Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Bell County, Texas
Every institution that decided a 1–4 unit mortgage application in Bell County, home to Killeen, between 2023 and 2025: 31,794 applications, 24,328 loans actually funded, across 8 kinds of borrowing.
Bell County at a glance
31,794Applications decided
2023–2025
24,328Loans funded
77% of decisions
87Census tracts
14 ZIP codes
379,811People
ACS 2023
What the data shows
Lenders approved 87.2% of home-purchase applications in Bell County, 3.2 points above the Texas rate.
The typical purchase mortgage here is $275K.
Investment home improvement is the hardest money to get here: lenders approved 38% of 108 applications.
Lending by loan type in Bell County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 87.2% | 20,429 | $275K | 97% | 431 |
| Home improvement loans | 39.9% | 1,432 | $65K | 96% | 90 |
| Cash-out refinance | 63.6% | 3,000 | $165K | 93% | 173 |
| Refinance | 75.5% | 3,888 | $295K | 86% | 203 |
| Investment property purchase | 85.2% | 1,630 | $185K | 94% | 252 |
| Investment cash-out refinance | 69.8% | 754 | $145K | 92% | 143 |
| Investment refinance | 76.5% | 553 | $175K | 90% | 124 |
| Investment home improvement | 38.0% | 108 | $105K | 95% | 38 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.