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2024 data HMDA 2024 disclosure official source

Grimes County

1,536 mortgage applications, 24.5% denial rate. Verify FIPS 48185 with U.S. Census Bureau →

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Texas · FIPS 48185

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.

FIPS 48185 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,536
Applications
638
Originated
24.5%
Denial Rate
41.5%
Approval Rate
$257,279
Avg Loan Amount
6.80%
Avg Interest Rate
$39K
Avg Applicant Income
6.6x
Loan-to-Income Ratio

Nearby Lenders in Grimes 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 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%
Compare United Wholesale Mortgage vs DHI Mortgage Company, LTD. →

Frequently Asked Questions

How many mortgage applications were filed in Grimes County?
In the 2024 HMDA reporting year, 1,536 mortgage applications were filed in Grimes County, Texas. Of these, 638 were originated (approved and funded), while 377 were denied, resulting in a denial rate of 24.5%.
What is the mortgage denial rate in Grimes County?
The mortgage denial rate in Grimes County is 24.5%. The approval (origination) rate is 41.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Grimes County?
The average mortgage loan amount in Grimes County is $257,279. The average interest rate is 6.802%. The average applicant income is $39K.
What is the loan-to-income ratio in Grimes County?
The average loan-to-income ratio in Grimes County is 6.6x, meaning borrowers took on loans averaging 6.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Grimes County?
The top mortgage lenders in Grimes County by origination volume are United Wholesale Mortgage, DHI Mortgage Company, LTD., Lennar Mortgage, LLC. In total, 154 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.