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2024 data HMDA 2024 disclosure official source

Runnels County

206 mortgage applications, 19.4% denial rate. Verify FIPS 48399 with U.S. Census Bureau →

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Texas · FIPS 48399

Local mortgage market. Runnels County, Texas saw 206 HMDA-reported mortgage applications in 2024. Lenders originated 82 of those loans and denied 40, producing a denial rate of 19.4% and an approval (origination) rate of 39.8%. The average loan amount was $165,243 at an average note rate of 7.30%, with applicants self-reporting average annual income of $36K. 41 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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.

FIPS 48399 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

206
Applications
82
Originated
19.4%
Denial Rate
39.8%
Approval Rate
$165,243
Avg Loan Amount
7.30%
Avg Interest Rate
$36K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Runnels 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 Citizens State Bank 11 13.4%
2 Mortgage Financial Services 8 9.8%
3 Triad Financial Services, INC. 5 6.1%
4 First Financial Bank 5 6.1%
5 Guild Mortgage Company 4 4.9%
Compare Citizens State Bank vs Mortgage Financial Services →

Frequently Asked Questions

How many mortgage applications were filed in Runnels County?
In the 2024 HMDA reporting year, 206 mortgage applications were filed in Runnels County, Texas. Of these, 82 were originated (approved and funded), while 40 were denied, resulting in a denial rate of 19.4%.
What is the mortgage denial rate in Runnels County?
The mortgage denial rate in Runnels County is 19.4%. The approval (origination) rate is 39.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Runnels County?
The average mortgage loan amount in Runnels County is $165,243. The average interest rate is 7.302%. The average applicant income is $36K.
What is the loan-to-income ratio in Runnels County?
The average loan-to-income ratio in Runnels County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Runnels County?
The top mortgage lenders in Runnels County by origination volume are Citizens State Bank, Mortgage Financial Services, Triad Financial Services, INC.. In total, 41 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.