Kleberg County
Texas · FIPS 48273
According to CFPB HMDA 2024 application volume among U.S. counties, Kleberg County ranks #1,822 of 3,210, and #116 of 253 in Texas.
Mortgage lending activity in Kleberg 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. Kleberg County, Texas saw 634 HMDA-reported mortgage applications in 2024. Lenders originated 285 of those loans and denied 112, producing a denial rate of 17.7% and an approval (origination) rate of 45.0%. The average loan amount was $194,968 at an average note rate of 7.00%, with applicants self-reporting average annual income of $38K. 84 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 Kleberg County
In Kleberg County, lead originator Mortgage Research Center funded only 10.5% of 285 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.5% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Kleberg County's 634 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Kleberg County's $194,968 average loan (deduped against volume peers).
Lenders active in Kleberg County
Mortgage Research Center funded 30 of the 285 loans originated in Kleberg County, 10.5% of the county. 84 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Mortgage Research Center | 30 | 10.5% |
| 2 | Rally Credit Union | 19 | 6.7% |
| 3 | Rocket Mortgage | 18 | 6.3% |
| 4 | United Wholesale Mortgage | 18 | 6.3% |
| 5 | Navy Federal Credit Union | 15 | 5.3% |
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 Kleberg 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 Kleberg 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.