States › Texas
Texas mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Texas, with all 253 counties.
Lenders, 25+ applications 826
Households 10,992,816
Population 31,290,831
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. Record year 2024.
Texas had 906,424 HMDA-reported mortgage applications and 494,656 originations ($173bn) in 2024, from 826 lenders with at least 25 applications in the state.
The statewide denial rate was 26.0% (national 24.3%) and the median rate spread 0.2 percentage points (national 0.3). Originations ran at 45.0 per 1,000 households, against 48.0 nationally.
Originations in the state went from 546,030 in 2018 to 494,656 in 2024; the denial rate moved from 24.7% to 26.0%.
The most active lenders by originations were United Wholesale Mortgage (34,808), Rocket Mortgage (24,479) and DHI Mortgage Company, LTD. (18,498).
906,424applications, 2024
494,656loans originated$173bn
26.0%denial rateUS 24.3%
45.0originations per 1,000 householdsUS 48.0
Most active lenders in Texas
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 46,252 | 34,808 | $13bn | 12.2% | 0.1 |
| 2 | Rocket Mortgage | 34,653 | 24,479 | $7.1bn | 20.5% | 0.4 |
| 3 | DHI Mortgage Company, LTD. | 25,200 | 18,498 | $5.7bn | 11.1% | -1.2 |
| 4 | Lennar Mortgage, LLC | 20,280 | 14,937 | $3.7bn | 18.6% | -1.4 |
| 5 | JPMorgan Chase Bank, NA | 16,430 | 10,296 | $4.4bn | 12.5% | 0.0 |
| 6 | CMG Mortgage Inc | 14,438 | 9,763 | $3.3bn | 4.0% | 0.2 |
| 7 | Loandepot.com, LLC | 16,827 | 9,387 | $2.8bn | 30.1% | 0.1 |
| 8 | Fairway Independent Mort Corp | 10,173 | 7,403 | $2.6bn | 5.5% | 0.4 |
| 9 | Randolph-Brooks Federal Credit Union | 13,440 | 6,955 | $1.1bn | 16.4% | 0.4 |
| 10 | Frost Bank | 17,360 | 6,691 | $1.3bn | 45.8% | 1.0 |
| 11 | 21st Mortgage | 38,176 | 6,593 | $806m | 71.2% | 4.0 |
| 12 | Guild Mortgage Company | 9,505 | 6,531 | $1.9bn | 4.3% | 0.5 |
| 13 | Mortgage Research Center | 12,689 | 6,431 | $2.0bn | 22.0% | -0.2 |
| 14 | Primelending | 8,677 | 6,360 | $2.4bn | 6.3% | 0.1 |
| 15 | Bank of America NA | 19,665 | 6,245 | $1.7bn | 58.0% | 1.3 |
| 16 | Crosscountry Mortgage, LLC | 9,575 | 6,057 | $2.2bn | 3.5% | 0.5 |
| 17 | Pennymac Loan Services LLC | 10,605 | 4,909 | $1.7bn | 23.7% | 0.2 |
| 18 | Ark-La-Tex Financial Services LLC | 6,378 | 4,847 | $1.6bn | 3.5% | 0.0 |
| 19 | Freedom Mortgage Corporation | 8,902 | 4,746 | $1.7bn | 10.0% | -0.1 |
| 20 | Navy Federal Credit Union | 12,187 | 4,355 | $1.1bn | 43.3% | 0.1 |
