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2024 data HMDA 2024 disclosure official source

Wilson County

2,453 mortgage applications, 16.8% denial rate. Verify FIPS 48493 with U.S. Census Bureau →

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Texas · FIPS 48493

Local mortgage market. Wilson County, Texas saw 2,453 HMDA-reported mortgage applications in 2024. Lenders originated 1,132 of those loans and denied 412, producing a denial rate of 16.8% and an approval (origination) rate of 46.1%. The average loan amount was $287,165 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.

FIPS 48493 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,453
Applications
1,132
Originated
16.8%
Denial Rate
46.1%
Approval Rate
$287,165
Avg Loan Amount
6.78%
Avg Interest Rate
$39K
Avg Applicant Income
7.4x
Loan-to-Income Ratio

Nearby Lenders in Wilson 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 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%
Compare Randolph-Brooks Federal Credit Union vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Wilson County?
In the 2024 HMDA reporting year, 2,453 mortgage applications were filed in Wilson County, Texas. Of these, 1,132 were originated (approved and funded), while 412 were denied, resulting in a denial rate of 16.8%.
What is the mortgage denial rate in Wilson County?
The mortgage denial rate in Wilson County is 16.8%. The approval (origination) rate is 46.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Wilson County?
The average mortgage loan amount in Wilson County is $287,165. The average interest rate is 6.782%. The average applicant income is $39K.
What is the loan-to-income ratio in Wilson County?
The average loan-to-income ratio in Wilson County is 7.4x, meaning borrowers took on loans averaging 7.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Wilson County?
The top mortgage lenders in Wilson County by origination volume are Randolph-Brooks Federal Credit Union, 21st Mortgage, DHI Mortgage Company, LTD.. In total, 181 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.