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2024 data HMDA 2024 disclosure official source

Guadalupe County

11,507 mortgage applications, 13.0% denial rate. Verify FIPS 48187 with U.S. Census Bureau →

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Texas · FIPS 48187

Local mortgage market. Guadalupe County, Texas saw 11,507 HMDA-reported mortgage applications in 2024. Lenders originated 5,587 of those loans and denied 1,493, producing a denial rate of 13.0% and an approval (origination) rate of 48.6%. The average loan amount was $268,561 at an average note rate of 6.16%, with applicants self-reporting average annual income of $40K. 300 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.7x, meaning typical borrowers took on mortgages of about 6.7 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 48187 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,507
Applications
5,587
Originated
13.0%
Denial Rate
48.6%
Approval Rate
$268,561
Avg Loan Amount
6.16%
Avg Interest Rate
$40K
Avg Applicant Income
6.7x
Loan-to-Income Ratio

Nearby Lenders in Guadalupe 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 588 10.5%
2 Randolph-Brooks Federal Credit Union 526 9.4%
3 DHI Mortgage Company, LTD. 406 7.3%
4 United Wholesale Mortgage 240 4.3%
5 Kbhs Home Loans, LLC 200 3.6%
Compare Lennar Mortgage, LLC vs Randolph-Brooks Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Guadalupe County?
In the 2024 HMDA reporting year, 11,507 mortgage applications were filed in Guadalupe County, Texas. Of these, 5,587 were originated (approved and funded), while 1,493 were denied, resulting in a denial rate of 13.0%.
What is the mortgage denial rate in Guadalupe County?
The mortgage denial rate in Guadalupe County is 13.0%. The approval (origination) rate is 48.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Guadalupe County?
The average mortgage loan amount in Guadalupe County is $268,561. The average interest rate is 6.155%. The average applicant income is $40K.
What is the loan-to-income ratio in Guadalupe County?
The average loan-to-income ratio in Guadalupe County is 6.7x, meaning borrowers took on loans averaging 6.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Guadalupe County?
The top mortgage lenders in Guadalupe County by origination volume are Lennar Mortgage, LLC, Randolph-Brooks Federal Credit Union, DHI Mortgage Company, LTD.. In total, 300 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.