average mortgage loan amount in Liberty County is $170,357. The average interest rate is 7.642%. The average applicant income is $39K.
What is the loan-to-income ratio in Liberty County?
The average loan-to-income ratio in Liberty County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Liberty County?
The top mortgage lenders in Liberty County by origination volume are 21st Mortgage, Vanderbilt Mortgage and Finance, INC, United Wholesale Mortgage. In total, 224 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.