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2024 data HMDA 2024 disclosure official source

Midland County

8,738 mortgage applications, 15.9% denial rate. Verify FIPS 48329 with U.S. Census Bureau →

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Texas · FIPS 48329

Local mortgage market. Midland County, Texas saw 8,738 HMDA-reported mortgage applications in 2024. Lenders originated 3,864 of those loans and denied 1,389, producing a denial rate of 15.9% and an approval (origination) rate of 44.2%. The average loan amount was $288,997 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.

FIPS 48329 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,738
Applications
3,864
Originated
15.9%
Denial Rate
44.2%
Approval Rate
$288,997
Avg Loan Amount
6.85%
Avg Interest Rate
$38K
Avg Applicant Income
7.6x
Loan-to-Income Ratio

Nearby Lenders in Midland 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 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%
Compare PRIMELENDING vs Highlands Residential Mortgage, Ltd. →

Frequently Asked Questions

How many mortgage applications were filed in Midland County?
In the 2024 HMDA reporting year, 8,738 mortgage applications were filed in Midland County, Texas. Of these, 3,864 were originated (approved and funded), while 1,389 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Midland County?
The mortgage denial rate in Midland County is 15.9%. The approval (origination) rate is 44.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Midland County?
The average mortgage loan amount in Midland County is $288,997. The average interest rate is 6.847%. The average applicant income is $38K.
What is the loan-to-income ratio in Midland County?
The average loan-to-income ratio in Midland County is 7.6x, meaning borrowers took on loans averaging 7.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Midland County?
The top mortgage lenders in Midland County by origination volume are PRIMELENDING, Highlands Residential Mortgage, Ltd., DHI Mortgage Company, LTD.. In total, 284 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.