Victoria County
Texas · FIPS 48469
According to CFPB HMDA 2024 application volume among U.S. counties, Victoria County ranks #815 of 3,210, and #58 of 253 in Texas.
Mortgage lending activity in Victoria 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. Victoria County, Texas saw 2,477 HMDA-reported mortgage applications in 2024. Lenders originated 1,044 of those loans and denied 545, producing a denial rate of 22.0% and an approval (origination) rate of 42.1%. The average loan amount was $202,093 at an average note rate of 7.10%, with applicants self-reporting average annual income of $39K. 153 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 Victoria County
In Victoria County, lead originator Wallick and Volk, INC. funded 12.5% of 1,044 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 31.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Victoria County's 2,477 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Victoria County's $202,093 average loan (deduped against volume peers).
Lenders active in Victoria County
Wallick and Volk, INC. funded 131 of the 1,044 loans originated in Victoria County, 12.5% of the county. 153 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Wallick and Volk, INC. | 131 | 12.5% |
| 2 | TDECU | 114 | 10.9% |
| 3 | Rocket Mortgage | 79 | 7.6% |
| 4 | Prosperity Bank | 76 | 7.3% |
| 5 | United Wholesale Mortgage | 68 | 6.5% |
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 Victoria 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 Victoria 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.