Wood County
Texas · FIPS 48499
According to CFPB HMDA 2024 application volume among U.S. counties, Wood County ranks #992 of 3,223, and #66 of 253 in Texas.
Mortgage lending activity in Wood 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. Wood County, Texas lenders denied 352 of the applications reported here, financing the rest at an average note rate of 7.08%, with applicants self-reporting average annual income of $38K. 176 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 Wood County
In Wood County, lead originator Guild Mortgage Company funded only 9.5% of 855 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Wood County's 1,823 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Wood County's $205,291 average loan (deduped against volume peers).
Lenders active in Wood County
Guild Mortgage Company funded 81 of the 855 loans originated in Wood County, 9.5% of the county. 176 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 81 | 9.5% |
| 2 | The City National Bank of Sulphur Springs | 61 | 7.1% |
| 3 | United Wholesale Mortgage | 46 | 5.4% |
| 4 | Rocket Mortgage | 43 | 5.0% |
| 5 | 21st Mortgage | 28 | 3.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Wood 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 Wood 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.