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2024 data HMDA 2024 disclosure official source

Bexar County

77,835 mortgage applications, 16.3% denial rate. Verify FIPS 48029 with U.S. Census Bureau →

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Texas · FIPS 48029

Local mortgage market. Bexar County, Texas saw 77,835 HMDA-reported mortgage applications in 2024. Lenders originated 35,292 of those loans and denied 12,708, producing a denial rate of 16.3% and an approval (origination) rate of 45.3%. The average loan amount was $274,779 at an average note rate of 6.36%, with applicants self-reporting average annual income of $40K. 575 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.9x, meaning typical borrowers took on mortgages of about 6.9 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 48029 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

77,835
Applications
35,292
Originated
16.3%
Denial Rate
45.3%
Approval Rate
$274,779
Avg Loan Amount
6.36%
Avg Interest Rate
$40K
Avg Applicant Income
6.9x
Loan-to-Income Ratio

Nearby Lenders in Bexar 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 Lennar Mortgage, LLC 3,027 8.6%
2 Randolph-Brooks Federal Credit Union 2,273 6.4%
3 United Wholesale Mortgage 1,798 5.1%
4 DHI Mortgage Company, LTD. 1,640 4.6%
5 Rocket Mortgage 1,418 4.0%
Compare Lennar Mortgage, LLC vs Randolph-Brooks Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Bexar County?
In the 2024 HMDA reporting year, 77,835 mortgage applications were filed in Bexar County, Texas. Of these, 35,292 were originated (approved and funded), while 12,708 were denied, resulting in a denial rate of 16.3%.
What is the mortgage denial rate in Bexar County?
The mortgage denial rate in Bexar County is 16.3%. The approval (origination) rate is 45.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bexar County?
The average mortgage loan amount in Bexar County is $274,779. The average interest rate is 6.358%. The average applicant income is $40K.
What is the loan-to-income ratio in Bexar County?
The average loan-to-income ratio in Bexar County is 6.9x, meaning borrowers took on loans averaging 6.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bexar County?
The top mortgage lenders in Bexar County by origination volume are Lennar Mortgage, LLC, Randolph-Brooks Federal Credit Union, United Wholesale Mortgage. In total, 575 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.