Travis County
Texas · FIPS 48453
According to CFPB HMDA 2024 application volume among U.S. counties, Travis County ranks #43 of 3,223, and #8 of 253 in Texas.
Mortgage lending activity in Travis 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. Travis County, Texas lenders denied 5,598 of the applications reported here, financing the rest at an average note rate of 6.73%, with applicants self-reporting average annual income of $37K. 600 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 13.7x, meaning typical borrowers took on mortgages of about 13.7 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 Travis County
In Travis County, lead originator United Wholesale Mortgage funded only 7.2% of 19,627 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 15.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Travis County's 39,931 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Travis County's $507,433 average loan (deduped against volume peers).
Lenders active in Travis County
United Wholesale Mortgage funded 1,422 of the 19,627 loans originated in Travis County, 7.2% of the county. 600 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 1,422 | 7.2% |
| 2 | Cmg Mortgage INC | 790 | 4.0% |
| 3 | Rocket Mortgage | 766 | 3.9% |
| 4 | Randolph-Brooks Federal Credit Union | 614 | 3.1% |
| 5 | Universtiy Federal Credit Union | 613 | 3.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Travis County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Travis County borrowers. 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.