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Loandepot.com, LLC in Texas

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

LEI 549300AG64NHILB7ZP05
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.

Loandepot.com, LLC's 2024 HMDA record for Texas covers 16,827 applications, 9,387 of them originated, worth $2.8bn.

Its denial rate in the state was 30.1%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 29.1%.

The median rate spread on its Texas originations was 0.1 percentage points (state median 0.2).

Applications in the state were up 16% on 2023.

16,827applications in TX, 202411.8% of the lender's total
9,387loans originated$2.8bn
30.1%denial rateTX all lenders 26.0%
0.1 ppmedian rate spreadTX 0.2 pp

Compared with the state and the lender's national record

MeasureIn TexasTexas, all lendersLoandepot.com, LLC, all statesUnited States
Denial rate30.1%26.0%29.1%24.3%
Median rate spread, pp0.10.20.30.3
Originations with spread of 1.5 pp or more9.5%11.8%16.9%15.6%
Average originated loan$295k$350k$300k$329k
Home purchase share72.5%72.8%51.5%57.0%
FHA-insured share26.6%19.8%26.4%13.4%
VA-guaranteed share9.9%10.4%10.4%7.9%

Trend by year

ApplicationsOriginations

012009.524,0192022: 24,019 Applications2023: 14,551 Applications2024: 16,827 Applications2022: 14,768 Originations2023: 9,011 Originations2024: 9,387 Originations202220232024
Loandepot.com, LLC in Texas: applications and originations, 2022–2024

This lender in stateTexas, all lenders

0%15.1%30.1%2022: 22.4% This lender in state2023: 22.9% This lender in state2024: 30.1% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Texas

By purpose

Home purchase 72% (6,802)Home improvement 1% (119)Refinancing 3% (291)Cash-out refinancing 14% (1,356)Other purpose 9% (819)

By type

Conventional 63% (5,946)FHA 27% (2,500)VA 10% (933)USDA 0% (8)

Denial reasons as coded

Debt-to-income ratio35.2%
Collateral18.5%
Other14.6%
Unverifiable information12.2%
Credit application incomplete7.7%
Credit history7.4%
Insufficient cash (downpayment, closing costs)3.4%
Employment history1%
Mortgage insurance denied0%

Share of 4,107 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Texas

CountyApplicationsOriginationsAmountDenial rate
Harris County2,3721,321$378m26.6%
Collin County1,4711,054$352m17.3%
Bexar County1,643853$258m36.3%
Tarrant County1,185675$197m28.0%
Montgomery County952586$171m23.6%
Williamson County759501$176m23.1%
Denton County768464$165m26.5%
Dallas County928408$103m41.5%
Fort Bend County691373$125m28.4%
Travis County566331$113m30.0%
Hays County475289$104m27.2%
Galveston County332198$55m26.2%
Ellis County282146$46m35.1%
Kaufman County236144$39m27.5%
Johnson County274125$37m45.1%
Brazoria County246114$33m39.9%
Guadalupe County173114$32m19.3%
El Paso County231104$16m39.3%
Lubbock County15699$20m17.7%
Liberty County13372$15m33.0%
Chambers County10068$19m20.9%
Bastrop County10665$21m21.4%
Bell County14662$13m42.5%
Comal County11362$19m27.6%
Hunt County11660$16m41.7%
Hidalgo County11749$7.8m41.4%
Parker County9849$14m33.3%
Rockwall County7647$15m22.2%
Waller County8346$15m31.3%
Nueces County8841$6.8m37.9%
Taylor County6133$6.5m31.3%
Atascosa County6932$8.6m47.6%
Cameron County8331$5.5m45.6%
Grayson County6031$5.8m36.7%
Hood County5731$7.2m25.6%
Gregg County4629$5.6m14.7%
Henderson County4827$7.4m31.7%
McLennan County6526$4.5m48.0%
Midland County4726$6.7m25.7%
Smith County5223$5.0m39.5%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Loandepot.com, LLC originate in Texas in 2024?

9,387 loans totalling $2.8bn, from 16,827 applications reported for properties in Texas.

What is Loandepot.com, LLC's denial rate in Texas?

30.1% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 29.1% 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 Loandepot.com, LLC lend in most?

By originations: Harris County (1,321), Collin County (1,054), Bexar County (853), Tarrant County (675), Montgomery County (586).

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.