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2024 data HMDA 2024 disclosure official source

Taylor County

5,452 mortgage applications, 12.4% denial rate. Verify FIPS 48441 with U.S. Census Bureau →

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Texas · FIPS 48441

Local mortgage market. Taylor County, Texas saw 5,452 HMDA-reported mortgage applications in 2024. Lenders originated 2,739 of those loans and denied 678, producing a denial rate of 12.4% and an approval (origination) rate of 50.2%. The average loan amount was $222,157 at an average note rate of 6.94%, with applicants self-reporting average annual income of $38K. 226 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.8x, meaning typical borrowers took on mortgages of about 5.8 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 48441 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,452
Applications
2,739
Originated
12.4%
Denial Rate
50.2%
Approval Rate
$222,157
Avg Loan Amount
6.94%
Avg Interest Rate
$38K
Avg Applicant Income
5.8x
Loan-to-Income Ratio

Nearby Lenders in Taylor 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 First Financial Bank 646 23.6%
2 PRIMELENDING 252 9.2%
3 Abilene Teachers FCU 120 4.4%
4 Mortgage Research Center 99 3.6%
5 United Wholesale Mortgage 99 3.6%
Compare First Financial Bank vs PRIMELENDING →

Frequently Asked Questions

How many mortgage applications were filed in Taylor County?
In the 2024 HMDA reporting year, 5,452 mortgage applications were filed in Taylor County, Texas. Of these, 2,739 were originated (approved and funded), while 678 were denied, resulting in a denial rate of 12.4%.
What is the mortgage denial rate in Taylor County?
The mortgage denial rate in Taylor County is 12.4%. The approval (origination) rate is 50.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Taylor County?
The average mortgage loan amount in Taylor County is $222,157. The average interest rate is 6.937%. The average applicant income is $38K.
What is the loan-to-income ratio in Taylor County?
The average loan-to-income ratio in Taylor County is 5.8x, meaning borrowers took on loans averaging 5.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Taylor County?
The top mortgage lenders in Taylor County by origination volume are First Financial Bank, PRIMELENDING, Abilene Teachers FCU. In total, 226 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.