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2024 data HMDA 2024 disclosure official source

McMullen County

6 mortgage applications, 33.3% denial rate. Verify FIPS 48311 with U.S. Census Bureau →

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Texas · FIPS 48311

Local mortgage market. McMullen County, Texas saw 6 HMDA-reported mortgage applications in 2024. Lenders originated 3 of those loans and denied 2, producing a denial rate of 33.3% and an approval (origination) rate of 50.0%. The average loan amount was $93,333 at an average note rate of 11.95%, with applicants self-reporting average annual income of $30K. 3 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.1x, meaning typical borrowers took on mortgages of about 3.1 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 48311 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6
Applications
3
Originated
33.3%
Denial Rate
50.0%
Approval Rate
$93,333
Avg Loan Amount
11.95%
Avg Interest Rate
$30K
Avg Applicant Income
3.1x
Loan-to-Income Ratio

Nearby Lenders in McMullen 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 1 33.3%
2 First Commercial Bank, N.A. 1 33.3%
3 SouthTrust Bank, N.A. 1 33.3%
Compare 21st Mortgage vs First Commercial Bank, N.A. →

Frequently Asked Questions

How many mortgage applications were filed in McMullen County?
In the 2024 HMDA reporting year, 6 mortgage applications were filed in McMullen County, Texas. Of these, 3 were originated (approved and funded), while 2 were denied, resulting in a denial rate of 33.3%.
What is the mortgage denial rate in McMullen County?
The mortgage denial rate in McMullen County is 33.3%. The approval (origination) rate is 50.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in McMullen County?
The average mortgage loan amount in McMullen County is $93,333. The average interest rate is 11.950%. The average applicant income is $30K.
What is the loan-to-income ratio in McMullen County?
The average loan-to-income ratio in McMullen County is 3.1x, meaning borrowers took on loans averaging 3.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in McMullen County?
The top mortgage lenders in McMullen County by origination volume are 21st Mortgage, First Commercial Bank, N.A., SouthTrust Bank, N.A.. In total, 3 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.