Llano County
Texas · FIPS 48299
According to CFPB HMDA 2024 application volume among U.S. counties, Llano County ranks #1,485 of 3,210, and #94 of 253 in Texas.
Mortgage lending activity in Llano 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. Llano County, Texas saw 939 HMDA-reported mortgage applications in 2024. Lenders originated 477 of those loans and denied 147, producing a denial rate of 15.7% and an approval (origination) rate of 50.8%. The average loan amount was $430,282 at an average note rate of 7.13%, with applicants self-reporting average annual income of $37K. 170 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.6x, meaning typical borrowers took on mortgages of about 11.6 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 Llano County
In Llano County, lead originator Rocket Mortgage funded only 5.9% of 477 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Llano County's 939 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Llano County's $430,282 average loan (deduped against volume peers).
Lenders active in Llano County
Rocket Mortgage funded 28 of the 477 loans originated in Llano County, 5.9% of the county. 170 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 28 | 5.9% |
| 2 | United Wholesale Mortgage | 28 | 5.9% |
| 3 | First United Bank and Trust CO | 26 | 5.5% |
| 4 | Cmg Mortgage INC | 15 | 3.1% |
| 5 | Guild Mortgage Company | 15 | 3.1% |
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 Llano 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 Llano 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.