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2024 data HMDA 2024 disclosure official source

Randall County

6,395 mortgage applications, 12.1% denial rate. Verify FIPS 48381 with U.S. Census Bureau →

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Texas · FIPS 48381

Local mortgage market. Randall County, Texas saw 6,395 HMDA-reported mortgage applications in 2024. Lenders originated 3,205 of those loans and denied 773, producing a denial rate of 12.1% and an approval (origination) rate of 50.1%. The average loan amount was $220,475 at an average note rate of 7.05%, with applicants self-reporting average annual income of $38K. 202 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 48381 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,395
Applications
3,205
Originated
12.1%
Denial Rate
50.1%
Approval Rate
$220,475
Avg Loan Amount
7.05%
Avg Interest Rate
$38K
Avg Applicant Income
5.8x
Loan-to-Income Ratio

Nearby Lenders in Randall 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 Amarillo National Bank 820 25.6%
2 Associated Mortgage Corporation 176 5.5%
3 Right Start Mortgage, Inc 144 4.5%
4 Alliance Credit Union 138 4.3%
5 Education Credit Union 130 4.1%
Compare Amarillo National Bank vs Associated Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Randall County?
In the 2024 HMDA reporting year, 6,395 mortgage applications were filed in Randall County, Texas. Of these, 3,205 were originated (approved and funded), while 773 were denied, resulting in a denial rate of 12.1%.
What is the mortgage denial rate in Randall County?
The mortgage denial rate in Randall County is 12.1%. The approval (origination) rate is 50.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Randall County?
The average mortgage loan amount in Randall County is $220,475. The average interest rate is 7.053%. The average applicant income is $38K.
What is the loan-to-income ratio in Randall County?
The average loan-to-income ratio in Randall County is 5.8x, meaning borrowers took on loans averaging 5.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Randall County?
The top mortgage lenders in Randall County by origination volume are Amarillo National Bank, Associated Mortgage Corporation, Right Start Mortgage, Inc. In total, 202 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.