Navarro County
Texas · FIPS 48349
According to CFPB HMDA 2024 application volume among U.S. counties, Navarro County ranks #931 of 3,210, and #64 of 253 in Texas.
Mortgage lending activity in Navarro 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. Navarro County, Texas saw 1,991 HMDA-reported mortgage applications in 2024. Lenders originated 821 of those loans and denied 481, producing a denial rate of 24.2% and an approval (origination) rate of 41.2%. The average loan amount was $399,405 at an average note rate of 7.42%, with applicants self-reporting average annual income of $39K. 170 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.2x, meaning typical borrowers took on mortgages of about 10.2 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 Navarro County
In Navarro County, lead originator 21st Mortgage funded only 6.1% of 821 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Navarro County's 1,991 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Navarro County's $399,405 average loan (deduped against volume peers).
Lenders active in Navarro County
21st Mortgage funded 50 of the 821 loans originated in Navarro County, 6.1% of the county. 170 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | 21st Mortgage | 50 | 6.1% |
| 2 | Community National Bank & Trust of Texas | 49 | 6.0% |
| 3 | United Wholesale Mortgage | 47 | 5.7% |
| 4 | Rocket Mortgage | 45 | 5.5% |
| 5 | Vanderbilt Mortgage and Finance, INC | 41 | 5.0% |
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; does not constitute financial advice for Navarro County borrowers.
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 Navarro County 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. 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.