PlainLender
2024 data HMDA 2024 disclosure official source

Waller County

5,249 mortgage applications, 17.5% denial rate. Verify FIPS 48473 with U.S. Census Bureau →

PlainLender home → About this data

Texas · FIPS 48473

Local mortgage market. Waller County, Texas saw 5,249 HMDA-reported mortgage applications in 2024. Lenders originated 2,174 of those loans and denied 917, producing a denial rate of 17.5% and an approval (origination) rate of 41.4%. The average loan amount was $333,685 at an average note rate of 6.58%, with applicants self-reporting average annual income of $40K. 278 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.3x, meaning typical borrowers took on mortgages of about 8.3 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 48473 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,249
Applications
2,174
Originated
17.5%
Denial Rate
41.4%
Approval Rate
$333,685
Avg Loan Amount
6.58%
Avg Interest Rate
$40K
Avg Applicant Income
8.3x
Loan-to-Income Ratio

Nearby Lenders in Waller 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 United Wholesale Mortgage 160 7.4%
2 DHI Mortgage Company, LTD. 120 5.5%
3 Rocket Mortgage 84 3.9%
4 Kbhs Home Loans, LLC 81 3.7%
5 Interlinc Mortgage Services, LLC 59 2.7%
Compare United Wholesale Mortgage vs DHI Mortgage Company, LTD. →

Frequently Asked Questions

How many mortgage applications were filed in Waller County?
In the 2024 HMDA reporting year, 5,249 mortgage applications were filed in Waller County, Texas. Of these, 2,174 were originated (approved and funded), while 917 were denied, resulting in a denial rate of 17.5%.
What is the mortgage denial rate in Waller County?
The mortgage denial rate in Waller County is 17.5%. The approval (origination) rate is 41.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Waller County?
The average mortgage loan amount in Waller County is $333,685. The average interest rate is 6.585%. The average applicant income is $40K.
What is the loan-to-income ratio in Waller County?
The average loan-to-income ratio in Waller County is 8.3x, meaning borrowers took on loans averaging 8.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Waller County?
The top mortgage lenders in Waller County by origination volume are United Wholesale Mortgage, DHI Mortgage Company, LTD., Rocket Mortgage. In total, 278 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.