Jim Wells County
Texas · FIPS 48249
According to CFPB HMDA 2024 application volume among U.S. counties, Jim Wells County ranks #1,518 of 3,210, and #100 of 253 in Texas.
Mortgage lending activity in Jim Wells 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Jim Wells County
In Jim Wells County, lead originator Rally Credit Union funded only 10.5% of 323 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Jim Wells County's 902 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jim Wells County's $185,443 average loan (deduped against volume peers).
Lenders active in Jim Wells County
Rally Credit Union funded 34 of the 323 loans originated in Jim Wells County, 10.5% of the county. 88 lenders reported activity here.
| # | 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% |
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 Jim Wells 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 Jim Wells 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.