Lenders › Wells Fargo Bank NA › Texas
Wells Fargo Bank NA 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.
Wells Fargo Bank NA's 2024 HMDA record for Texas covers 7,016 applications, 2,504 of them originated, worth $2.1bn.
Its denial rate in the state was 46.4%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 31.7%.
The median rate spread on its Texas originations was 0.0 percentage points (state median 0.2).
Applications in the state were down 34% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Wells Fargo Bank NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 46.4% | 26.0% | 31.7% | 24.3% |
| Median rate spread, pp | 0.0 | 0.2 | -0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.3% | 11.8% | 2.2% | 15.6% |
| Average originated loan | $833k | $350k | $1.0m | $329k |
| Home purchase share | 59.7% | 72.8% | 66.4% | 57.0% |
| FHA-insured share | 2.1% | 19.8% | 2.3% | 13.4% |
| VA-guaranteed share | 1.8% | 10.4% | 2.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 60% (1,495)Home improvement 2% (61)Refinancing 8% (190)Cash-out refinancing 25% (619)Other purpose 6% (139)
By type
Conventional 96% (2,407)FHA 2% (52)VA 2% (45)
Denial reasons as coded
Share of 2,181 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 | 1,185 | 364 | $264m | 53.5% |
| Tarrant County | 659 | 269 | $148m | 42.6% |
| Dallas County | 695 | 235 | $170m | 48.9% |
| Bexar County | 400 | 132 | $44m | 50.2% |
| Collin County | 318 | 122 | $653m | 35.8% |
| Travis County | 303 | 113 | $109m | 35.8% |
| Fort Bend County | 287 | 101 | $33m | 40.7% |
| Denton County | 265 | 99 | $42m | 41.2% |
| Montgomery County | 196 | 87 | $44m | 34.3% |
| Williamson County | 194 | 71 | $263m | 36.8% |
| El Paso County | 218 | 56 | $11m | 64.3% |
| Galveston County | 93 | 48 | $16m | 31.4% |
| Cameron County | 133 | 37 | $6.0m | 62.2% |
| Hidalgo County | 119 | 37 | $6.9m | 53.8% |
| Brazoria County | 94 | 33 | $8.2m | 40.0% |
| Brazos County | 48 | 25 | $8.5m | 27.8% |
| Nueces County | 80 | 24 | $6.3m | 57.1% |
| Ellis County | 71 | 24 | $13m | 45.5% |
| Hays County | 72 | 23 | $9.6m | 48.9% |
| Bell County | 57 | 22 | $4.0m | 48.9% |
| Johnson County | 54 | 22 | $4.9m | 46.3% |
| Guadalupe County | 54 | 20 | $4.3m | 28.6% |
| Midland County | 52 | 20 | $20m | 42.9% |
| Randall County | 40 | 20 | $4.4m | 28.6% |
| McLennan County | 64 | 19 | $4.5m | 48.6% |
| Jefferson County | 50 | 19 | $2.8m | 50.0% |
| Grayson County | 28 | 18 | $3.6m | — |
| Lubbock County | 66 | 17 | $2.9m | 62.2% |
| Wichita County | 34 | 16 | $2.2m | 42.9% |
| Parker County | 38 | 15 | $4.8m | — |
| Tom Green County | 38 | 13 | $1.6m | 58.1% |
| Rockwall County | 33 | 13 | $6.0m | — |
| Comal County | 31 | 13 | $5.9m | — |
| Webb County | 54 | 12 | $2.1m | 70.0% |
| Kaufman County | 37 | 12 | $3.3m | — |
| Smith County | 32 | 12 | $74m | — |
| Ector County | 30 | 12 | $3.0m | — |
| Waller County | 29 | 6 | $2.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Wells Fargo Bank NA originate in Texas in 2024?
2,504 loans totalling $2.1bn, from 7,016 applications reported for properties in Texas.
What is Wells Fargo Bank NA's denial rate in Texas?
46.4% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 31.7% 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 Wells Fargo Bank NA lend in most?
By originations: Harris County (364), Tarrant County (269), Dallas County (235), Bexar County (132), Collin County (122).
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.