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2024 data HMDA 2024 disclosure official source

Jim Wells County

902 mortgage applications, 27.3% denial rate. Verify FIPS 48249 with U.S. Census Bureau →

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Texas · FIPS 48249

Local mortgage market. Jim Wells County, Texas saw 902 HMDA-reported mortgage applications in 2024. Lenders originated 323 of those loans and denied 246, producing a denial rate of 27.3% and an approval (origination) rate of 35.8%. The average loan amount was $185,443 at an average note rate of 7.30%, with applicants self-reporting average annual income of $39K. 88 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 48249 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

902
Applications
323
Originated
27.3%
Denial Rate
35.8%
Approval Rate
$185,443
Avg Loan Amount
7.30%
Avg Interest Rate
$39K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Jim Wells 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 Rally Credit Union 34 10.5%
2 21st Mortgage 31 9.6%
3 Rocket Mortgage 17 5.3%
4 First National Bank Texas 15 4.6%
5 First Community Bank 13 4.0%
Compare Rally Credit Union vs 21st Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Jim Wells County?
In the 2024 HMDA reporting year, 902 mortgage applications were filed in Jim Wells County, Texas. Of these, 323 were originated (approved and funded), while 246 were denied, resulting in a denial rate of 27.3%.
What is the mortgage denial rate in Jim Wells County?
The mortgage denial rate in Jim Wells County is 27.3%. The approval (origination) rate is 35.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Jim Wells County?
The average mortgage loan amount in Jim Wells County is $185,443. The average interest rate is 7.303%. The average applicant income is $39K.
What is the loan-to-income ratio in Jim Wells County?
The average loan-to-income ratio in Jim Wells County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Jim Wells County?
The top mortgage lenders in Jim Wells County by origination volume are Rally Credit Union, 21st Mortgage, Rocket Mortgage. In total, 88 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.