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2024 data HMDA 2024 disclosure official source

Comal County

11,294 mortgage applications, 12.1% denial rate. Verify FIPS 48091 with U.S. Census Bureau →

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Texas · FIPS 48091

Local mortgage market. Comal County, Texas saw 11,294 HMDA-reported mortgage applications in 2024. Lenders originated 5,621 of those loans and denied 1,370, producing a denial rate of 12.1% and an approval (origination) rate of 49.8%. The average loan amount was $394,036 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.

FIPS 48091 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,294
Applications
5,621
Originated
12.1%
Denial Rate
49.8%
Approval Rate
$394,036
Avg Loan Amount
6.32%
Avg Interest Rate
$39K
Avg Applicant Income
10.1x
Loan-to-Income Ratio

Nearby Lenders in Comal 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 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%
Compare Lennar Mortgage, LLC vs Randolph-Brooks Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Comal County?
In the 2024 HMDA reporting year, 11,294 mortgage applications were filed in Comal County, Texas. Of these, 5,621 were originated (approved and funded), while 1,370 were denied, resulting in a denial rate of 12.1%.
What is the mortgage denial rate in Comal County?
The mortgage denial rate in Comal County is 12.1%. The approval (origination) rate is 49.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Comal County?
The average mortgage loan amount in Comal County is $394,036. The average interest rate is 6.319%. The average applicant income is $39K.
What is the loan-to-income ratio in Comal County?
The average loan-to-income ratio in Comal County is 10.1x, meaning borrowers took on loans averaging 10.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Comal County?
The top mortgage lenders in Comal County by origination volume are Lennar Mortgage, LLC, Randolph-Brooks Federal Credit Union, DHI Mortgage Company, LTD.. In total, 368 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.