PlainLender
2024 data HMDA 2024 disclosure official source

Sabine County

463 mortgage applications, 28.9% denial rate. Verify FIPS 48403 with U.S. Census Bureau →

PlainLender home → About this data

Texas · FIPS 48403

Local mortgage market. Sabine County, Texas saw 463 HMDA-reported mortgage applications in 2024. Lenders originated 157 of those loans and denied 134, producing a denial rate of 28.9% and an approval (origination) rate of 33.9%. The average loan amount was $142,235 at an average note rate of 7.76%, with applicants self-reporting average annual income of $38K. 58 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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 48403 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

463
Applications
157
Originated
28.9%
Denial Rate
33.9%
Approval Rate
$142,235
Avg Loan Amount
7.76%
Avg Interest Rate
$38K
Avg Applicant Income
3.7x
Loan-to-Income Ratio

Nearby Lenders in Sabine 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 27 17.2%
2 Sabine State Bank and Trust Company 12 7.6%
3 Shelby 11 7.0%
4 United Wholesale Mortgage 10 6.4%
5 Rocket Mortgage 8 5.1%
Compare 21st Mortgage vs Sabine State Bank and Trust Company →

Frequently Asked Questions

How many mortgage applications were filed in Sabine County?
In the 2024 HMDA reporting year, 463 mortgage applications were filed in Sabine County, Texas. Of these, 157 were originated (approved and funded), while 134 were denied, resulting in a denial rate of 28.9%.
What is the mortgage denial rate in Sabine County?
The mortgage denial rate in Sabine County is 28.9%. The approval (origination) rate is 33.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Sabine County?
The average mortgage loan amount in Sabine County is $142,235. The average interest rate is 7.756%. The average applicant income is $38K.
What is the loan-to-income ratio in Sabine County?
The average loan-to-income ratio in Sabine County is 3.7x, meaning borrowers took on loans averaging 3.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Sabine County?
The top mortgage lenders in Sabine County by origination volume are 21st Mortgage, Sabine State Bank and Trust Company, Shelby. In total, 58 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.