Madison County
Texas · FIPS 48313
According to CFPB HMDA 2024 application volume among U.S. counties, Madison County ranks #2,265 of 3,223, and #151 of 253 in Texas.
Mortgage lending activity in Madison 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. Madison County, Texas lenders denied 116 of the applications reported here, financing the rest at an average note rate of 7.30%, with applicants self-reporting average annual income of $37K. 60 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.5x, meaning typical borrowers took on mortgages of about 5.5 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 Madison County
In Madison County, lead originator First National Bank of Huntsville funded only 9.2% of 130 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Madison County's 353 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Madison County's $204,745 average loan (deduped against volume peers).
Lenders active in Madison County
First National Bank of Huntsville funded 12 of the 130 loans originated in Madison County, 9.2% of the county. 60 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First National Bank of Huntsville | 12 | 9.2% |
| 2 | Prosperity Bank | 8 | 6.2% |
| 3 | Rocket Mortgage | 7 | 5.4% |
| 4 | Vanderbilt Mortgage and Finance, INC | 7 | 5.4% |
| 5 | 21st Mortgage | 5 | 3.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Madison 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 Madison 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.