Mortgage lending in Bell County, Texas
Lenders in Bell County, Texas reported 16,175 mortgage applications for 2025, according to the CFPB.
16,175 mortgage applications and 9,385 loans originated in 2025; the denial rate was 20.9% of 12,579 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Killeen-Temple, TX HUD Metro FMR Area.
- 16,175
- Applications
- 9,385
- Loans originated
- 20.9%
- Denial rate
- 2,633 denied of 12,579 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 16,175 | 9,385 |
| 2024 | 14,589 | 8,496 |
| 2023 | 13,800 | 7,836 |
| 2022 | 19,522 | 11,350 |
| 2021 | 27,217 | 16,851 |
| 2020 | 24,763 | 15,531 |
| 2019 | 15,374 | 9,681 |
| 2018 | 12,577 | 8,020 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| DHI Mortgage Company, LTD. | 870 | 1,206 |
| Fairway Independent Mort Corp | 869 | 1,116 |
| United Wholesale Mortgage | 627 | 869 |
| Mortgage Research Center | 522 | 932 |
| Rocket Mortgage | 392 | 647 |
| First National Bank Texas | 346 | 428 |
| Mortgage Solutions of Colorado | 242 | 323 |
| Navy Federal Credit Union | 209 | 564 |
| CMG Mortgage Inc | 197 | 267 |
| Cadence Bank | 192 | 298 |
| Texell Credit Union | 191 | 318 |
| Freedom Mortgage Corporation | 189 | 447 |
| Kangaroo Home Lending, LLC | 180 | 201 |
| SWBC Mortgage Corporation | 158 | 198 |
| Pennymac Loan Services LLC | 156 | 312 |
| Spark Mortgage, LLC | 147 | 181 |
| Newrez LLC | 121 | 327 |
| Ark-LA-Tex Financial Services LLC | 117 | 153 |
| Extraco Banks, NA | 112 | 169 |
| Nationstar Mortgage | 109 | 161 |
| Cornerstone Capital Bank, SSB | 107 | 115 |
| Lennar Mortgage, LLC | 104 | 141 |
| Crosscountry Mortgage, LLC | 89 | 131 |
| Central National Bank | 83 | 92 |
| New American Funding, LLC. | 80 | 170 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 177 | 24.4% of 135 decided |
| Asian | 575 | 19.7% of 437 decided |
| Black or African American | 2,925 | 23.9% of 2,239 decided |
| Native Hawaiian or Other Pacific Islander | 151 | 26.3% of 114 decided |
| White | 7,789 | 19.9% of 6,151 decided |
| 2 or more minority races | withheld | |
| Joint | 579 | 19.3% of 462 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,882 | 20.9% of 2,975 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,904 | 24.7% of 2,234 decided |
| Not Hispanic or Latino | 8,949 | 20.3% of 7,022 decided |
| Joint | withheld | |
| Ethnicity Not Available | 3,433 | 19.4% of 2,613 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,633 | 22.5% of 4,345 decided |
| Female | 3,182 | 26.5% of 2,471 decided |
| Joint | 5,655 | 16.3% of 4,487 decided |
| Sex Not Available | 1,705 | 21.2% of 1,276 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 498 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved