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2024 data HMDA 2024 disclosure official source

Nolan County

308 mortgage applications, 24.7% denial rate. Verify FIPS 48353 with U.S. Census Bureau →

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Texas · FIPS 48353

Local mortgage market. Nolan County, Texas saw 308 HMDA-reported mortgage applications in 2024. Lenders originated 130 of those loans and denied 76, producing a denial rate of 24.7% and an approval (origination) rate of 42.2%. The average loan amount was $131,623 at an average note rate of 7.35%, with applicants self-reporting average annual income of $35K. 43 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 48353 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

308
Applications
130
Originated
24.7%
Denial Rate
42.2%
Approval Rate
$131,623
Avg Loan Amount
7.35%
Avg Interest Rate
$35K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in Nolan 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 First Financial Bank 35 26.9%
2 Guaranteed Rate, INC. 12 9.2%
3 United Wholesale Mortgage 8 6.2%
4 Rocket Mortgage 7 5.4%
5 21st Mortgage 6 4.6%
Compare First Financial Bank vs Guaranteed Rate, INC. →

Frequently Asked Questions

How many mortgage applications were filed in Nolan County?
In the 2024 HMDA reporting year, 308 mortgage applications were filed in Nolan County, Texas. Of these, 130 were originated (approved and funded), while 76 were denied, resulting in a denial rate of 24.7%.
What is the mortgage denial rate in Nolan County?
The mortgage denial rate in Nolan County is 24.7%. The approval (origination) rate is 42.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Nolan County?
The average mortgage loan amount in Nolan County is $131,623. The average interest rate is 7.349%. The average applicant income is $35K.
What is the loan-to-income ratio in Nolan County?
The average loan-to-income ratio in Nolan County is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Nolan County?
The top mortgage lenders in Nolan County by origination volume are First Financial Bank, Guaranteed Rate, INC., United Wholesale Mortgage. In total, 43 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.