| 21 | First Financial Bank | 5,257 | 3,940 | $1.1bn | 12.6% | 0.5 |
| 22 | Pulte Mortgage LLC | 5,427 | 3,890 | $1.4bn | 14.2% | -1.0 |
| 23 | Guaranteed Rate, Inc. | 6,184 | 3,724 | $1.4bn | 9.2% | 0.3 |
| 24 | Everett Financial, Inc. | 4,578 | 3,594 | $1.3bn | 5.1% | 0.6 |
| 25 | Sfmc, LP | 4,784 | 3,423 | $1.2bn | 5.9% | 0.4 |
| 26 | New American Funding, LLC. | 8,244 | 3,373 | $939m | 21.5% | 0.6 |
| 27 | First United Bank and Trust Co | 4,656 | 3,125 | $1.6bn | 7.4% | 0.3 |
| 28 | Cornerstone Capital Bank, Ssb | 3,972 | 3,114 | $1.3bn | 2.7% | 0.0 |
| 29 | Provident Funding Associates | 5,044 | 3,060 | $1.3bn | 9.0% | -0.2 |
| 30 | Cardinal Financial Company, Li | 4,051 | 3,028 | $834m | 8.5% | 0.5 |
| 31 | Kbhs Home Loans, LLC | 4,144 | 3,026 | $940m | 7.8% | -0.2 |
| 32 | Cadence Bank | 4,561 | 3,003 | $1.5bn | 19.1% | 0.2 |
| 33 | Lower, LLC | 4,520 | 2,963 | $1.1bn | 7.1% | 0.4 |
| 34 | PNC Bank N.A. | 8,258 | 2,948 | $1.1bn | 53.2% | 1.1 |
| 35 | Flagstar Bank NA | 4,362 | 2,882 | $891m | 25.6% | 0.3 |
| 36 | Highlands Residential Mortgage, Ltd. | 3,886 | 2,791 | $986m | 2.2% | 0.5 |
| 37 | Newrez LLC | 9,109 | 2,783 | $863m | 44.5% | 0.4 |
| 38 | Velocio Mortgage, L.L.C. | 3,230 | 2,690 | $900m | 4.6% | -0.9 |
| 39 | Nationstar Mortgage | 3,930 | 2,547 | $705m | 15.3% | 0.6 |
| 40 | Gateway First Bank | 3,597 | 2,533 | $652m | 7.6% | 0.5 |
| 41 | Taylor Morrison Home Funding, Inc. | 2,980 | 2,521 | $1.1bn | 7.0% | -0.8 |
| 42 | Wells Fargo Bank NA | 7,016 | 2,504 | $2.1bn | 46.4% | 0.0 |
| 43 | Credit Union of Texas | 4,732 | 2,477 | $305m | 34.7% | 0.0 |
| 44 | Security Service | 5,613 | 2,448 | $448m | 37.8% | 0.1 |
| 45 | Discover Bank | 19,814 | 2,337 | $235m | 83.7% | 1.9 |
| 46 | Nations Reliable Lending, LLC | 3,512 | 2,315 | $685m | 4.6% | 0.6 |
| 47 | Paramount Residential Mortgage | 3,111 | 2,272 | $855m | 2.9% | 0.3 |
| 48 | Prosperity Bank | 5,075 | 2,258 | $1.0bn | 35.8% | 0.4 |
| 49 | Movement Mortgage, LLC | 3,288 | 2,246 | $653m | 6.5% | 0.4 |
| 50 | Vanderbilt Mortgage and Finance, Inc | 16,627 | 2,199 | $263m | 76.8% | 4.1 |
| 51 | Network Funding, L.P. | 3,732 | 2,123 | $729m | 16.3% | 0.4 |
| 52 | American Portfolio Mortgage Corporation | 2,927 | 2,093 | $693m | 10.1% | 0.6 |
| 53 | Kind Lending, LLC | 3,400 | 2,085 | $723m | 28.4% | 0.3 |
| 54 | The Loan Store, Inc | 3,144 | 1,891 | $619m | 14.5% | 0.4 |
| 55 | M/I Financial. LLC | 2,311 | 1,888 | $701m | 2.7% | -0.6 |
