Nacogdoches County
Texas · FIPS 48347
According to CFPB HMDA 2024 application volume among U.S. counties, Nacogdoches County ranks #1,085 of 3,223, and #73 of 253 in Texas.
Mortgage lending activity in Nacogdoches 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. Nacogdoches County, Texas lenders denied 374 of the applications reported here, financing the rest at an average note rate of 7.39%, with applicants self-reporting average annual income of $37K. 107 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Nacogdoches County
In Nacogdoches County, lead originator Commercial Bnak of Texas, NA funded 16.7% of 676 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 33.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Nacogdoches County's 1,581 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Nacogdoches County's $192,312 average loan (deduped against volume peers).
Lenders active in Nacogdoches County
Commercial Bnak of Texas, NA funded 113 of the 676 loans originated in Nacogdoches County, 16.7% of the county. 107 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Commercial Bnak of Texas, NA | 113 | 16.7% |
| 2 | Cadence Bank | 64 | 9.5% |
| 3 | Austin Bank, Texas National Association | 47 | 7.0% |
| 4 | Rocket Mortgage | 46 | 6.8% |
| 5 | 21st Mortgage | 41 | 6.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Nacogdoches 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 Nacogdoches 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.