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2024 data HMDA 2024 disclosure official source

Reeves County

352 mortgage applications, 27.3% denial rate. Verify FIPS 48389 with U.S. Census Bureau →

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Texas · FIPS 48389

Local mortgage market. Reeves County, Texas saw 352 HMDA-reported mortgage applications in 2024. Lenders originated 124 of those loans and denied 96, producing a denial rate of 27.3% and an approval (origination) rate of 35.2%. The average loan amount was $183,466 at an average note rate of 7.38%, with applicants self-reporting average annual income of $38K. 45 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 48389 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

352
Applications
124
Originated
27.3%
Denial Rate
35.2%
Approval Rate
$183,466
Avg Loan Amount
7.38%
Avg Interest Rate
$38K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Reeves 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 21st Mortgage 15 12.1%
2 Waterstone Mortgage Corporation 15 12.1%
3 Rocket Mortgage 13 10.5%
4 United Wholesale Mortgage 13 10.5%
5 JPMorgan Chase Bank, NA 7 5.6%
Compare 21st Mortgage vs Waterstone Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Reeves County?
In the 2024 HMDA reporting year, 352 mortgage applications were filed in Reeves County, Texas. Of these, 124 were originated (approved and funded), while 96 were denied, resulting in a denial rate of 27.3%.
What is the mortgage denial rate in Reeves County?
The mortgage denial rate in Reeves County is 27.3%. The approval (origination) rate is 35.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Reeves County?
The average mortgage loan amount in Reeves County is $183,466. The average interest rate is 7.376%. The average applicant income is $38K.
What is the loan-to-income ratio in Reeves County?
The average loan-to-income ratio in Reeves 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 Reeves County?
The top mortgage lenders in Reeves County by origination volume are 21st Mortgage, Waterstone Mortgage Corporation, Rocket Mortgage. In total, 45 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.