| 56 | Zions Bancorporation, N.A. | 4,061 | 1,786 | $587m | 41.3% | -1.1 |
| 57 | Amarillo National Bank | 2,643 | 1,743 | $334m | 13.7% | 0.3 |
| 58 | Mortgage Financial Services | 2,661 | 1,718 | $500m | 3.4% | 0.5 |
| 59 | Us Bank, N.A. | 3,358 | 1,711 | $895m | 33.0% | -0.1 |
| 60 | Click n' Close, Inc. | 2,745 | 1,657 | $444m | 3.4% | 2.7 |
Top 60 of 826 lenders with at least 25 applications in the state, by originations. 558 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Texas | United States |
|---|---|---|
| Denial rate | 26.0% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.8% | 15.6% |
| Average originated loan | $350k | $329k |
| Originations per 1,000 households | 45.0 | 48.0 |
| Home purchase share of originations | 72.8% | 57.0% |
| FHA-insured share | 19.8% | 13.4% |
| VA-guaranteed share | 10.4% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
TexasUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 951,920 | 546,030 | $138bn | 24.7% | 15.5% | 8.4% | 23.3% |
| 2019 | 1,090,437 | 631,905 | $169bn | 22.6% | 16.2% | 10.3% | 29.9% |
| 2020 | 1,690,354 | 1,010,721 | $278bn | 18.5% | 14.6% | 11.9% | 51.5% |
| 2021 | 1,749,372 | 1,043,154 | $309bn | 18.4% | 13.1% | 10.0% | 50.3% |
| 2022 | 1,197,447 | 644,513 | $231bn | 24.6% | 12.5% | 7.9% | 26.9% |
| 2023 | 884,516 | 465,400 | $158bn | 27.9% | 18.4% | 9.0% | 14.2% |
| 2024 | 906,424 | 494,656 | $173bn | 26.0% | 19.8% | 10.4% | 18.2% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 73% (360,296)Home improvement 4% (19,075)Refinancing 8% (40,917)Cash-out refinancing 10% (49,132)Other purpose 5% (25,024)
By type
Conventional 69% (342,927)FHA 20% (97,781)VA 10% (51,658)USDA 0% (2,290)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Harris County | 111,303 | 58,870 | 33.5 | 28.1% | 0.3 | 322 |
| Bexar County | 64,696 | 35,401 | 47.1 | 25.3% | -0.1 | 211 |
| Tarrant County | 58,338 | 33,668 | 43.0 | 24.0% | 0.3 | 229 |
| Dallas County | 56,301 | 29,667 | 30.2 | 27.5% | 0.3 | 252 |
| Collin County | 47,802 | 28,814 | 69.2 | 19.7% | 0.1 | 206 |
| Denton County | 40,326 | 24,357 | 67.6 | 19.9% | 0.1 | 183 |
| Travis County | 34,062 | 19,709 | 33.8 | 21.2% | 0.1 | 191 |
| Montgomery County | 32,756 | 18,487 | 74.7 | 24.9% | 0.1 | 172 |
| Fort Bend County | 30,303 | 16,609 | 56.7 | 26.2% | 0.1 | 176 |
| Williamson County | 26,410 | 16,314 | 64.7 | 18.3% | -0.0 | 152 |
| El Paso County | 22,614 | 11,958 | 39.9 | 26.3% | 0.3 | 96 |
| Bell County | 14,589 | 8,496 | 59.7 | 22.0% | -0.0 | 89 |
