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2024 data HMDA 2024 disclosure official source

Upshur County

1,618 mortgage applications, 22.3% denial rate. Verify FIPS 48459 with U.S. Census Bureau →

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Texas · FIPS 48459

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.

FIPS 48459 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,618
Applications
750
Originated
22.3%
Denial Rate
46.4%
Approval Rate
$197,429
Avg Loan Amount
7.35%
Avg Interest Rate
$38K
Avg Applicant Income
5.2x
Loan-to-Income Ratio

Nearby Lenders in Upshur 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 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%
Compare Rocket Mortgage vs Gilmer National Bank →

Frequently Asked Questions

How many mortgage applications were filed in Upshur County?
In the 2024 HMDA reporting year, 1,618 mortgage applications were filed in Upshur County, Texas. Of these, 750 were originated (approved and funded), while 361 were denied, resulting in a denial rate of 22.3%.
What is the mortgage denial rate in Upshur County?
The mortgage denial rate in Upshur County is 22.3%. The approval (origination) rate is 46.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Upshur County?
The average mortgage loan amount in Upshur County is $197,429. The average interest rate is 7.348%. The average applicant income is $38K.
What is the loan-to-income ratio in Upshur County?
The average loan-to-income ratio in Upshur County is 5.2x, meaning borrowers took on loans averaging 5.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Upshur County?
The top mortgage lenders in Upshur County by origination volume are Rocket Mortgage, Gilmer National Bank, Eastman Credit Union. In total, 142 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.