Cameron County
Texas · FIPS 48061
According to CFPB HMDA 2024 application volume among U.S. counties, Cameron County ranks #311 of 3,210, and #25 of 253 in Texas.
Mortgage lending activity in Cameron County, Texas based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Cameron County, Texas saw 9,232 HMDA-reported mortgage applications in 2024. Lenders originated 4,050 of those loans and denied 1,863, producing a denial rate of 20.2% and an approval (origination) rate of 43.9%. The average loan amount was $213,465 at an average note rate of 6.72%, with applicants self-reporting average annual income of $40K. 261 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Cameron County
In Cameron County, lead originator United Wholesale Mortgage funded only 6.4% of 4,050 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 15.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Cameron County's 9,232 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cameron County's $213,465 average loan (deduped against volume peers).
Lenders active in Cameron County
United Wholesale Mortgage funded 260 of the 4,050 loans originated in Cameron County, 6.4% of the county. 261 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 260 | 6.4% |
| 2 | Rocket Mortgage | 215 | 5.3% |
| 3 | Rally Credit Union | 161 | 4.0% |
| 4 | Hallmark Home Mortgage, LLC | 154 | 3.8% |
| 5 | JPMorgan Chase Bank, NA | 153 | 3.8% |
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; does not constitute financial advice for Cameron County borrowers.
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 Cameron County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.