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2024 data HMDA 2024 disclosure official source

Bell County

16,632 mortgage applications, 15.2% denial rate. Verify FIPS 48027 with U.S. Census Bureau →

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Texas · FIPS 48027

Local mortgage market. Bell County, Texas saw 16,632 HMDA-reported mortgage applications in 2024. Lenders originated 8,340 of those loans and denied 2,522, producing a denial rate of 15.2% and an approval (origination) rate of 50.1%. The average loan amount was $257,557 at an average note rate of 6.61%, with applicants self-reporting average annual income of $40K. 375 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 48027 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

16,632
Applications
8,340
Originated
15.2%
Denial Rate
50.1%
Approval Rate
$257,557
Avg Loan Amount
6.61%
Avg Interest Rate
$40K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Bell 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 Fairway Independent Mort CORP 883 10.6%
2 DHI Mortgage Company, LTD. 795 9.5%
3 Mortgage Research Center 530 6.4%
4 United Wholesale Mortgage 503 6.0%
5 First National Bank Texas 335 4.0%
Compare Fairway Independent Mort CORP vs DHI Mortgage Company, LTD. →

Frequently Asked Questions

How many mortgage applications were filed in Bell County?
In the 2024 HMDA reporting year, 16,632 mortgage applications were filed in Bell County, Texas. Of these, 8,340 were originated (approved and funded), while 2,522 were denied, resulting in a denial rate of 15.2%.
What is the mortgage denial rate in Bell County?
The mortgage denial rate in Bell County is 15.2%. The approval (origination) rate is 50.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bell County?
The average mortgage loan amount in Bell County is $257,557. The average interest rate is 6.607%. The average applicant income is $40K.
What is the loan-to-income ratio in Bell County?
The average loan-to-income ratio in Bell County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bell County?
The top mortgage lenders in Bell County by origination volume are Fairway Independent Mort CORP, DHI Mortgage Company, LTD., Mortgage Research Center. In total, 375 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.