Upshur County
Texas · FIPS 48459
According to CFPB HMDA 2024 application volume among U.S. counties, Upshur County ranks #1,058 of 3,210, and #72 of 253 in Texas.
Mortgage lending activity in Upshur 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. Upshur County, Texas saw 1,618 HMDA-reported mortgage applications in 2024. Lenders originated 750 of those loans and denied 361, producing a denial rate of 22.3% and an approval (origination) rate of 46.4%. The average loan amount was $197,429 at an average note rate of 7.35%, with applicants self-reporting average annual income of $38K. 142 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Upshur County
In Upshur County, lead originator Rocket Mortgage funded only 5.9% of 750 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 16.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Upshur County's 1,618 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Upshur County's $197,429 average loan (deduped against volume peers).
Lenders active in Upshur County
Rocket Mortgage funded 44 of the 750 loans originated in Upshur County, 5.9% of the county. 142 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 44 | 5.9% |
| 2 | Gilmer National Bank | 42 | 5.6% |
| 3 | Eastman Credit Union | 41 | 5.5% |
| 4 | United Wholesale Mortgage | 37 | 4.9% |
| 5 | East Texas Professional C.U. | 34 | 4.5% |
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 Upshur 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 Upshur 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.