Refugio County
Texas · FIPS 48391
According to CFPB HMDA 2024 application volume among U.S. counties, Refugio County ranks #2,604 of 3,210, and #175 of 253 in Texas.
Mortgage lending activity in Refugio 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. Refugio County, Texas saw 195 HMDA-reported mortgage applications in 2024. Lenders originated 57 of those loans and denied 69, producing a denial rate of 35.4% and an approval (origination) rate of 29.2%. The average loan amount was $179,051 at an average note rate of 7.30%, with applicants self-reporting average annual income of $40K. 26 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 Refugio County
In Refugio County, lead originator TDECU funded 14.0% of 57 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 35.1% 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 Refugio County's 195 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Refugio County's $179,051 average loan (deduped against volume peers).
Lenders active in Refugio County
TDECU funded 8 of the 57 loans originated in Refugio County, 14.0% of the county. 26 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | TDECU | 8 | 14.0% |
| 2 | 21st Mortgage | 6 | 10.5% |
| 3 | Rocket Mortgage | 6 | 10.5% |
| 4 | Guild Mortgage Company | 5 | 8.8% |
| 5 | United Wholesale Mortgage | 4 | 7.0% |
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 Refugio 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 Refugio 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.