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2024 data HMDA 2024 disclosure official source

Yoakum County

191 mortgage applications, 26.2% denial rate. Verify FIPS 48501 with U.S. Census Bureau →

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Texas · FIPS 48501

Local mortgage market. Yoakum County, Texas saw 191 HMDA-reported mortgage applications in 2024. Lenders originated 69 of those loans and denied 50, producing a denial rate of 26.2% and an approval (origination) rate of 36.1%. The average loan amount was $167,880 at an average note rate of 7.60%, with applicants self-reporting average annual income of $36K. 29 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 48501 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

191
Applications
69
Originated
26.2%
Denial Rate
36.1%
Approval Rate
$167,880
Avg Loan Amount
7.60%
Avg Interest Rate
$36K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Yoakum 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 Equity Prime Mortgage LLC 16 23.2%
2 21st Mortgage 9 13.0%
3 Htlf Bank 5 7.2%
4 Rocket Mortgage 5 7.2%
5 Alliance Credit Union 5 7.2%
Compare Equity Prime Mortgage LLC vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Yoakum County?
In the 2024 HMDA reporting year, 191 mortgage applications were filed in Yoakum County, Texas. Of these, 69 were originated (approved and funded), while 50 were denied, resulting in a denial rate of 26.2%.
What is the mortgage denial rate in Yoakum County?
The mortgage denial rate in Yoakum County is 26.2%. The approval (origination) rate is 36.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Yoakum County?
The average mortgage loan amount in Yoakum County is $167,880. The average interest rate is 7.597%. The average applicant income is $36K.
What is the loan-to-income ratio in Yoakum County?
The average loan-to-income ratio in Yoakum County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Yoakum County?
The top mortgage lenders in Yoakum County by origination volume are Equity Prime Mortgage LLC, 21st Mortgage, Htlf Bank. In total, 29 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.