Chambers County
Texas · FIPS 48071
According to CFPB HMDA 2024 application volume among U.S. counties, Chambers County ranks #750 of 3,223, and #50 of 253 in Texas.
Mortgage lending activity in Chambers 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. Chambers County, Texas lenders denied 483 of the applications reported here, financing the rest at an average note rate of 6.53%, with applicants self-reporting average annual income of $39K. 198 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.3x, meaning typical borrowers took on mortgages of about 8.3 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 Chambers County
In Chambers County, lead originator United Wholesale Mortgage funded 13.3% of 1,330 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Chambers County's 2,884 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Chambers County's $322,441 average loan (deduped against volume peers).
Lenders active in Chambers County
United Wholesale Mortgage funded 177 of the 1,330 loans originated in Chambers County, 13.3% of the county. 198 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 177 | 13.3% |
| 2 | K. Hovnanian American Mortgage | 87 | 6.5% |
| 3 | Loandepot.Com, LLC | 68 | 5.1% |
| 4 | PRIMELENDING | 57 | 4.3% |
| 5 | Community Resource Credit Unio | 52 | 3.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Chambers County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Chambers County borrowers. 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.