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2024 data HMDA 2024 disclosure official source

Medina County

3,069 mortgage applications, 18.9% denial rate. Verify FIPS 48325 with U.S. Census Bureau →

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Texas · FIPS 48325

Local mortgage market. Medina County, Texas saw 3,069 HMDA-reported mortgage applications in 2024. Lenders originated 1,306 of those loans and denied 580, producing a denial rate of 18.9% and an approval (origination) rate of 42.6%. The average loan amount was $293,250 at an average note rate of 6.54%, with applicants self-reporting average annual income of $40K. 171 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.3x, meaning typical borrowers took on mortgages of about 7.3 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 48325 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,069
Applications
1,306
Originated
18.9%
Denial Rate
42.6%
Approval Rate
$293,250
Avg Loan Amount
6.54%
Avg Interest Rate
$40K
Avg Applicant Income
7.3x
Loan-to-Income Ratio

Nearby Lenders in Medina 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 DHI Mortgage Company, LTD. 145 11.1%
2 United Wholesale Mortgage 80 6.1%
3 21st Mortgage 79 6.0%
4 Rocket Mortgage 63 4.8%
5 Randolph-Brooks Federal Credit Union 54 4.1%
Compare DHI Mortgage Company, LTD. vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Medina County?
In the 2024 HMDA reporting year, 3,069 mortgage applications were filed in Medina County, Texas. Of these, 1,306 were originated (approved and funded), while 580 were denied, resulting in a denial rate of 18.9%.
What is the mortgage denial rate in Medina County?
The mortgage denial rate in Medina County is 18.9%. The approval (origination) rate is 42.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Medina County?
The average mortgage loan amount in Medina County is $293,250. The average interest rate is 6.537%. The average applicant income is $40K.
What is the loan-to-income ratio in Medina County?
The average loan-to-income ratio in Medina County is 7.3x, meaning borrowers took on loans averaging 7.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Medina County?
The top mortgage lenders in Medina County by origination volume are DHI Mortgage Company, LTD., United Wholesale Mortgage, 21st Mortgage. In total, 171 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.