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2024 data HMDA 2024 disclosure official source

Bee County

608 mortgage applications, 24.5% denial rate. Verify FIPS 48025 with U.S. Census Bureau →

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Texas · FIPS 48025

Local mortgage market. Bee County, Texas saw 608 HMDA-reported mortgage applications in 2024. Lenders originated 236 of those loans and denied 149, producing a denial rate of 24.5% and an approval (origination) rate of 38.8%. The average loan amount was $186,480 at an average note rate of 7.09%, with applicants self-reporting average annual income of $40K. 76 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 48025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

608
Applications
236
Originated
24.5%
Denial Rate
38.8%
Approval Rate
$186,480
Avg Loan Amount
7.09%
Avg Interest Rate
$40K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Bee 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 Rally Credit Union 32 13.6%
2 Guild Mortgage Company 25 10.6%
3 21st Mortgage 19 8.1%
4 Rocket Mortgage 14 5.9%
5 United Wholesale Mortgage 10 4.2%
Compare Rally Credit Union vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Bee County?
In the 2024 HMDA reporting year, 608 mortgage applications were filed in Bee County, Texas. Of these, 236 were originated (approved and funded), while 149 were denied, resulting in a denial rate of 24.5%.
What is the mortgage denial rate in Bee County?
The mortgage denial rate in Bee County is 24.5%. The approval (origination) rate is 38.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bee County?
The average mortgage loan amount in Bee County is $186,480. The average interest rate is 7.093%. The average applicant income is $40K.
What is the loan-to-income ratio in Bee County?
The average loan-to-income ratio in Bee County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bee County?
The top mortgage lenders in Bee County by origination volume are Rally Credit Union, Guild Mortgage Company, 21st Mortgage. In total, 76 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.