Zapata County
Texas · FIPS 48505
According to CFPB HMDA 2024 application volume among U.S. counties, Zapata County ranks #2,601 of 3,223, and #174 of 253 in Texas.
Mortgage lending activity in Zapata 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. Zapata County, Texas lenders denied 55 of the applications reported here, financing the rest at an average note rate of 6.56%, with applicants self-reporting average annual income of $38K. 20 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.4x, meaning typical borrowers took on mortgages of about 3.4 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 Zapata County
In Zapata County, lead originator Gateway First Bank funded 36.5% of 74 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 62.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Zapata County's 198 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Zapata County's $128,081 average loan (deduped against volume peers).
Lenders active in Zapata County
Gateway First Bank funded 27 of the 74 loans originated in Zapata County, 36.5% of the county. 20 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Gateway First Bank | 27 | 36.5% |
| 2 | 21st Mortgage | 10 | 13.5% |
| 3 | United Wholesale Mortgage | 9 | 12.2% |
| 4 | Rocket Mortgage | 5 | 6.8% |
| 5 | Triad Financial Services, INC. | 3 | 4.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Zapata 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 Zapata 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.