Corpus Christi Mortgage Lending in 2025

Explore mortgage lending activity in Corpus Christi (MSA/MD Code 18580) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 18580
5,363 Loans Originated
• Primary State: Texas (TX)
• $1.51 Billion Originated Volume
• $255,000 Median Loan
Actionable Applications 7,805 +12.98% vs 2024
Approval Rate 74.90% +0.03 pp vs 2024
Denial Rate 25.10% -0.03 pp vs 2024
Loan Originations 5,363 +10.51% vs 2024
Originated Volume $1.51 Billion +13.13% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 7,805 actionable applications (Actions 1, 2, and 3).

74.90%
25.10%
5,846 approved 1,959 denied
Action 1: Originated
5,363 (68.71%)
Action 2: Approved not accepted
483 (6.19%)
Action 3: Denied
1,959 (25.10%)
Action 4: Withdrawn (not in denominator)
1,653 —
Action 5: Incomplete (not in denominator)
558 —
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 Corpus Christi Compares

Metro vs. State Baseline (2025)

Metric Corpus Christi Texas
Actionable Apps 7,805 526,381
Approval Rate 74.90% 78.92%
Denial Rate 25.10% 21.08%
Originations 5,363 389,510
Originated Volume $1.51 Billion $139.48 Billion
Median Loan $255,000 $305,000
Compared against Texas statewide baseline in 2025.

Lending Trends in Corpus Christi

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 8,937 10,016 +12.07%
Actionable Apps 6,908 7,805 +12.98%
Originations 4,853 5,363 +10.51%
Approval Rate 74.87% 74.90% +0.03 pp
Denial Rate 25.13% 25.10% -0.03 pp
Median Loan $255,000 $255,000 0.00%
Dollar Volume $1.33 Billion $1.51 Billion +13.13%

Applications by Borrower Income (Corpus Christi)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 1,800 82.72% 17.28%
$150k+ 1,526 86.44% 13.56%
$50k–$99,999 2,940 73.95% 26.05%
<$50k 1,050 46.38% 53.62%
Income unavailable/entity 489 77.10% 22.90%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Texas (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 18580, anchored in Texas (TX).
Metro Share of State Apps 1.48%
Metro Share of State Volume 1.08%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Texas statewide mortgage activity

Corpus Christi is part of OpenFileData’s statewide coverage of Texas. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Texas Statewide Overview Active Profile
Statewide Actionable Applications: 526,381
Explore Texas State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Texas Profile

Compare all metropolitan areas located in Texas.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.