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DHI Mortgage Company, LTD. in Texas

HMDA record for properties in Texas, calendar year 2024. National record · Texas overview

LEI 5493001SXWZ4OFP8Z903
Reporting agency Department of Housing and Urban Development
State Texas

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

DHI Mortgage Company, LTD.'s 2024 HMDA record for Texas covers 25,200 applications, 18,498 of them originated, worth $5.7bn.

Its denial rate in the state was 11.1%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 12.2%.

The median rate spread on its Texas originations was -1.2 percentage points (state median 0.2).

Applications in the state were up 6% on 2023.

25,200applications in TX, 202426.3% of the lender's total
18,498loans originated$5.7bn
11.1%denial rateTX all lenders 26.0%
-1.2 ppmedian rate spreadTX 0.2 pp

Compared with the state and the lender's national record

MeasureIn TexasTexas, all lendersDHI Mortgage Company, LTD., all statesUnited States
Denial rate11.1%26.0%12.2%24.3%
Median rate spread, pp-1.20.2-1.00.3
Originations with spread of 1.5 pp or more0.2%11.8%0.2%15.6%
Average originated loan$308k$350k$340k$329k
Home purchase share100.0%72.8%100.0%57.0%
FHA-insured share53.1%19.8%42.6%13.4%
VA-guaranteed share17.1%10.4%16.5%7.9%

Trend by year

ApplicationsOriginations

013086.526,1732022: 26,173 Applications2023: 23,822 Applications2024: 25,200 Applications2022: 18,485 Originations2023: 18,483 Originations2024: 18,498 Originations202220232024
DHI Mortgage Company, LTD. in Texas: applications and originations, 2022–2024

This lender in stateTexas, all lenders

0%13.9%27.9%2022: 8.5% This lender in state2023: 7.2% This lender in state2024: 11.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Texas

By purpose

Home purchase 100% (18,494)Refinancing 0% (4)

By type

Conventional 29% (5,293)FHA 53% (9,825)VA 17% (3,162)USDA 1% (218)

Denial reasons as coded

Debt-to-income ratio59.9%
Credit history23.2%
Unverifiable information8.1%
Insufficient cash (downpayment, closing costs)2.7%
Employment history2.6%
Other2.5%
Credit application incomplete0.8%
Collateral0.2%
Mortgage insurance denied0%

Share of 2,354 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Texas

CountyApplicationsOriginationsAmountDenial rate
Denton County2,6151,917$689m9.5%
Bexar County2,1571,640$514m7.2%
Fort Bend County1,9671,418$429m12.2%
Tarrant County1,9201,364$456m16.1%
Harris County1,5011,116$296m10.0%
Collin County1,4481,044$311m12.2%
Montgomery County1,240840$214m13.7%
Bell County1,082795$227m7.9%
Hays County887696$208m9.9%
Williamson County802631$224m9.6%
Kaufman County871603$164m13.4%
Hunt County656480$126m13.1%
Guadalupe County518406$127m7.3%
Ector County537398$126m12.7%
Dallas County542370$129m14.6%
Nueces County477354$104m9.3%
Johnson County435331$106m12.8%
Comal County392315$114m6.2%
Travis County380297$92m11.0%
Rockwall County379284$82m9.6%
Ellis County340258$84m11.0%
Wise County338255$82m15.8%
Caldwell County294208$64m13.6%
Midland County280204$77m14.5%
Brazos County251203$57m7.7%
Galveston County258191$62m11.1%
McLennan County220171$45m6.4%
Lubbock County220149$36m12.9%
Medina County194145$44m8.1%
Waller County184120$40m17.8%
Grayson County166112$30m12.8%
Brazoria County13995$30m18.6%
San Patricio County12094$25m4.9%
Coryell County10780$22m8.0%
Burnet County9480$25m2.4%
Austin County10674$19m9.6%
Parker County9070$19m11.4%
Liberty County9566$19m10.8%
Wilson County7562$16m4.6%
Jefferson County7951$14m19.0%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did DHI Mortgage Company, LTD. originate in Texas in 2024?

18,498 loans totalling $5.7bn, from 25,200 applications reported for properties in Texas.

What is DHI Mortgage Company, LTD.'s denial rate in Texas?

11.1% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 12.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Texas counties does DHI Mortgage Company, LTD. lend in most?

By originations: Denton County (1,917), Bexar County (1,640), Fort Bend County (1,418), Tarrant County (1,364), Harris County (1,116).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.