Sabine County
Texas · FIPS 48403
According to CFPB HMDA 2024 application volume among U.S. counties, Sabine County ranks #2,080 of 3,210, and #138 of 253 in Texas.
Mortgage lending activity in Sabine 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Sabine County
In Sabine County, lead originator 21st Mortgage funded 17.2% of 157 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 31.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Sabine County's 463 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sabine County's $142,235 average loan (deduped against volume peers).
Lenders active in Sabine County
21st Mortgage funded 27 of the 157 loans originated in Sabine County, 17.2% of the county. 58 lenders reported activity here.
| # | 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% |
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 Sabine 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 Sabine 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.