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2024 data HMDA 2024 disclosure official source

Victoria County

2,477 mortgage applications, 22.0% denial rate. Verify FIPS 48469 with U.S. Census Bureau →

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Texas · FIPS 48469

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.

FIPS 48469 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,477
Applications
1,044
Originated
22.0%
Denial Rate
42.1%
Approval Rate
$202,093
Avg Loan Amount
7.10%
Avg Interest Rate
$39K
Avg Applicant Income
5.2x
Loan-to-Income Ratio

Nearby Lenders in Victoria 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 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%
Compare Wallick and Volk, INC. vs TDECU →

Frequently Asked Questions

How many mortgage applications were filed in Victoria County?
In the 2024 HMDA reporting year, 2,477 mortgage applications were filed in Victoria County, Texas. Of these, 1,044 were originated (approved and funded), while 545 were denied, resulting in a denial rate of 22.0%.
What is the mortgage denial rate in Victoria County?
The mortgage denial rate in Victoria County is 22.0%. The approval (origination) rate is 42.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Victoria County?
The average mortgage loan amount in Victoria County is $202,093. The average interest rate is 7.096%. The average applicant income is $39K.
What is the loan-to-income ratio in Victoria County?
The average loan-to-income ratio in Victoria 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 Victoria County?
The top mortgage lenders in Victoria County by origination volume are Wallick and Volk, INC., TDECU, Rocket Mortgage. In total, 153 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.