Mortgage lending in Caldwell County, Texas
Lenders in Caldwell County, Texas reported 2,112 mortgage applications for 2025, according to the CFPB.
2,112 mortgage applications and 936 loans originated in 2025; the denial rate was 34.4% of 1,571 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Austin-Round Rock-San Marcos, TX MSA.
- 2,112
- Applications
- 936
- Loans originated
- 34.4%
- Denial rate
- 540 denied of 1,571 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,112 | 936 |
| 2024 | 2,149 | 1,091 |
| 2023 | 1,943 | 886 |
| 2022 | 2,266 | 955 |
| 2021 | 2,323 | 1,066 |
| 2020 | 1,957 | 930 |
| 2019 | 1,418 | 649 |
| 2018 | 1,304 | 622 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| DHI Mortgage Company, LTD. | 180 | 238 |
| Lennar Mortgage, LLC | 79 | 110 |
| Randolph-Brooks Federal Credit Union | 71 | 165 |
| Velocio Mortgage, L.L.C. | 56 | 67 |
| United Wholesale Mortgage | 48 | 64 |
| 21ST Mortgage | 45 | 294 |
| Triad Financial Services, Inc. | 40 | 128 |
| Rocket Mortgage | 36 | 51 |
| CMG Mortgage Inc | 30 | 40 |
| Vanderbilt Mortgage and Finance, Inc | 24 | 152 |
| First Lockhart Bank | 16 | 22 |
| Southwest Stage Funding LLC | 13 | 50 |
| Newrez LLC | 13 | 33 |
| KBHS Home Loans, LLC | 11 | 13 |
| Interlinc Mortgage Services, LLC | 8 | 10 |
| City Lending Inc. | 8 | 8 |
| University Federal Credit Union | 7 | 10 |
| Guild Mortgage Company | 7 | 11 |
| New American Funding, LLC. | 7 | 15 |
| Frost Bank | 7 | 10 |
| Navy Federal Credit Union | 6 | 12 |
| Nationstar Mortgage | 6 | 12 |
| Pennymac Loan Services LLC | 6 | 19 |
| Kind Lending, LLC | 5 | 7 |
| Cardinal Financial Company, Li | 5 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 35 | no rate: base under 50 |
| Asian | 48 | no rate: base under 50 |
| Black or African American | 79 | 54.5% of 66 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,436 | 31.7% of 1,060 decided |
| 2 or more minority races | under 10 | |
| Joint | 39 | no rate: base under 50 |
| Race Not Available | 468 | 41.5% of 340 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,079 | 39.9% of 787 decided |
| Not Hispanic or Latino | 634 | 25.4% of 481 decided |
| Joint | 111 | 28.9% of 90 decided |
| Ethnicity Not Available | 288 | 36.6% of 213 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 824 | 35.0% of 609 decided |
| Female | 519 | 42.1% of 394 decided |
| Joint | 653 | 28.2% of 483 decided |
| Sex Not Available | 116 | 29.4% of 85 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. 712 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