Lenders › Fairway Independent Mort Corp › Texas
Fairway Independent Mort Corp 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.
Fairway Independent Mort Corp's 2024 HMDA record for Texas covers 10,173 applications, 7,403 of them originated, worth $2.6bn.
Its denial rate in the state was 5.5%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 6.0%.
The median rate spread on its Texas originations was 0.4 percentage points (state median 0.2).
Applications in the state were down 28% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Fairway Independent Mort Corp, all states | United States |
|---|---|---|---|---|
| Denial rate | 5.5% | 26.0% | 6.0% | 24.3% |
| Median rate spread, pp | 0.4 | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.9% | 11.8% | 5.0% | 15.6% |
| Average originated loan | $345k | $350k | $319k | $329k |
| Home purchase share | 93.6% | 72.8% | 91.1% | 57.0% |
| FHA-insured share | 27.6% | 19.8% | 22.0% | 13.4% |
| VA-guaranteed share | 15.3% | 10.4% | 8.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 94% (6,932)Home improvement 0% (24)Refinancing 3% (204)Cash-out refinancing 2% (157)Other purpose 1% (86)
By type
Conventional 56% (4,178)FHA 28% (2,046)VA 15% (1,131)USDA 1% (48)
Denial reasons as coded
Share of 435 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bell County | 1,120 | 883 | $267m | 2.9% |
| Harris County | 963 | 636 | $224m | 6.0% |
| Tarrant County | 693 | 513 | $181m | 8.7% |
| Williamson County | 491 | 384 | $164m | 1.8% |
| Denton County | 535 | 383 | $180m | 7.9% |
| Travis County | 506 | 358 | $183m | 3.0% |
| Dallas County | 491 | 325 | $114m | 9.0% |
| Collin County | 404 | 296 | $146m | 9.1% |
| Montgomery County | 299 | 218 | $79m | 6.8% |
| McLennan County | 282 | 199 | $56m | 3.8% |
| Bexar County | 248 | 176 | $58m | 3.7% |
| Brazoria County | 214 | 149 | $39m | 3.8% |
| Maverick County | 180 | 148 | $38m | 2.0% |
| Fort Bend County | 199 | 136 | $52m | 8.5% |
| Johnson County | 166 | 123 | $42m | 8.1% |
| Coryell County | 158 | 121 | $29m | 0.8% |
| Ellis County | 154 | 104 | $42m | 10.1% |
| Cameron County | 116 | 93 | $26m | 3.1% |
| Hays County | 114 | 83 | $38m | 4.5% |
| Galveston County | 124 | 82 | $33m | 2.4% |
| Kaufman County | 116 | 82 | $24m | 5.7% |
| Gregg County | 105 | 81 | $21m | 3.6% |
| Brazos County | 102 | 80 | $26m | 2.4% |
| Val Verde County | 95 | 78 | $18m | 3.7% |
| Parker County | 97 | 74 | $28m | 3.9% |
| Henderson County | 95 | 71 | $17m | 2.7% |
| Wise County | 93 | 71 | $24m | 9.0% |
| Hidalgo County | 84 | 55 | $13m | 4.8% |
| Van Zandt County | 82 | 55 | $13m | 9.8% |
| Lampasas County | 69 | 53 | $16m | 7.0% |
| Jefferson County | 74 | 52 | $12m | 8.8% |
| Smith County | 58 | 46 | $13m | 4.2% |
| Randall County | 58 | 46 | $12m | 2.1% |
| Comal County | 62 | 45 | $19m | 0.0% |
| Hunt County | 58 | 45 | $15m | 4.3% |
| Bowie County | 61 | 41 | $7.7m | 17.6% |
| Rockwall County | 59 | 40 | $18m | 11.1% |
| El Paso County | 57 | 40 | $12m | 2.4% |
| Guadalupe County | 46 | 38 | $13m | 2.6% |
| Orange County | 45 | 38 | $8.9m | 2.6% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Fairway Independent Mort Corp originate in Texas in 2024?
7,403 loans totalling $2.6bn, from 10,173 applications reported for properties in Texas.
What is Fairway Independent Mort Corp's denial rate in Texas?
5.5% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 6.0% 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 Fairway Independent Mort Corp lend in most?
By originations: Bell County (883), Harris County (636), Tarrant County (513), Williamson County (384), Denton County (383).
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.