Guadalupe County
Texas · FIPS 48187
According to CFPB HMDA 2024 application volume among U.S. counties, Guadalupe County ranks #254 of 3,223, and #20 of 253 in Texas.
Mortgage lending activity in Guadalupe 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. Guadalupe County, Texas lenders denied 1,493 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Guadalupe County
In Guadalupe County, lead originator Lennar Mortgage, LLC funded only 10.5% of 5,587 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 27.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Guadalupe County's 11,507 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Guadalupe County's $268,561 average loan (deduped against volume peers).
Lenders active in Guadalupe County
Lennar Mortgage, LLC funded 588 of the 5,587 loans originated in Guadalupe County, 10.5% of the county. 300 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Guadalupe County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Guadalupe County borrowers. 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.