| Hidalgo County | 15,963 | 7,611 | 28.2 | 32.6% | 0.5 | 82 |
| Galveston County | 12,920 | 7,523 | 53.5 | 21.9% | 0.2 | 94 |
| Hays County | 11,793 | 7,354 | 73.7 | 19.3% | -0.2 | 76 |
| Brazoria County | 13,374 | 6,862 | 51.2 | 28.2% | 0.3 | 102 |
| Kaufman County | 10,376 | 6,125 | 120.1 | 22.8% | -0.1 | 78 |
| Lubbock County | 9,280 | 5,755 | 45.6 | 19.7% | 0.3 | 58 |
| Ellis County | 10,002 | 5,687 | 79.3 | 24.5% | 0.2 | 85 |
| Comal County | 9,206 | 5,635 | 79.0 | 18.7% | -0.1 | 68 |
| Guadalupe County | 9,250 | 5,604 | 85.7 | 20.2% | -0.3 | 65 |
| Nueces County | 9,784 | 5,304 | 40.4 | 26.7% | 0.3 | 63 |
| Johnson County | 8,674 | 4,912 | 75.0 | 23.4% | 0.3 | 68 |
| Parker County | 7,987 | 4,617 | 81.8 | 24.4% | 0.3 | 64 |
| Cameron County | 7,956 | 4,063 | 29.3 | 30.2% | 0.5 | 70 |
| McLennan County | 7,057 | 4,028 | 41.4 | 23.5% | 0.4 | 57 |
| Smith County | 7,552 | 3,946 | 47.5 | 29.9% | 0.5 | 60 |
| Midland County | 6,903 | 3,884 | 57.4 | 25.4% | 0.5 | 49 |
| Grayson County | 6,770 | 3,769 | 68.2 | 24.0% | 0.4 | 57 |
| Rockwall County | 6,030 | 3,627 | 88.0 | 20.7% | 0.1 | 55 |
| Brazos County | 5,560 | 3,341 | 36.7 | 22.4% | 0.2 | 49 |
| Randall County | 5,177 | 3,209 | 56.5 | 17.9% | 0.4 | 40 |
| Ector County | 6,553 | 2,962 | 45.9 | 37.7% | 0.7 | 41 |
| Hunt County | 5,131 | 2,873 | 74.7 | 25.5% | 0.2 | 42 |
| Jefferson County | 4,755 | 2,743 | 28.9 | 24.2% | 0.5 | 45 |
| Taylor County | 4,440 | 2,740 | 49.9 | 19.2% | 0.3 | 36 |
| Webb County | 4,899 | 2,599 | 31.9 | 28.8% | 0.4 | 47 |
| Bastrop County | 4,424 | 2,262 | 61.4 | 29.4% | 0.1 | 34 |
| Waller County | 4,251 | 2,183 | 119.0 | 28.2% | 0.1 | 41 |
| Wise County | 3,918 | 2,183 | 86.9 | 26.3% | 0.3 | 39 |
| Wichita County | 3,099 | 2,066 | 42.1 | 15.0% | 0.2 | 26 |
| Liberty County | 5,764 | 1,931 | 61.9 | 50.5% | 0.9 | 33 |
| Tom Green County | 2,972 | 1,906 | 40.8 | 17.6% | 0.5 | 27 |
| Gregg County | 3,172 | 1,743 | 36.1 | 27.0% | 0.6 | 26 |
| Hood County | 2,916 | 1,640 | 64.3 | 23.8% | 0.4 | 29 |
| Henderson County | 3,505 | 1,634 | 48.7 | 34.6% | 0.6 | 28 |
| Potter County | 2,890 | 1,428 | 33.5 | 29.0% | 0.6 | 26 |
| Bowie County | 2,541 | 1,330 | 37.9 | 30.8% | 0.6 | 25 |
| Chambers County | 2,355 | 1,329 | 77.1 | 25.5% | 0.2 | 20 |
| Coryell County | 2,354 | 1,329 | 49.2 | 23.3% | -0.0 | 23 |
| Medina County | 2,623 | 1,307 | 73.4 | 29.2% | 0.0 | 22 |
| Burnet County | 2,246 | 1,272 | 60.7 | 24.2% | 0.3 | 23 |
| Orange County | 2,342 | 1,234 | 38.0 | 28.8% | 0.5 | 23 |
