Oldham County
Texas · FIPS 48359
According to CFPB HMDA 2024 application volume among U.S. counties, Oldham County ranks #3,054 of 3,223, and #226 of 253 in Texas.
Mortgage lending activity in Oldham 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. Oldham County, Texas lenders denied 8 of the applications reported here, financing the rest at an average note rate of 7.17%, with applicants self-reporting average annual income of $38K. 10 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 Oldham County
In Oldham County, lead originator Amarillo National Bank funded 23.8% of 21 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 52.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Oldham County's 47 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Oldham County's $150,957 average loan (deduped against volume peers).
Lenders active in Oldham County
Amarillo National Bank funded 5 of the 21 loans originated in Oldham County, 23.8% of the county. 10 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Amarillo National Bank | 5 | 23.8% |
| 2 | Education Credit Union | 3 | 14.3% |
| 3 | Right Start Mortgage, Inc | 3 | 14.3% |
| 4 | Centennial Bank | 2 | 9.5% |
| 5 | Rocket Mortgage | 2 | 9.5% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Oldham 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 Oldham 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.