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2024 data HMDA 2024 disclosure official source

Zavala County

114 mortgage applications, 33.3% denial rate. Verify FIPS 48507 with U.S. Census Bureau →

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Texas · FIPS 48507

Local mortgage market. Zavala County, Texas saw 114 HMDA-reported mortgage applications in 2024. Lenders originated 32 of those loans and denied 38, producing a denial rate of 33.3% and an approval (origination) rate of 28.1%. The average loan amount was $130,175 at an average note rate of 8.10%, with applicants self-reporting average annual income of $41K. 18 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 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 48507 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

114
Applications
32
Originated
33.3%
Denial Rate
28.1%
Approval Rate
$130,175
Avg Loan Amount
8.10%
Avg Interest Rate
$41K
Avg Applicant Income
3.2x
Loan-to-Income Ratio

Nearby Lenders in Zavala 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 21st Mortgage 8 25.0%
2 Rocket Mortgage 4 12.5%
3 Randolph-Brooks Federal Credit Union 2 6.3%
4 Fairway Independent Mort CORP 2 6.3%
5 Security Service 2 6.3%
Compare 21st Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Zavala County?
In the 2024 HMDA reporting year, 114 mortgage applications were filed in Zavala County, Texas. Of these, 32 were originated (approved and funded), while 38 were denied, resulting in a denial rate of 33.3%.
What is the mortgage denial rate in Zavala County?
The mortgage denial rate in Zavala County is 33.3%. The approval (origination) rate is 28.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Zavala County?
The average mortgage loan amount in Zavala County is $130,175. The average interest rate is 8.097%. The average applicant income is $41K.
What is the loan-to-income ratio in Zavala County?
The average loan-to-income ratio in Zavala County is 3.2x, meaning borrowers took on loans averaging 3.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Zavala County?
The top mortgage lenders in Zavala County by origination volume are 21st Mortgage, Rocket Mortgage, Randolph-Brooks Federal Credit Union. In total, 18 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.