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2024 data HMDA 2024 disclosure official source

Williamson County

32,963 mortgage applications, 11.6% denial rate. Verify FIPS 48491 with U.S. Census Bureau →

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Texas · FIPS 48491

Local mortgage market. Williamson County, Texas saw 32,963 HMDA-reported mortgage applications in 2024. Lenders originated 16,262 of those loans and denied 3,808, producing a denial rate of 11.6% and an approval (origination) rate of 49.3%. The average loan amount was $378,335 at an average note rate of 6.46%, with applicants self-reporting average annual income of $38K. 518 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 10.0x, meaning typical borrowers took on mortgages of about 10.0 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 48491 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

32,963
Applications
16,262
Originated
11.6%
Denial Rate
49.3%
Approval Rate
$378,335
Avg Loan Amount
6.46%
Avg Interest Rate
$38K
Avg Applicant Income
10.0x
Loan-to-Income Ratio

Nearby Lenders in Williamson 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 United Wholesale Mortgage 1,254 7.7%
2 Lennar Mortgage, LLC 769 4.7%
3 DHI Mortgage Company, LTD. 631 3.9%
4 Pulte Mortgage LLC 622 3.8%
5 Rocket Mortgage 556 3.4%
Compare United Wholesale Mortgage vs Lennar Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Williamson County?
In the 2024 HMDA reporting year, 32,963 mortgage applications were filed in Williamson County, Texas. Of these, 16,262 were originated (approved and funded), while 3,808 were denied, resulting in a denial rate of 11.6%.
What is the mortgage denial rate in Williamson County?
The mortgage denial rate in Williamson County is 11.6%. The approval (origination) rate is 49.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Williamson County?
The average mortgage loan amount in Williamson County is $378,335. The average interest rate is 6.462%. The average applicant income is $38K.
What is the loan-to-income ratio in Williamson County?
The average loan-to-income ratio in Williamson County is 10.0x, meaning borrowers took on loans averaging 10.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Williamson County?
The top mortgage lenders in Williamson County by origination volume are United Wholesale Mortgage, Lennar Mortgage, LLC, DHI Mortgage Company, LTD.. In total, 518 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.