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2024 data HMDA 2024 disclosure official source

Travis County

39,931 mortgage applications, 14.0% denial rate. Verify FIPS 48453 with U.S. Census Bureau →

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Texas · FIPS 48453

Local mortgage market. Travis County, Texas saw 39,931 HMDA-reported mortgage applications in 2024. Lenders originated 19,627 of those loans and denied 5,598, producing a denial rate of 14.0% and an approval (origination) rate of 49.2%. The average loan amount was $507,433 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.

FIPS 48453 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

39,931
Applications
19,627
Originated
14.0%
Denial Rate
49.2%
Approval Rate
$507,433
Avg Loan Amount
6.73%
Avg Interest Rate
$37K
Avg Applicant Income
13.7x
Loan-to-Income Ratio

Nearby Lenders in Travis 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 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%
Compare United Wholesale Mortgage vs Cmg Mortgage INC →

Frequently Asked Questions

How many mortgage applications were filed in Travis County?
In the 2024 HMDA reporting year, 39,931 mortgage applications were filed in Travis County, Texas. Of these, 19,627 were originated (approved and funded), while 5,598 were denied, resulting in a denial rate of 14.0%.
What is the mortgage denial rate in Travis County?
The mortgage denial rate in Travis County is 14.0%. The approval (origination) rate is 49.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Travis County?
The average mortgage loan amount in Travis County is $507,433. The average interest rate is 6.733%. The average applicant income is $37K.
What is the loan-to-income ratio in Travis County?
The average loan-to-income ratio in Travis County is 13.7x, meaning borrowers took on loans averaging 13.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Travis County?
The top mortgage lenders in Travis County by origination volume are United Wholesale Mortgage, Cmg Mortgage INC, Rocket Mortgage. In total, 600 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.