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2024 data HMDA 2024 disclosure official source

Navarro County

1,991 mortgage applications, 24.2% denial rate. Verify FIPS 48349 with U.S. Census Bureau →

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Texas · FIPS 48349

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.

FIPS 48349 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,991
Applications
821
Originated
24.2%
Denial Rate
41.2%
Approval Rate
$399,405
Avg Loan Amount
7.42%
Avg Interest Rate
$39K
Avg Applicant Income
10.2x
Loan-to-Income Ratio

Nearby Lenders in Navarro 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 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%
Compare 21st Mortgage vs Community National Bank & Trust of Texas →

Frequently Asked Questions

How many mortgage applications were filed in Navarro County?
In the 2024 HMDA reporting year, 1,991 mortgage applications were filed in Navarro County, Texas. Of these, 821 were originated (approved and funded), while 481 were denied, resulting in a denial rate of 24.2%.
What is the mortgage denial rate in Navarro County?
The mortgage denial rate in Navarro County is 24.2%. The approval (origination) rate is 41.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Navarro County?
The average mortgage loan amount in Navarro County is $399,405. The average interest rate is 7.417%. The average applicant income is $39K.
What is the loan-to-income ratio in Navarro County?
The average loan-to-income ratio in Navarro County is 10.2x, meaning borrowers took on loans averaging 10.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Navarro County?
The top mortgage lenders in Navarro County by origination volume are 21st Mortgage, Community National Bank & Trust of Texas, United Wholesale Mortgage. In total, 170 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.