Wilson County
Texas · FIPS 48493
According to CFPB HMDA 2024 application volume among U.S. counties, Wilson County ranks #829 of 3,223, and #59 of 253 in Texas.
Mortgage lending activity in Wilson 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. Wilson County, Texas lenders denied 412 of the applications reported here, financing the rest at an average note rate of 6.78%, with applicants self-reporting average annual income of $39K. 181 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.4x, meaning typical borrowers took on mortgages of about 7.4 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 Wilson County
In Wilson County, lead originator Randolph-Brooks Federal Credit Union funded 12.3% of 1,132 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 23.3% 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 Wilson County's 2,453 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wilson County's $287,165 average loan (deduped against volume peers).
Lenders active in Wilson County
Randolph-Brooks Federal Credit Union funded 139 of the 1,132 loans originated in Wilson County, 12.3% of the county. 181 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Randolph-Brooks Federal Credit Union | 139 | 12.3% |
| 2 | 21st Mortgage | 63 | 5.6% |
| 3 | DHI Mortgage Company, LTD. | 62 | 5.5% |
| 4 | Lennar Mortgage, LLC | 55 | 4.9% |
| 5 | United Wholesale Mortgage | 55 | 4.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Wilson County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Wilson County borrowers. 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.