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2024 data HMDA 2024 disclosure official source

Bastrop County

5,179 mortgage applications, 20.0% denial rate. Verify FIPS 48021 with U.S. Census Bureau →

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Texas · FIPS 48021

Local mortgage market. Bastrop County, Texas saw 5,179 HMDA-reported mortgage applications in 2024. Lenders originated 2,256 of those loans and denied 1,036, producing a denial rate of 20.0% and an approval (origination) rate of 43.6%. The average loan amount was $271,075 at an average note rate of 6.62%, with applicants self-reporting average annual income of $40K. 242 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 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 48021 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,179
Applications
2,256
Originated
20.0%
Denial Rate
43.6%
Approval Rate
$271,075
Avg Loan Amount
6.62%
Avg Interest Rate
$40K
Avg Applicant Income
6.8x
Loan-to-Income Ratio

Nearby Lenders in Bastrop 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 Cmg Mortgage INC 247 10.9%
2 Lennar Mortgage, LLC 171 7.6%
3 United Wholesale Mortgage 130 5.8%
4 21st Mortgage 93 4.1%
5 Rocket Mortgage 89 3.9%
Compare Cmg Mortgage INC vs Lennar Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Bastrop County?
In the 2024 HMDA reporting year, 5,179 mortgage applications were filed in Bastrop County, Texas. Of these, 2,256 were originated (approved and funded), while 1,036 were denied, resulting in a denial rate of 20.0%.
What is the mortgage denial rate in Bastrop County?
The mortgage denial rate in Bastrop County is 20.0%. The approval (origination) rate is 43.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bastrop County?
The average mortgage loan amount in Bastrop County is $271,075. The average interest rate is 6.623%. The average applicant income is $40K.
What is the loan-to-income ratio in Bastrop County?
The average loan-to-income ratio in Bastrop County is 6.8x, meaning borrowers took on loans averaging 6.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bastrop County?
The top mortgage lenders in Bastrop County by origination volume are Cmg Mortgage INC, Lennar Mortgage, LLC, United Wholesale Mortgage. In total, 242 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.