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2024 data HMDA 2024 disclosure official source

Caldwell County

2,592 mortgage applications, 19.3% denial rate. Verify FIPS 48055 with U.S. Census Bureau →

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Texas · FIPS 48055

Local mortgage market. Caldwell County, Texas saw 2,592 HMDA-reported mortgage applications in 2024. Lenders originated 1,089 of those loans and denied 499, producing a denial rate of 19.3% and an approval (origination) rate of 42.0%. The average loan amount was $242,373 at an average note rate of 6.28%, with applicants self-reporting average annual income of $41K. 149 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 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 48055 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,592
Applications
1,089
Originated
19.3%
Denial Rate
42.0%
Approval Rate
$242,373
Avg Loan Amount
6.28%
Avg Interest Rate
$41K
Avg Applicant Income
5.9x
Loan-to-Income Ratio

Nearby Lenders in Caldwell 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 DHI Mortgage Company, LTD. 208 19.1%
2 Lennar Mortgage, LLC 171 15.7%
3 Randolph-Brooks Federal Credit Union 72 6.6%
4 Velocio Mortgage, L.L.C. 57 5.2%
5 21st Mortgage 53 4.9%
Compare DHI Mortgage Company, LTD. vs Lennar Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Caldwell County?
In the 2024 HMDA reporting year, 2,592 mortgage applications were filed in Caldwell County, Texas. Of these, 1,089 were originated (approved and funded), while 499 were denied, resulting in a denial rate of 19.3%.
What is the mortgage denial rate in Caldwell County?
The mortgage denial rate in Caldwell County is 19.3%. The approval (origination) rate is 42.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Caldwell County?
The average mortgage loan amount in Caldwell County is $242,373. The average interest rate is 6.279%. The average applicant income is $41K.
What is the loan-to-income ratio in Caldwell County?
The average loan-to-income ratio in Caldwell County is 5.9x, meaning borrowers took on loans averaging 5.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Caldwell County?
The top mortgage lenders in Caldwell County by origination volume are DHI Mortgage Company, LTD., Lennar Mortgage, LLC, Randolph-Brooks Federal Credit Union. In total, 149 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.