PlainLender
2024 data HMDA 2024 disclosure official source

Tom Green County

3,613 mortgage applications, 11.9% denial rate. Verify FIPS 48451 with U.S. Census Bureau →

PlainLender home → About this data

Texas · FIPS 48451

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.

FIPS 48451 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,613
Applications
1,819
Originated
11.9%
Denial Rate
50.3%
Approval Rate
$230,018
Avg Loan Amount
6.91%
Avg Interest Rate
$39K
Avg Applicant Income
5.9x
Loan-to-Income Ratio

Nearby Lenders in Tom Green 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 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%
Compare Mortgage Financial Services vs American Pacific Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Tom Green County?
In the 2024 HMDA reporting year, 3,613 mortgage applications were filed in Tom Green County, Texas. Of these, 1,819 were originated (approved and funded), while 429 were denied, resulting in a denial rate of 11.9%.
What is the mortgage denial rate in Tom Green County?
The mortgage denial rate in Tom Green County is 11.9%. The approval (origination) rate is 50.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Tom Green County?
The average mortgage loan amount in Tom Green County is $230,018. The average interest rate is 6.906%. The average applicant income is $39K.
What is the loan-to-income ratio in Tom Green County?
The average loan-to-income ratio in Tom Green County is 5.9x, meaning borrowers took on loans averaging 5.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Tom Green County?
The top mortgage lenders in Tom Green County by origination volume are Mortgage Financial Services, American Pacific Mortgage Corporation, First Financial Bank. In total, 181 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.