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Mortgage Research Center in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
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.
Mortgage Research Center's 2024 HMDA record for Texas covers 12,689 applications, 6,431 of them originated, worth $2.0bn.
Its denial rate in the state was 22.0%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Texas originations was -0.2 percentage points (state median 0.2).
Applications in the state were up 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 22.0% | 26.0% | 24.0% | 24.3% |
| Median rate spread, pp | -0.2 | 0.2 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.4% | 11.8% | 0.8% | 15.6% |
| Average originated loan | $318k | $350k | $315k | $329k |
| Home purchase share | 86.8% | 72.8% | 81.8% | 57.0% |
| FHA-insured share | 2.2% | 19.8% | 2.9% | 13.4% |
| VA-guaranteed share | 95.0% | 10.4% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 87% (5,583)Refinancing 13% (847)Cash-out refinancing 0% (1)
By type
Conventional 3% (179)FHA 2% (140)VA 95% (6,110)USDA 0% (2)
Denial reasons as coded
Share of 1,844 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bexar County | 1,267 | 600 | $192m | 21.0% |
| Bell County | 899 | 530 | $148m | 15.4% |
| Harris County | 1,093 | 490 | $163m | 30.2% |
| El Paso County | 818 | 409 | $108m | 21.9% |
| Tarrant County | 684 | 342 | $121m | 22.3% |
| Dallas County | 339 | 158 | $56m | 25.9% |
| Montgomery County | 355 | 156 | $54m | 30.4% |
| Nueces County | 230 | 135 | $41m | 18.7% |
| Coryell County | 208 | 127 | $33m | 11.6% |
| Hidalgo County | 238 | 116 | $31m | 23.5% |
| Brazoria County | 209 | 112 | $37m | 18.7% |
| Denton County | 263 | 104 | $47m | 27.1% |
| Williamson County | 215 | 102 | $44m | 20.9% |
| Taylor County | 163 | 99 | $24m | 15.4% |
| Collin County | 231 | 98 | $50m | 29.9% |
| Guadalupe County | 208 | 97 | $36m | 20.5% |
| Cameron County | 175 | 97 | $27m | 20.2% |
| Travis County | 187 | 92 | $41m | 30.8% |
| Wichita County | 156 | 92 | $23m | 17.7% |
| Galveston County | 175 | 90 | $29m | 19.8% |
| Fort Bend County | 202 | 78 | $32m | 29.6% |
| Parker County | 129 | 76 | $28m | 19.8% |
| Lubbock County | 127 | 76 | $19m | 16.3% |
| McLennan County | 150 | 75 | $22m | 21.6% |
| Comal County | 150 | 73 | $31m | 23.2% |
| Smith County | 118 | 69 | $21m | 17.9% |
| Johnson County | 124 | 61 | $21m | 18.7% |
| Ellis County | 123 | 61 | $26m | 20.8% |
| Kaufman County | 127 | 59 | $20m | 26.8% |
| Randall County | 98 | 55 | $15m | 16.4% |
| Tom Green County | 97 | 54 | $14m | 21.1% |
| Hays County | 106 | 52 | $21m | 14.8% |
| Jefferson County | 91 | 46 | $12m | 23.0% |
| Bowie County | 90 | 45 | $11m | 26.2% |
| Grayson County | 91 | 43 | $14m | 20.7% |
| Hunt County | 72 | 40 | $13m | 18.0% |
| Ector County | 71 | 40 | $11m | 21.6% |
| Bastrop County | 57 | 37 | $15m | 7.5% |
| Midland County | 54 | 34 | $12m | 14.6% |
| Gregg County | 59 | 33 | $8.5m | 19.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Texas in 2024?
6,431 loans totalling $2.0bn, from 12,689 applications reported for properties in Texas.
What is Mortgage Research Center's denial rate in Texas?
22.0% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 24.0% 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 Mortgage Research Center lend in most?
By originations: Bexar County (600), Bell County (530), Harris County (490), El Paso County (409), Tarrant County (342).
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.