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2024 data HMDA 2024 disclosure official source

Val Verde County

1,071 mortgage applications, 19.4% denial rate. Verify FIPS 48465 with U.S. Census Bureau →

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Texas · FIPS 48465

Local mortgage market. Val Verde County, Texas saw 1,071 HMDA-reported mortgage applications in 2024. Lenders originated 513 of those loans and denied 208, producing a denial rate of 19.4% and an approval (origination) rate of 47.9%. The average loan amount was $205,103 at an average note rate of 6.71%, with applicants self-reporting average annual income of $40K. 99 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 48465 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,071
Applications
513
Originated
19.4%
Denial Rate
47.9%
Approval Rate
$205,103
Avg Loan Amount
6.71%
Avg Interest Rate
$40K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Val Verde 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 Fairway Independent Mort CORP 78 15.2%
2 Flagstar Bank NA 61 11.9%
3 The Bank & Trust, S.S.B. 38 7.4%
4 Rocket Mortgage 32 6.2%
5 Mortgage Research Center 25 4.9%
Compare Fairway Independent Mort CORP vs Flagstar Bank NA →

Frequently Asked Questions

How many mortgage applications were filed in Val Verde County?
In the 2024 HMDA reporting year, 1,071 mortgage applications were filed in Val Verde County, Texas. Of these, 513 were originated (approved and funded), while 208 were denied, resulting in a denial rate of 19.4%.
What is the mortgage denial rate in Val Verde County?
The mortgage denial rate in Val Verde County is 19.4%. The approval (origination) rate is 47.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Val Verde County?
The average mortgage loan amount in Val Verde County is $205,103. The average interest rate is 6.712%. The average applicant income is $40K.
What is the loan-to-income ratio in Val Verde County?
The average loan-to-income ratio in Val Verde County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Val Verde County?
The top mortgage lenders in Val Verde County by origination volume are Fairway Independent Mort CORP, Flagstar Bank NA, The Bank & Trust, S.S.B.. In total, 99 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.