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2024 data HMDA 2024 disclosure official source

Fort Bend County

35,520 mortgage applications, 17.5% denial rate. Verify FIPS 48157 with U.S. Census Bureau →

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Texas · FIPS 48157

Local mortgage market. Fort Bend County, Texas saw 35,520 HMDA-reported mortgage applications in 2024. Lenders originated 16,520 of those loans and denied 6,217, producing a denial rate of 17.5% and an approval (origination) rate of 46.5%. The average loan amount was $322,106 at an average note rate of 6.60%, with applicants self-reporting average annual income of $39K. 529 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.

FIPS 48157 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

35,520
Applications
16,520
Originated
17.5%
Denial Rate
46.5%
Approval Rate
$322,106
Avg Loan Amount
6.60%
Avg Interest Rate
$39K
Avg Applicant Income
8.3x
Loan-to-Income Ratio

Nearby Lenders in Fort Bend 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 United Wholesale Mortgage 1,848 11.2%
2 DHI Mortgage Company, LTD. 1,418 8.6%
3 Rocket Mortgage 888 5.4%
4 Lennar Mortgage, LLC 588 3.6%
5 JPMorgan Chase Bank, NA 424 2.6%
Compare United Wholesale Mortgage vs DHI Mortgage Company, LTD. →

Frequently Asked Questions

How many mortgage applications were filed in Fort Bend County?
In the 2024 HMDA reporting year, 35,520 mortgage applications were filed in Fort Bend County, Texas. Of these, 16,520 were originated (approved and funded), while 6,217 were denied, resulting in a denial rate of 17.5%.
What is the mortgage denial rate in Fort Bend County?
The mortgage denial rate in Fort Bend County is 17.5%. The approval (origination) rate is 46.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Fort Bend County?
The average mortgage loan amount in Fort Bend County is $322,106. The average interest rate is 6.600%. The average applicant income is $39K.
What is the loan-to-income ratio in Fort Bend County?
The average loan-to-income ratio in Fort Bend County is 8.3x, meaning borrowers took on loans averaging 8.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Fort Bend County?
The top mortgage lenders in Fort Bend County by origination volume are United Wholesale Mortgage, DHI Mortgage Company, LTD., Rocket Mortgage. In total, 529 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.