| Kendall County | 2,018 | 1,208 | 68.1 | 19.5% | 0.0 | 18 |
| San Patricio County | 2,213 | 1,145 | 45.2 | 26.0% | 0.4 | 25 |
| Wilson County | 2,140 | 1,135 | 62.4 | 24.9% | 0.2 | 16 |
| Caldwell County | 2,149 | 1,091 | 65.5 | 30.0% | -0.3 | 10 |
| Victoria County | 2,190 | 1,044 | 30.0 | 32.2% | 0.4 | 17 |
| Van Zandt County | 2,136 | 1,017 | 44.8 | 33.6% | 0.7 | 16 |
| Angelina County | 2,095 | 972 | 30.1 | 34.2% | 0.7 | 18 |
| Harrison County | 2,037 | 964 | 36.7 | 34.2% | 0.7 | 18 |
| Hardin County | 2,269 | 950 | 42.8 | 39.6% | 0.5 | 22 |
| Wood County | 1,633 | 856 | 45.8 | 27.6% | 0.5 | 9 |
| Navarro County | 1,770 | 827 | 43.4 | 35.2% | 0.7 | 12 |
| Atascosa County | 1,988 | 819 | 48.8 | 40.6% | 0.4 | 13 |
| Cooke County | 1,406 | 770 | 46.6 | 22.7% | 0.4 | 10 |
| Upshur County | 1,478 | 750 | 48.1 | 30.7% | 0.7 | 16 |
| Walker County | 1,600 | 747 | 28.7 | 32.9% | 0.4 | 13 |
| Fannin County | 1,458 | 732 | 57.3 | 29.0% | 0.5 | 10 |
| Kerr County | 1,309 | 711 | 31.4 | 24.5% | 0.3 | 12 |
| Nacogdoches County | 1,423 | 676 | 26.7 | 33.2% | 0.5 | 12 |
| Rusk County | 1,508 | 673 | 37.3 | 36.7% | 0.7 | 14 |
| Grimes County | 1,357 | 646 | 63.0 | 34.7% | 0.3 | 11 |
| Cherokee County | 1,523 | 645 | 35.5 | 40.1% | 0.8 | 10 |
| Hill County | 1,351 | 611 | 44.4 | 34.4% | 0.7 | 9 |
| Polk County | 1,518 | 610 | 31.3 | 39.8% | 0.8 | 9 |
| Erath County | 1,012 | 583 | 34.7 | 22.5% | 0.6 | 10 |
| Austin County | 1,163 | 567 | 46.8 | 30.1% | 0.3 | 12 |
| Palo Pinto County | 1,073 | 557 | 49.6 | 25.2% | 0.7 | 6 |
| Aransas County | 1,226 | 556 | 44.6 | 32.5% | 0.4 | 12 |
| Anderson County | 1,373 | 551 | 31.3 | 40.9% | 0.9 | 12 |
| Lampasas County | 915 | 543 | 64.7 | 21.8% | 0.1 | 10 |
| Lamar County | 997 | 539 | 26.9 | 24.1% | 0.6 | 12 |
| Washington County | 1,123 | 535 | 34.6 | 34.9% | 0.4 | 10 |
| Val Verde County | 916 | 513 | 30.5 | 27.5% | 0.5 | 8 |
| Hopkins County | 1,066 | 512 | 36.6 | 31.1% | 0.6 | 8 |
| Gillespie County | 913 | 507 | 44.0 | 26.5% | 0.2 | 7 |
| Llano County | 839 | 480 | 44.6 | 22.2% | 0.4 | 4 |
| Jasper County | 1,201 | 457 | 33.0 | 42.0% | 0.8 | 8 |
| San Jacinto County | 1,218 | 440 | 40.4 | 44.0% | 0.9 | 8 |
| Maverick County | 785 | 423 | 23.4 | 29.7% | 0.8 | 7 |
| Brown County | 793 | 406 | 27.1 | 28.4% | 0.6 | 5 |
| Cass County | 832 | 394 | 33.4 | 34.9% | 0.8 | 6 |
| Matagorda County | 863 | 391 | 25.3 | 31.6% | 0.7 | 8 |
| Montague County | 644 | 385 | 45.1 | 22.9% | 0.5 | 4 |
