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Wilson County, Texas
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Wilson County, Texas, saw 2,140 HMDA-reported applications and 1,135 originations ($356m) in 2024.
That is 62.4 originations per 1,000 households, against 45.0 for Texas and 48.0 nationally.
The county's denial rate was 24.9%, close to the state rate of 26.0%. The median rate spread on originated loans was 0.2 percentage points and 16.2% of originations were 1.5 points or more above the average prime offer rate.
16 lenders reached 25 applications in the county; the most active by originations were Randolph-Brooks Federal Credit Union (139), 21st Mortgage (63) and DHI Mortgage Company, LTD. (62).
Originations were up 7% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Randolph-Brooks Federal Credit Union | 268 | 139 | $22m | 15.8% | — |
| 2 | 21st Mortgage | 214 | 63 | $9.0m | 51.8% | — |
| 3 | DHI Mortgage Company, LTD. | 75 | 62 | $16m | 4.6% | — |
| 4 | Lennar Mortgage, LLC | 85 | 55 | $11m | 27.6% | — |
| 5 | United Wholesale Mortgage | 74 | 55 | $23m | 9.4% | — |
| 6 | Rocket Mortgage | 68 | 45 | $14m | 27.0% | — |
| 7 | Pilgrim Mortgage LLC | 49 | 37 | $14m | 0.0% | — |
| 8 | Mortgage Research Center | 59 | 28 | $11m | 20.0% | — |
| 9 | Security Service | 61 | 26 | $5.4m | 40.9% | — |
| 10 | SWBC Mortgage Corporation | 25 | 20 | $9.0m | — | — |
| 11 | Frost Bank | 32 | 17 | $2.5m | 39.3% | — |
| 12 | Navy Federal Credit Union | 37 | 16 | $4.3m | 42.9% | — |
| 13 | Triad Financial Services, Inc. | 64 | 10 | $1.6m | 45.3% | — |
| 14 | Vanderbilt Mortgage and Finance, Inc | 55 | 10 | $1.5m | — | — |
| 15 | Countryplace Mortgage, Ltd. | 29 | 7 | $1.3m | — | — |
| 16 | Credit Human Federal Credit Un | 31 | 5 | $815k | 61.3% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 16. Denial rate is denials over decided applications in this county.
Compared with Texas and the nation
| Measure | This county | Texas | United States |
|---|---|---|---|
| Denial rate | 24.9% | 26.0% | 24.3% |
| Median rate spread, pp | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.2% | 11.8% | 15.6% |
| Average originated loan | $314k | $350k | $329k |
| Originations per 1,000 households | 62.4 | 45.0 | 48.0 |
| Home purchase share of originations | 63.6% | 72.8% | 57.0% |
| FHA-insured share | 14.7% | 19.8% | 13.4% |
| VA-guaranteed share | 22.0% | 10.4% | 7.9% |
Rate spread distribution
Share of 1,060 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Texas). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 64% (722)Home improvement 3% (35)Refinancing 12% (139)Cash-out refinancing 17% (191)Other purpose 4% (48)
By type
Conventional 63% (714)FHA 15% (167)VA 22% (250)USDA 0% (4)
Trend by year
ApplicationsOriginations
This countyTexas
Questions and answers
Which lenders are most active in Wilson County, TX?
By 2024 originations: Randolph-Brooks Federal Credit Union (139), 21st Mortgage (63), DHI Mortgage Company, LTD. (62), Lennar Mortgage, LLC (55), United Wholesale Mortgage (55). 16 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Wilson County?
24.9% of decided applications were denied in 2024, against 26.0% across Texas and 24.3% nationally.
How many mortgages were originated in Wilson County in 2024?
1,135 loans totalling $356m, from 2,140 applications; 62.4 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 48493; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.