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2024 data HMDA 2024 disclosure official source

San Jacinto County

1,322 mortgage applications, 29.9% denial rate. Verify FIPS 48407 with U.S. Census Bureau →

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Texas · FIPS 48407

Local mortgage market. San Jacinto County, Texas saw 1,322 HMDA-reported mortgage applications in 2024. Lenders originated 440 of those loans and denied 396, producing a denial rate of 29.9% and an approval (origination) rate of 33.3%. The average loan amount was $183,139 at an average note rate of 7.54%, with applicants self-reporting average annual income of $37K. 136 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 48407 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,322
Applications
440
Originated
29.9%
Denial Rate
33.3%
Approval Rate
$183,139
Avg Loan Amount
7.54%
Avg Interest Rate
$37K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in San Jacinto 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 46 10.5%
2 United Wholesale Mortgage 37 8.4%
3 Rocket Mortgage 36 8.2%
4 Vanderbilt Mortgage and Finance, INC 23 5.2%
5 Mortgage Research Center 10 2.3%
Compare 21st Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in San Jacinto County?
In the 2024 HMDA reporting year, 1,322 mortgage applications were filed in San Jacinto County, Texas. Of these, 440 were originated (approved and funded), while 396 were denied, resulting in a denial rate of 29.9%.
What is the mortgage denial rate in San Jacinto County?
The mortgage denial rate in San Jacinto County is 29.9%. The approval (origination) rate is 33.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in San Jacinto County?
The average mortgage loan amount in San Jacinto County is $183,139. The average interest rate is 7.545%. The average applicant income is $37K.
What is the loan-to-income ratio in San Jacinto County?
The average loan-to-income ratio in San Jacinto County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in San Jacinto County?
The top mortgage lenders in San Jacinto County by origination volume are 21st Mortgage, United Wholesale Mortgage, Rocket Mortgage. In total, 136 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.