Mullin at a glance
- Population: about 131, 1,185th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 127 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 3.1% since the 2020 count (US Census Bureau).
- Rank among Texas places: 1,185th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 3% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 31.5552, -98.6657 by the US Census Bureau Gazetteer.
- Nearest larger cities: Goldthwaite, TX (9 mi); Blanket, TX (20 mi); Early, TX (21 mi); Brownwood, TX (21 mi); Comanche, TX (24 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Melvin, TX (59 mi); Novice, TX (64 mi); Putnam, TX (64 mi) (US Census Bureau).
What a personal loan costs in Mullin
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Mullin
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Legal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393) Source says: the credit access business that serves as the broker is the licensee in this regulated industry | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Small-loan / installment lender licensing | License required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051) Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| State lending regulator | Texas Office of Consumer Credit Commissioner (OCCC) Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001) Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. | Texas Legislature (Texas Constitution and Statutes) as of 2026-09-16 |
How to compare offers in Mullin
Before you share your details with a lender in Mullin:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.