| Bandera County | 830 | 373 | 40.3 | 33.2% | 0.4 | 5 |
| Gaines County | 825 | 373 | 53.8 | 38.1% | 0.8 | 7 |
| Howard County | 690 | 372 | 30.5 | 29.0% | 0.7 | 5 |
| Titus County | 658 | 370 | 33.2 | 25.9% | 0.6 | 6 |
| Wharton County | 815 | 364 | 22.9 | 37.5% | 0.6 | 6 |
| Burleson County | 857 | 354 | 44.8 | 40.1% | 0.6 | 7 |
| Jim Wells County | 814 | 333 | 25.1 | 40.6% | 0.8 | 5 |
| Milam County | 736 | 328 | 32.3 | 32.2% | 0.5 | 7 |
| Andrews County | 642 | 310 | 45.3 | 34.5% | 0.8 | 5 |
| Fayette County | 594 | 303 | 29.1 | 30.0% | 0.6 | 3 |
| Hockley County | 806 | 297 | 37.5 | 43.9% | 0.5 | 5 |
| Kleberg County | 554 | 290 | 24.5 | 26.8% | 0.4 | 5 |
| Freestone County | 736 | 281 | 39.6 | 41.4% | 1.0 | 5 |
| Bosque County | 509 | 280 | 37.4 | 26.4% | 0.6 | 3 |
| Callahan County | 540 | 279 | 53.3 | 28.8% | 0.6 | 2 |
| Hutchinson County | 596 | 279 | 39.9 | 27.5% | 0.6 | 6 |
| Blanco County | 523 | 273 | 52.8 | 22.6% | 0.3 | 2 |
| Limestone County | 619 | 261 | 31.1 | 37.2% | 0.9 | 5 |
| Moore County | 533 | 253 | 35.4 | 29.7% | 0.7 | 5 |
| Tyler County | 736 | 252 | 35.3 | 47.7% | 0.9 | 5 |
| Panola County | 645 | 246 | 27.6 | 44.0% | 0.7 | 7 |
| Hale County | 527 | 241 | 21.9 | 38.7% | 0.6 | 2 |
| Eastland County | 498 | 237 | 32.8 | 31.9% | 0.9 | 3 |
| Bee County | 544 | 236 | 26.8 | 36.0% | 0.8 | 3 |
| Calhoun County | 494 | 235 | 27.1 | 30.2% | 0.6 | 4 |
| Leon County | 633 | 233 | 34.6 | 45.0% | 0.8 | 4 |
| Colorado County | 562 | 231 | 29.1 | 39.8% | 0.8 | 4 |
| Gray County | 425 | 231 | 28.9 | 27.5% | 0.6 | 3 |
| Robertson County | 530 | 230 | 34.3 | 38.3% | 0.6 | 4 |
| Jones County | 516 | 227 | 38.4 | 36.4% | 0.9 | 3 |
| Lavaca County | 474 | 223 | 26.3 | 31.9% | 0.8 | 3 |
| Uvalde County | 427 | 222 | 26.4 | 26.2% | 0.5 | 3 |
| Starr County | 595 | 221 | 11.5 | 41.5% | 0.6 | 5 |
| Franklin County | 391 | 219 | 56.2 | 25.5% | 0.6 | 1 |
| Houston County | 573 | 219 | 27.4 | 45.0% | 0.8 | 5 |
| Lee County | 512 | 216 | 30.9 | 37.9% | 0.5 | 5 |
| Camp County | 428 | 211 | 43.8 | 32.8% | 0.6 | 3 |
| Rains County | 443 | 207 | 42.6 | 33.3% | 0.6 | 2 |
| Trinity County | 559 | 202 | 33.2 | 41.5% | 1.0 | 3 |
| DeWitt County | 417 | 198 | 28.6 | 34.3% | 0.6 | 3 |
| Gonzales County | 503 | 195 | 24.6 | 39.7% | 0.8 | 4 |
| Young County | 395 | 194 | 25.4 | 33.0% | 0.7 | 2 |
| Morris County | 375 | 191 | 39.0 | 25.5% | 0.9 | 1 |
| Somervell County | 325 | 181 | 48.7 | 26.3% | 0.6 | 2 |
| Shelby County | 537 | 177 | 18.9 | 47.9% | 1.0 | 3 |
