Tom Green County
Texas · FIPS 48451
According to CFPB HMDA 2024 application volume among U.S. counties, Tom Green County ranks #638 of 3,210, and #44 of 253 in Texas.
Mortgage lending activity in Tom Green 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. Tom Green County, Texas saw 3,613 HMDA-reported mortgage applications in 2024. Lenders originated 1,819 of those loans and denied 429, producing a denial rate of 11.9% and an approval (origination) rate of 50.3%. The average loan amount was $230,018 at an average note rate of 6.91%, with applicants self-reporting average annual income of $39K. 181 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Tom Green County
In Tom Green County, lead originator Mortgage Financial Services funded 12.1% of 1,819 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 33.3% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Tom Green County's 3,613 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Tom Green County's $230,018 average loan (deduped against volume peers).
Lenders active in Tom Green County
Mortgage Financial Services funded 221 of the 1,819 loans originated in Tom Green County, 12.1% of the county. 181 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Mortgage Financial Services | 221 | 12.1% |
| 2 | American Pacific Mortgage Corporation | 213 | 11.7% |
| 3 | First Financial Bank | 172 | 9.5% |
| 4 | Rocket Mortgage | 109 | 6.0% |
| 5 | T2 Financial LLC | 83 | 4.6% |
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 Tom Green 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 Tom Green 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.