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2024 data HMDA 2024 disclosure official source

Schleicher County

46 mortgage applications, 32.6% denial rate. Verify FIPS 48413 with U.S. Census Bureau →

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Texas · FIPS 48413

Local mortgage market. Schleicher County, Texas saw 46 HMDA-reported mortgage applications in 2024. Lenders originated 17 of those loans and denied 15, producing a denial rate of 32.6% and an approval (origination) rate of 37.0%. The average loan amount was $161,957 at an average note rate of 7.86%, with applicants self-reporting average annual income of $37K. 12 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.4x, meaning typical borrowers took on mortgages of about 4.4 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 48413 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

46
Applications
17
Originated
32.6%
Denial Rate
37.0%
Approval Rate
$161,957
Avg Loan Amount
7.86%
Avg Interest Rate
$37K
Avg Applicant Income
4.4x
Loan-to-Income Ratio

Nearby Lenders in Schleicher 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 Rocket Mortgage 3 17.6%
2 21st Mortgage 2 11.8%
3 Mortgage Financial Services 2 11.8%
4 1st Community Federal Credit Union 2 11.8%
5 Royal United Mortgage LLC 1 5.9%
Compare Rocket Mortgage vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Schleicher County?
In the 2024 HMDA reporting year, 46 mortgage applications were filed in Schleicher County, Texas. Of these, 17 were originated (approved and funded), while 15 were denied, resulting in a denial rate of 32.6%.
What is the mortgage denial rate in Schleicher County?
The mortgage denial rate in Schleicher County is 32.6%. The approval (origination) rate is 37.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Schleicher County?
The average mortgage loan amount in Schleicher County is $161,957. The average interest rate is 7.859%. The average applicant income is $37K.
What is the loan-to-income ratio in Schleicher County?
The average loan-to-income ratio in Schleicher County is 4.4x, meaning borrowers took on loans averaging 4.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Schleicher County?
The top mortgage lenders in Schleicher County by origination volume are Rocket Mortgage, 21st Mortgage, Mortgage Financial Services. In total, 12 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.