PlainLender
2024 data HMDA 2024 disclosure official source

Webb County

5,689 mortgage applications, 19.7% denial rate. Verify FIPS 48479 with U.S. Census Bureau →

PlainLender home → About this data

Texas · FIPS 48479

Local mortgage market. Webb County, Texas saw 5,689 HMDA-reported mortgage applications in 2024. Lenders originated 2,596 of those loans and denied 1,121, producing a denial rate of 19.7% and an approval (origination) rate of 45.6%. The average loan amount was $205,181 at an average note rate of 6.38%, with applicants self-reporting average annual income of $41K. 169 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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 48479 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,689
Applications
2,596
Originated
19.7%
Denial Rate
45.6%
Approval Rate
$205,181
Avg Loan Amount
6.38%
Avg Interest Rate
$41K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Webb 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 PRIMELENDING 349 13.4%
2 United Wholesale Mortgage 193 7.4%
3 Freedom Mortgage Corporation 191 7.4%
4 Cmg Mortgage INC 110 4.2%
5 Flagstar Bank NA 99 3.8%
Compare PRIMELENDING vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Webb County?
In the 2024 HMDA reporting year, 5,689 mortgage applications were filed in Webb County, Texas. Of these, 2,596 were originated (approved and funded), while 1,121 were denied, resulting in a denial rate of 19.7%.
What is the mortgage denial rate in Webb County?
The mortgage denial rate in Webb County is 19.7%. The approval (origination) rate is 45.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Webb County?
The average mortgage loan amount in Webb County is $205,181. The average interest rate is 6.385%. The average applicant income is $41K.
What is the loan-to-income ratio in Webb County?
The average loan-to-income ratio in Webb County is 5.0x, meaning borrowers took on loans averaging 5.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Webb County?
The top mortgage lenders in Webb County by origination volume are PRIMELENDING, United Wholesale Mortgage, Freedom Mortgage Corporation. In total, 169 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.