Comal County
Texas · FIPS 48091
According to CFPB HMDA 2024 application volume among U.S. counties, Comal County ranks #266 of 3,223, and #21 of 253 in Texas.
Mortgage lending activity in Comal 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. Comal County, Texas lenders denied 1,370 of the applications reported here, financing the rest at an average note rate of 6.32%, with applicants self-reporting average annual income of $39K. 368 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.1x, meaning typical borrowers took on mortgages of about 10.1 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 Comal County
In Comal County, lead originator Lennar Mortgage, LLC funded 13.7% of 5,621 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 29.2% 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 Comal County's 11,294 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Comal County's $394,036 average loan (deduped against volume peers).
Lenders active in Comal County
Lennar Mortgage, LLC funded 770 of the 5,621 loans originated in Comal County, 13.7% of the county. 368 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Lennar Mortgage, LLC | 770 | 13.7% |
| 2 | Randolph-Brooks Federal Credit Union | 555 | 9.9% |
| 3 | DHI Mortgage Company, LTD. | 315 | 5.6% |
| 4 | United Wholesale Mortgage | 297 | 5.3% |
| 5 | Rocket Mortgage | 207 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Comal 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 Comal 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.