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2024 data HMDA 2024 disclosure official source

Marion County

352 mortgage applications, 31.5% denial rate. Verify FIPS 48315 with U.S. Census Bureau →

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Texas · FIPS 48315

Local mortgage market. Marion County, Texas saw 352 HMDA-reported mortgage applications in 2024. Lenders originated 121 of those loans and denied 111, producing a denial rate of 31.5% and an approval (origination) rate of 34.4%. The average loan amount was $159,403 at an average note rate of 7.65%, with applicants self-reporting average annual income of $37K. 55 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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 48315 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

352
Applications
121
Originated
31.5%
Denial Rate
34.4%
Approval Rate
$159,403
Avg Loan Amount
7.65%
Avg Interest Rate
$37K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Marion 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 Vanderbilt Mortgage and Finance, INC 11 9.1%
2 21st Mortgage 7 5.8%
3 Eastman Credit Union 7 5.8%
4 VERABANK,N.A. 6 5.0%
5 United Wholesale Mortgage 6 5.0%
Compare Vanderbilt Mortgage and Finance, INC vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Marion County?
In the 2024 HMDA reporting year, 352 mortgage applications were filed in Marion County, Texas. Of these, 121 were originated (approved and funded), while 111 were denied, resulting in a denial rate of 31.5%.
What is the mortgage denial rate in Marion County?
The mortgage denial rate in Marion County is 31.5%. The approval (origination) rate is 34.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Marion County?
The average mortgage loan amount in Marion County is $159,403. The average interest rate is 7.647%. The average applicant income is $37K.
What is the loan-to-income ratio in Marion County?
The average loan-to-income ratio in Marion County is 4.3x, meaning borrowers took on loans averaging 4.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Marion County?
The top mortgage lenders in Marion County by origination volume are Vanderbilt Mortgage and Finance, INC, 21st Mortgage, Eastman Credit Union. In total, 55 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.