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2024 data HMDA 2024 disclosure official source

Orange County

2,702 mortgage applications, 20.1% denial rate. Verify FIPS 48361 with U.S. Census Bureau →

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Texas · FIPS 48361

Local mortgage market. Orange County, Texas saw 2,702 HMDA-reported mortgage applications in 2024. Lenders originated 1,233 of those loans and denied 542, producing a denial rate of 20.1% and an approval (origination) rate of 45.6%. The average loan amount was $175,940 at an average note rate of 6.96%, with applicants self-reporting average annual income of $37K. 149 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 48361 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,702
Applications
1,233
Originated
20.1%
Denial Rate
45.6%
Approval Rate
$175,940
Avg Loan Amount
6.96%
Avg Interest Rate
$37K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Orange 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 United Wholesale Mortgage 75 6.1%
2 Neches Federal Credit Union 72 5.8%
3 21st Mortgage 69 5.6%
4 Sabine Federal Credit Union 64 5.2%
5 Guild Mortgage Company 51 4.1%
Compare United Wholesale Mortgage vs Neches Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Orange County?
In the 2024 HMDA reporting year, 2,702 mortgage applications were filed in Orange County, Texas. Of these, 1,233 were originated (approved and funded), while 542 were denied, resulting in a denial rate of 20.1%.
What is the mortgage denial rate in Orange County?
The mortgage denial rate in Orange County is 20.1%. The approval (origination) rate is 45.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Orange County?
The average mortgage loan amount in Orange County is $175,940. The average interest rate is 6.959%. The average applicant income is $37K.
What is the loan-to-income ratio in Orange County?
The average loan-to-income ratio in Orange County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Orange County?
The top mortgage lenders in Orange County by origination volume are United Wholesale Mortgage, Neches Federal Credit Union, 21st Mortgage. In total, 149 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.