| Clay County | 273 | 173 | 40.3 | 18.8% | 0.4 | 0 |
| Comanche County | 369 | 171 | 31.9 | 29.2% | 0.7 | 3 |
| Deaf Smith County | 354 | 170 | 28.1 | 34.6% | 0.8 | 4 |
| Ward County | 363 | 168 | 38.3 | 32.1% | 0.7 | 2 |
| Jackson County | 377 | 165 | 27.4 | 33.8% | 0.7 | 2 |
| Falls County | 459 | 158 | 24.9 | 45.5% | 0.5 | 2 |
| Sabine County | 415 | 157 | 33.8 | 40.7% | 1.0 | 3 |
| Scurry County | 352 | 154 | 26.2 | 37.3% | 0.8 | 1 |
| Archer County | 240 | 153 | 44.1 | 17.7% | 0.4 | 2 |
| Wilbarger County | 231 | 149 | 31.2 | 22.2% | 0.6 | 2 |
| Nolan County | 298 | 146 | 24.8 | 33.2% | 1.1 | 2 |
| Pecos County | 344 | 145 | 27.7 | 39.7% | 1.2 | 3 |
| Newton County | 397 | 134 | 27.7 | 48.9% | 1.3 | 2 |
| Madison County | 332 | 130 | 30.8 | 44.8% | 0.7 | 3 |
| Reeves County | 312 | 124 | 29.4 | 39.7% | 0.8 | 2 |
| Live Oak County | 260 | 122 | 28.0 | 29.3% | 0.5 | 1 |
| Marion County | 331 | 121 | 28.8 | 45.1% | 1.1 | 2 |
| Carson County | 234 | 118 | 51.5 | 26.2% | 0.8 | 2 |
| Frio County | 369 | 117 | 21.5 | 47.7% | 1.0 | 2 |
| Jack County | 210 | 111 | 37.2 | 27.9% | 0.7 | 1 |
| Red River County | 274 | 111 | 22.3 | 38.2% | 0.9 | 2 |
| Lamb County | 211 | 105 | 22.5 | 35.1% | 0.5 | 1 |
| Lynn County | 222 | 104 | 49.5 | 33.5% | 0.5 | 1 |
| Stephens County | 211 | 104 | 28.7 | 31.1% | 0.5 | 1 |
| Karnes County | 243 | 98 | 20.7 | 38.2% | 1.3 | 1 |
| Hamilton County | 192 | 92 | 29.5 | 27.5% | 0.6 | 0 |
| Martin County | 253 | 88 | 44.6 | 44.9% | 1.8 | 1 |
| Runnels County | 183 | 84 | 22.1 | 29.0% | 0.8 | 0 |
| Willacy County | 218 | 83 | 14.6 | 44.0% | 0.7 | 1 |
| Brewster County | 148 | 82 | 16.6 | 25.0% | 0.6 | 1 |
| Dawson County | 146 | 82 | 20.3 | 24.1% | 0.7 | 0 |
| Terry County | 199 | 79 | 18.4 | 44.8% | 0.7 | 1 |
| Goliad County | 211 | 74 | 26.3 | 44.8% | 0.8 | 1 |
| Zapata County | 185 | 74 | 16.2 | 40.1% | 1.0 | 2 |
| San Augustine County | 207 | 70 | 23.8 | 47.3% | 1.3 | 2 |
| Yoakum County | 174 | 69 | 26.4 | 38.8% | 0.7 | 1 |
| Dallam County | 151 | 66 | 25.5 | 43.1% | 1.0 | 0 |
| McCulloch County | 152 | 66 | 20.0 | 36.8% | 0.8 | 0 |
| Coleman County | 184 | 65 | 19.4 | 40.7% | 0.9 | 1 |
| Parmer County | 125 | 65 | 20.1 | 33.6% | 0.8 | 0 |
| Delta County | 142 | 61 | 28.1 | 38.0% | 0.6 | 0 |
| Crane County | 140 | 59 | 36.2 | 38.2% | 1.3 | 1 |
| Childress County | 93 | 58 | 31.6 | 27.9% | 0.5 | 0 |
| Hartley County | 112 | 58 | 35.5 | 31.2% | 0.8 | 0 |
| Winkler County | 138 | 58 | 21.0 | 36.9% | 1.0 | 1 |
