Waller County
Texas · FIPS 48473
According to CFPB HMDA 2024 application volume among U.S. counties, Waller County ranks #491 of 3,223, and #39 of 253 in Texas.
Mortgage lending activity in Waller 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. Waller County, Texas lenders denied 917 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Waller County
In Waller County, lead originator United Wholesale Mortgage funded only 7.4% of 2,174 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 16.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Waller County's 5,249 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Waller County's $333,685 average loan (deduped against volume peers).
Lenders active in Waller County
United Wholesale Mortgage funded 160 of the 2,174 loans originated in Waller County, 7.4% of the county. 278 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Waller 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 Waller 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.