Rains County
Texas · FIPS 48379
According to CFPB HMDA 2024 application volume among U.S. counties, Rains County ranks #2,034 of 3,210, and #133 of 253 in Texas.
Mortgage lending activity in Rains 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. Rains County, Texas saw 496 HMDA-reported mortgage applications in 2024. Lenders originated 207 of those loans and denied 118, producing a denial rate of 23.8% and an approval (origination) rate of 41.7%. The average loan amount was $233,810 at an average note rate of 7.36%, with applicants self-reporting average annual income of $39K. 85 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.0x, meaning typical borrowers took on mortgages of about 6.0 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 Rains County
In Rains County, lead originator Commercial Bnak of Texas, NA funded only 6.8% of 207 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Rains County's 496 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Rains County's $233,810 average loan (deduped against volume peers).
Lenders active in Rains County
Commercial Bnak of Texas, NA funded 14 of the 207 loans originated in Rains County, 6.8% of the county. 85 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Commercial Bnak of Texas, NA | 14 | 6.8% |
| 2 | 21st Mortgage | 13 | 6.3% |
| 3 | Rocket Mortgage | 12 | 5.8% |
| 4 | Ark-La-Tex Financial Services LLC | 11 | 5.3% |
| 5 | American National Bank of Texa | 10 | 4.8% |
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 Rains 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 Rains 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.