Texas Mortgage Lending in 2025
Explore residential mortgage lending activity in Texas using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
State Profile
TX
389,510
Loans Originated
• 27 Metropolitan Areas
• $139.48 Billion Originated Volume
• $305,000 Median Loan
Actionable Applications
526,381
+6.38% vs 2024
Approval Rate
78.92%
-0.11 pp vs 2024
Denial Rate
21.08%
+0.11 pp vs 2024
Loan Originations
389,510
+5.56% vs 2024
Originated Volume
$139.48 Billion
+8.36% vs 2024
Credit Decision Outcomes (2025)
Outcomes for 526,381 actionable applications (Actions 1, 2, and 3).
Action 1: Originated
389,510
(74.00%)
Action 2: Approved not accepted
25,885
(4.92%)
Action 3: Denied
110,986
(21.08%)
Action 4: Withdrawn (not in denominator)
109,675
—
Action 5: Incomplete (not in denominator)
43,486
—
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →
How Texas Compares
Key metrics: Texas vs. U.S. (2025)
| Metric | Texas | U.S. |
|---|---|---|
| Actionable Apps | 526,381 | 5,197,320 |
| Approval Rate | 78.92% | 82.12% |
| Denial Rate | 21.08% | 17.88% |
| Originations | 389,510 | 4,052,301 |
| Originated Volume | $139.48 Billion | $1.58 Trillion |
| Median Loan | $305,000 | $325,000 |
Lending Trends in Texas
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 636,849 | 679,542 | +6.70% |
| Actionable Apps | 494,796 | 526,381 | +6.38% |
| Originations | 368,983 | 389,510 | +5.56% |
| Approval Rate | 79.03% | 78.92% | -0.11 pp |
| Denial Rate | 20.97% | 21.08% | +0.11 pp |
| Median Loan | $305,000 | $305,000 | 0.00% |
| Dollar Volume | $128.72 Billion | $139.48 Billion | +8.36% |
Applications by Borrower Income (Texas)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 122,669 | 84.69% | 15.31% |
| $150k+ | 146,725 | 89.26% | 10.74% |
| $50k–$99,999 | 177,291 | 75.73% | 24.27% |
| <$50k | 48,569 | 45.92% | 54.08% |
| Income unavailable/entity | 31,127 | 77.03% | 22.97% |
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.
Metropolitan Areas in Texas
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Houston-Pasadena-The Woodlands | 125,406 | 92,198 | 78.17% |
| Dallas-Plano-Irving | 99,523 | 79,431 | 83.66% |
| San Antonio-New Braunfels | 53,060 | 39,832 | 80.16% |
| Austin-Round Rock-San Marcos | 45,022 | 35,825 | 83.93% |
| Fort Worth-Arlington-Grapevine | 44,835 | 35,032 | 82.18% |
| El Paso | 12,828 | 9,942 | 81.85% |
| Killeen-Temple | 11,646 | 9,088 | 82.68% |
| McAllen-Edinburg-Mission | 9,000 | 6,054 | 72.16% |
| Corpus Christi | 7,805 | 5,363 | 74.90% |
| Lubbock | 6,055 | 4,714 | 81.45% |
| Beaumont-Port Arthur | 5,774 | 3,757 | 71.65% |
| Midland | 5,263 | 3,720 | 75.45% |
| Longview | 4,892 | 3,131 | 71.22% |
| Amarillo | 4,990 | 3,714 | 82.42% |
| Tyler | 4,653 | 3,197 | 74.32% |
| Waco | 4,468 | 3,310 | 80.08% |
| Brownsville-Harlingen | 4,326 | 3,040 | 75.20% |
| Odessa | 4,333 | 2,422 | 62.31% |
| College Station-Bryan | 4,231 | 2,975 | 75.87% |
| Abilene | 3,781 | 2,920 | 81.88% |
| Sherman-Denison | 3,793 | 2,736 | 78.09% |
| Laredo | 3,011 | 2,094 | 75.02% |
| Texarkana | 2,184 | 1,314 | 68.18% |
| Wichita Falls | 2,255 | 1,766 | 82.66% |
| San Angelo | 1,867 | 1,494 | 83.93% |
| Victoria | 1,426 | 909 | 69.85% |
| Eagle Pass | 493 | 345 | 74.85% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Texas (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 38,699 | 88.46% |
| 2 | ROCKET MORTGAGE | 23,864 | 77.37% |
| 3 | DHI Mortgage Company, LTD. | 16,650 | 83.38% |
| 4 | Lennar Mortgage, LLC | 13,142 | 76.84% |
| 5 | JPMorgan Chase Bank, NA | 8,392 | 88.01% |
| 6 | CMG MORTGAGE INC | 8,372 | 95.52% |
| 7 | loanDepot.com LLC | 6,890 | 76.92% |
| 8 | Mortgage Research Center | 6,846 | 74.03% |
| 9 | FAIRWAY INDEPENDENT MORT CORP | 6,770 | 95.65% |
| 10 | CROSSCOUNTRY MORTGAGE, LLC | 6,745 | 97.12% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
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