Morris County
Texas · FIPS 48343
According to CFPB HMDA 2024 application volume among U.S. counties, Morris County ranks #2,137 of 3,223, and #143 of 253 in Texas.
Mortgage lending activity in Morris 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. Morris County, Texas lenders denied 74 of the applications reported here, financing the rest at an average note rate of 7.25%, with applicants self-reporting average annual income of $38K. 69 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 Morris County
In Morris County, lead originator The First National Bank of Hughes Springs funded only 6.8% of 191 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Morris County's 423 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Morris County's $160,721 average loan (deduped against volume peers).
Lenders active in Morris County
The First National Bank of Hughes Springs funded 13 of the 191 loans originated in Morris County, 6.8% of the county. 69 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The First National Bank of Hughes Springs | 13 | 6.8% |
| 2 | East Texas Professional C.U. | 12 | 6.3% |
| 3 | 21st Mortgage | 10 | 5.2% |
| 4 | Rocket Mortgage | 9 | 4.7% |
| 5 | T2 Financial LLC | 9 | 4.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Morris 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 Morris 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.