| Refugio County | 184 | 57 | 22.8 | 50.7% | 0.7 | 1 |
| Crosby County | 127 | 54 | 28.0 | 34.0% | 0.9 | 0 |
| Mitchell County | 123 | 54 | 19.6 | 37.2% | 1.0 | 1 |
| Ochiltree County | 111 | 54 | 14.7 | 36.0% | 0.6 | 0 |
| Dimmit County | 151 | 53 | 17.7 | 43.2% | 1.0 | 1 |
| Castro County | 113 | 52 | 21.5 | 29.9% | 0.6 | 0 |
| Shackelford County | 91 | 49 | 37.9 | 27.1% | 0.6 | 0 |
| Swisher County | 111 | 49 | 20.6 | 35.3% | 0.5 | 0 |
| Kinney County | 82 | 48 | 41.7 | 26.8% | 0.5 | 0 |
| Mills County | 98 | 48 | 26.7 | 34.2% | 0.4 | 0 |
| Garza County | 92 | 44 | 30.1 | 44.4% | 0.8 | 0 |
| Donley County | 92 | 42 | 35.6 | 39.5% | 0.8 | 0 |
| Wheeler County | 96 | 42 | 21.8 | 40.0% | 0.9 | 0 |
| Coke County | 85 | 40 | 25.1 | 28.6% | 0.9 | 0 |
| Duval County | 138 | 40 | 13.1 | 48.5% | 1.2 | 1 |
| Hardeman County | 79 | 40 | 32.5 | 32.3% | — | 0 |
| Haskell County | 82 | 40 | 18.8 | 33.9% | 0.8 | 0 |
| Floyd County | 88 | 38 | 19.5 | 45.2% | 1.1 | 0 |
| Sutton County | 67 | 37 | 29.1 | 30.5% | 0.9 | 0 |
| Armstrong County | 52 | 34 | 44.3 | 10.0% | 1.0 | 0 |
| Bailey County | 65 | 34 | 15.4 | 35.2% | 0.6 | 0 |
| Presidio County | 73 | 33 | 13.6 | 45.3% | 0.4 | 0 |
| San Saba County | 77 | 33 | 15.8 | 32.1% | 0.7 | 0 |
| Baylor County | 63 | 32 | 20.9 | 30.0% | 0.7 | 0 |
| La Salle County | 110 | 32 | 19.4 | 48.7% | 1.2 | 1 |
| Zavala County | 108 | 32 | 9.8 | 49.4% | 1.5 | 1 |
| Fisher County | 66 | 31 | 19.8 | 39.6% | 1.1 | 0 |
| Knox County | 66 | 30 | 24.1 | 36.5% | 0.6 | 0 |
| Concho County | 48 | 29 | 35.6 | 26.2% | — | 0 |
| Kimble County | 88 | 28 | 13.7 | 48.3% | 0.7 | 0 |
| Real County | 79 | 28 | 24.8 | 41.2% | — | 0 |
| Upton County | 74 | 28 | 20.6 | 37.7% | 1.0 | 0 |
| Hansford County | 42 | 26 | 14.0 | 28.9% | 0.3 | 0 |
| Hemphill County | 45 | 25 | 16.9 | 22.2% | — | 0 |
| Sherman County | 46 | 23 | 27.3 | 20.6% | — | 0 |
| Mason County | 50 | 22 | 12.9 | 33.3% | — | 0 |
| Collingsworth County | 48 | 21 | 21.5 | 42.5% | — | 0 |
| Oldham County | 41 | 21 | 34.2 | 24.2% | — | 0 |
| Reagan County | 59 | 21 | 20.3 | 33.3% | — | 0 |
| Hudspeth County | 72 | 19 | 22.6 | 52.9% | — | 1 |
| Crockett County | 27 | 18 | 14.7 | — | — | 0 |
| Jeff Davis County | 39 | 18 | 18.6 | 34.4% | — | 0 |
| Schleicher County | 42 | 17 | 17.6 | 39.5% | — | 0 |
| Culberson County | 41 | 16 | 18.4 | — | — | 0 |
| Irion County | 33 | 14 | 23.8 | 42.3% | — | 0 |
| Jim Hogg County | 51 | 14 | 10.9 | 61.5% | — | 0 |
| