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2024 data HMDA 2024 disclosure official source

Brazos County

6,446 mortgage applications, 15.5% denial rate. Verify FIPS 48041 with U.S. Census Bureau →

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Texas · FIPS 48041

Local mortgage market. Brazos County, Texas saw 6,446 HMDA-reported mortgage applications in 2024. Lenders originated 3,313 of those loans and denied 1,002, producing a denial rate of 15.5% and an approval (origination) rate of 51.4%. The average loan amount was $311,381 at an average note rate of 6.81%, with applicants self-reporting average annual income of $37K. 349 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.4x, meaning typical borrowers took on mortgages of about 8.4 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 48041 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

6,446
Applications
3,313
Originated
15.5%
Denial Rate
51.4%
Approval Rate
$311,381
Avg Loan Amount
6.81%
Avg Interest Rate
$37K
Avg Applicant Income
8.4x
Loan-to-Income Ratio

Nearby Lenders in Brazos 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 United Wholesale Mortgage 313 9.4%
2 DHI Mortgage Company, LTD. 203 6.1%
3 First Financial Bank 165 5.0%
4 Pilgrim Mortgage LLC 125 3.8%
5 Rocket Mortgage 122 3.7%
Compare United Wholesale Mortgage vs DHI Mortgage Company, LTD. →

Frequently Asked Questions

How many mortgage applications were filed in Brazos County?
In the 2024 HMDA reporting year, 6,446 mortgage applications were filed in Brazos County, Texas. Of these, 3,313 were originated (approved and funded), while 1,002 were denied, resulting in a denial rate of 15.5%.
What is the mortgage denial rate in Brazos County?
The mortgage denial rate in Brazos County is 15.5%. The approval (origination) rate is 51.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Brazos County?
The average mortgage loan amount in Brazos County is $311,381. The average interest rate is 6.813%. The average applicant income is $37K.
What is the loan-to-income ratio in Brazos County?
The average loan-to-income ratio in Brazos County is 8.4x, meaning borrowers took on loans averaging 8.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Brazos County?
The top mortgage lenders in Brazos County by origination volume are United Wholesale Mortgage, DHI Mortgage Company, LTD., First Financial Bank. In total, 349 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.