Ward County
Texas · FIPS 48475
According to CFPB HMDA 2024 application volume among U.S. counties, Ward County ranks #2,140 of 3,210, and #145 of 253 in Texas.
Mortgage lending activity in Ward 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. Ward County, Texas saw 418 HMDA-reported mortgage applications in 2024. Lenders originated 167 of those loans and denied 87, producing a denial rate of 20.8% and an approval (origination) rate of 40.0%. The average loan amount was $197,297 at an average note rate of 7.28%, with applicants self-reporting average annual income of $38K. 54 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 Ward County
In Ward County, lead originator Guaranteed Rate, INC. funded 13.2% of 167 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 30.5% 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 Ward County's 418 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Ward County's $197,297 average loan (deduped against volume peers).
Lenders active in Ward County
Guaranteed Rate, INC. funded 22 of the 167 loans originated in Ward County, 13.2% of the county. 54 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guaranteed Rate, INC. | 22 | 13.2% |
| 2 | 21st Mortgage | 17 | 10.2% |
| 3 | Rocket Mortgage | 12 | 7.2% |
| 4 | JPMorgan Chase Bank, NA | 10 | 6.0% |
| 5 | City Bank | 8 | 4.8% |
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 Ward 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 Ward 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.