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Rocket Mortgage 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.
Rocket Mortgage's 2024 HMDA record for Texas covers 34,653 applications, 24,479 of them originated, worth $7.1bn.
Its denial rate in the state was 20.5%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 18.2%.
The median rate spread on its Texas originations was 0.4 percentage points (state median 0.2).
Applications in the state were up 22% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Rocket Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 20.5% | 26.0% | 18.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.2 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.7% | 11.8% | 17.8% | 15.6% |
| Average originated loan | $289k | $350k | $270k | $329k |
| Home purchase share | 49.4% | 72.8% | 38.0% | 57.0% |
| FHA-insured share | 10.1% | 19.8% | 18.5% | 13.4% |
| VA-guaranteed share | 4.8% | 10.4% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 49% (12,089)Home improvement 1% (299)Refinancing 10% (2,410)Cash-out refinancing 33% (8,141)Other purpose 6% (1,540)
By type
Conventional 85% (20,847)FHA 10% (2,464)VA 5% (1,168)
Denial reasons as coded
Share of 6,460 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 5,164 | 3,677 | $997m | 20.4% |
| Tarrant County | 2,773 | 2,021 | $566m | 18.2% |
| Dallas County | 2,527 | 1,742 | $535m | 22.6% |
| Bexar County | 2,027 | 1,418 | $372m | 21.2% |
| Collin County | 1,874 | 1,355 | $549m | 17.6% |
| Denton County | 1,620 | 1,215 | $468m | 14.9% |
| Fort Bend County | 1,295 | 888 | $283m | 22.2% |
| Montgomery County | 1,093 | 816 | $252m | 17.5% |
| Travis County | 1,069 | 766 | $307m | 18.4% |
| El Paso County | 847 | 578 | $120m | 23.3% |
| Williamson County | 802 | 556 | $197m | 19.4% |
| Galveston County | 586 | 410 | $114m | 20.5% |
| Hidalgo County | 569 | 382 | $80m | 25.5% |
| Brazoria County | 521 | 370 | $108m | 19.9% |
| Bell County | 491 | 335 | $77m | 22.7% |
| Smith County | 394 | 303 | $79m | 14.0% |
| Ellis County | 391 | 289 | $88m | 17.3% |
| Parker County | 371 | 287 | $99m | 17.5% |
| Nueces County | 333 | 236 | $58m | 20.9% |
| Kaufman County | 328 | 223 | $63m | 23.6% |
| Cameron County | 344 | 215 | $48m | 30.4% |
| Johnson County | 297 | 209 | $61m | 20.7% |
| Comal County | 288 | 207 | $72m | 18.7% |
| McLennan County | 287 | 207 | $49m | 21.3% |
| Lubbock County | 300 | 197 | $43m | 24.4% |
| Guadalupe County | 251 | 190 | $54m | 17.2% |
| Hays County | 264 | 180 | $68m | 20.3% |
| Grayson County | 238 | 179 | $44m | 17.7% |
| Midland County | 225 | 173 | $54m | 12.9% |
| Rockwall County | 207 | 139 | $48m | 18.1% |
| Jefferson County | 192 | 122 | $25m | 22.8% |
| Brazos County | 159 | 122 | $34m | 12.7% |
| Hunt County | 176 | 120 | $29m | 25.3% |
| Randall County | 164 | 120 | $27m | 18.4% |
| Ector County | 163 | 112 | $26m | 22.2% |
| Tom Green County | 148 | 109 | $24m | 13.7% |
| Hood County | 139 | 103 | $32m | 17.3% |
| Webb County | 139 | 98 | $23m | 21.9% |
| Henderson County | 145 | 96 | $23m | 26.5% |
| Gregg County | 119 | 91 | $19m | 19.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Rocket Mortgage originate in Texas in 2024?
24,479 loans totalling $7.1bn, from 34,653 applications reported for properties in Texas.
What is Rocket Mortgage's denial rate in Texas?
20.5% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 18.2% 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 Rocket Mortgage lend in most?
By originations: Harris County (3,677), Tarrant County (2,021), Dallas County (1,742), Bexar County (1,418), Collin County (1,355).
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.