Houston-Pasadena-The Woodlands Mortgage Lending in 2025

Explore mortgage lending activity in Houston-Pasadena-The Woodlands (MSA/MD Code 26420) 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 26420
92,198 Loans Originated
• Primary State: Texas (TX)
• $33.25 Billion Originated Volume
• $305,000 Median Loan
Actionable Applications 125,406 +6.54% vs 2024
Approval Rate 78.17% -0.36 pp vs 2024
Denial Rate 21.83% +0.36 pp vs 2024
Loan Originations 92,198 +5.52% vs 2024
Originated Volume $33.25 Billion +9.34% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 125,406 actionable applications (Actions 1, 2, and 3).

78.17%
21.83%
98,036 approved 27,370 denied
Action 1: Originated
92,198 (73.52%)
Action 2: Approved not accepted
5,838 (4.66%)
Action 3: Denied
27,370 (21.83%)
Action 4: Withdrawn (not in denominator)
26,679 —
Action 5: Incomplete (not in denominator)
9,678 —
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 Houston-Pasadena-The Woodlands Compares

Metro vs. State Baseline (2025)

Metric Houston-Pasadena-The Woodlands Texas
Actionable Apps 125,406 526,381
Approval Rate 78.17% 78.92%
Denial Rate 21.83% 21.08%
Originations 92,198 389,510
Originated Volume $33.25 Billion $139.48 Billion
Median Loan $305,000 $305,000
Compared against Texas statewide baseline in 2025.

Lending Trends in Houston-Pasadena-The Woodlands

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 151,215 161,763 +6.98%
Actionable Apps 117,705 125,406 +6.54%
Originations 87,375 92,198 +5.52%
Approval Rate 78.53% 78.17% -0.36 pp
Denial Rate 21.47% 21.83% +0.36 pp
Median Loan $305,000 $305,000 0.00%
Dollar Volume $30.41 Billion $33.25 Billion +9.34%

Applications by Borrower Income (Houston-Pasadena-The Woodlands)

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

Income Bracket Apps Approval % Denial %
$100k–$149,999 29,573 84.54% 15.46%
$150k+ 37,440 89.30% 10.70%
$50k–$99,999 42,601 74.05% 25.95%
<$50k 9,845 37.31% 62.69%
Income unavailable/entity 5,947 73.70% 26.30%
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 26420, anchored in Texas (TX).
Metro Share of State Apps 23.82%
Metro Share of State Volume 23.84%
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

Houston-Pasadena-The Woodlands 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 →

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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.