Palo Pinto County
Texas · FIPS 48363
According to CFPB HMDA 2024 application volume among U.S. counties, Palo Pinto County ranks #1,277 of 3,210, and #83 of 253 in Texas.
Mortgage lending activity in Palo Pinto 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. Palo Pinto County, Texas saw 1,187 HMDA-reported mortgage applications in 2024. Lenders originated 555 of those loans and denied 210, producing a denial rate of 17.7% and an approval (origination) rate of 46.8%. The average loan amount was $287,106 at an average note rate of 7.23%, with applicants self-reporting average annual income of $38K. 152 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.6x, meaning typical borrowers took on mortgages of about 7.6 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 Palo Pinto County
In Palo Pinto County, lead originator First Financial Bank funded 11.0% of 555 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 23.6% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Palo Pinto County's 1,187 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Palo Pinto County's $287,106 average loan (deduped against volume peers).
Lenders active in Palo Pinto County
First Financial Bank funded 61 of the 555 loans originated in Palo Pinto County, 11.0% of the county. 152 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | First Financial Bank | 61 | 11.0% |
| 2 | Rocket Mortgage | 40 | 7.2% |
| 3 | Clear Fork Bank N.A. | 30 | 5.4% |
| 4 | United Wholesale Mortgage | 25 | 4.5% |
| 5 | 21st Mortgage | 20 | 3.6% |
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 Palo Pinto 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 Palo Pinto 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.