Midland County
Texas · FIPS 48329
According to CFPB HMDA 2024 application volume among U.S. counties, Midland County ranks #328 of 3,223, and #26 of 253 in Texas.
Mortgage lending activity in Midland 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. Midland County, Texas lenders denied 1,389 of the applications reported here, financing the rest at an average note rate of 6.85%, with applicants self-reporting average annual income of $38K. 284 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.6x, meaning typical borrowers took on mortgages of about 7.6 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 Midland County
In Midland County, lead originator PRIMELENDING funded only 10.5% of 3,864 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Midland County's 8,738 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Midland County's $288,997 average loan (deduped against volume peers).
Lenders active in Midland County
PRIMELENDING funded 407 of the 3,864 loans originated in Midland County, 10.5% of the county. 284 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | PRIMELENDING | 407 | 10.5% |
| 2 | Highlands Residential Mortgage, Ltd. | 267 | 6.9% |
| 3 | DHI Mortgage Company, LTD. | 204 | 5.3% |
| 4 | 21st Mortgage | 196 | 5.1% |
| 5 | Rocket Mortgage | 173 | 4.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Midland 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 Midland 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.