Grimes County
Texas · FIPS 48185
According to CFPB HMDA 2024 application volume among U.S. counties, Grimes County ranks #1,097 of 3,210, and #74 of 253 in Texas.
Mortgage lending activity in Grimes 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. Grimes County, Texas saw 1,536 HMDA-reported mortgage applications in 2024. Lenders originated 638 of those loans and denied 377, producing a denial rate of 24.5% and an approval (origination) rate of 41.5%. The average loan amount was $257,279 at an average note rate of 6.80%, with applicants self-reporting average annual income of $39K. 154 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 Grimes County
In Grimes County, lead originator United Wholesale Mortgage funded only 5.6% of 638 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 15.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Grimes County's 1,536 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Grimes County's $257,279 average loan (deduped against volume peers).
Lenders active in Grimes County
United Wholesale Mortgage funded 36 of the 638 loans originated in Grimes County, 5.6% of the county. 154 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 36 | 5.6% |
| 2 | DHI Mortgage Company, LTD. | 35 | 5.5% |
| 3 | Lennar Mortgage, LLC | 30 | 4.7% |
| 4 | 21st Mortgage | 29 | 4.5% |
| 5 | Rocket Mortgage | 29 | 4.5% |
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 Grimes 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 Grimes 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.