Lenders › M/I Financial. LLC › Texas
M/I Financial. LLC 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.
M/I Financial. LLC's 2024 HMDA record for Texas covers 2,311 applications, 1,888 of them originated, worth $701m.
Its denial rate in the state was 2.7%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 2.9%.
The median rate spread on its Texas originations was -0.6 percentage points (state median 0.2).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | M/I Financial. LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 2.7% | 26.0% | 2.9% | 24.3% |
| Median rate spread, pp | -0.6 | 0.2 | -0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.2% | 11.8% | 0.1% | 15.6% |
| Average originated loan | $371k | $350k | $400k | $329k |
| Home purchase share | 99.9% | 72.8% | 100.0% | 57.0% |
| FHA-insured share | 41.6% | 19.8% | 25.9% | 13.4% |
| VA-guaranteed share | 13.5% | 10.4% | 8.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 100% (1,887)Refinancing 0% (1)
By type
Conventional 45% (847)FHA 42% (785)VA 14% (255)USDA 0% (1)
Denial reasons as coded
Share of 60 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 | 374 | 307 | $99m | 4.0% |
| Collin County | 345 | 294 | $143m | 3.0% |
| Denton County | 281 | 223 | $84m | 2.6% |
| Montgomery County | 216 | 182 | $49m | 3.8% |
| Williamson County | 228 | 176 | $92m | 0.0% |
| Harris County | 148 | 118 | $38m | 4.3% |
| Tarrant County | 103 | 93 | $31m | 2.0% |
| Fort Bend County | 101 | 89 | $27m | 3.0% |
| Travis County | 124 | 88 | $35m | 0.9% |
| Dallas County | 79 | 63 | $21m | 2.7% |
| Galveston County | 71 | 61 | $16m | 1.4% |
| Hays County | 65 | 46 | $19m | 1.8% |
| Guadalupe County | 53 | 46 | $13m | 0.0% |
| Ellis County | 42 | 38 | $14m | 0.0% |
| Hunt County | 35 | 24 | $6.7m | 6.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did M/I Financial. LLC originate in Texas in 2024?
1,888 loans totalling $701m, from 2,311 applications reported for properties in Texas.
What is M/I Financial. LLC's denial rate in Texas?
2.7% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 2.9% 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 M/I Financial. LLC lend in most?
By originations: Bexar County (307), Collin County (294), Denton County (223), Montgomery County (182), Williamson County (176).
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.