McLennan County
Texas · FIPS 48309
According to CFPB HMDA 2024 application volume among U.S. counties, McLennan County ranks #360 of 3,223, and #29 of 253 in Texas.
Mortgage lending activity in McLennan 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. McLennan County, Texas lenders denied 1,309 of the applications reported here, financing the rest at an average note rate of 6.83%, with applicants self-reporting average annual income of $39K. 315 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 McLennan County
In McLennan County, lead originator SWBC Mortgage Corporation funded only 6.7% of 3,987 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to McLennan County's 7,979 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to McLennan County's $255,865 average loan (deduped against volume peers).
Lenders active in McLennan County
SWBC Mortgage Corporation funded 266 of the 3,987 loans originated in McLennan County, 6.7% of the county. 315 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | SWBC Mortgage Corporation | 266 | 6.7% |
| 2 | United Wholesale Mortgage | 227 | 5.7% |
| 3 | Rocket Mortgage | 207 | 5.2% |
| 4 | Fairway Independent Mort CORP | 199 | 5.0% |
| 5 | DHI Mortgage Company, LTD. | 171 | 4.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For McLennan County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for McLennan County borrowers. 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.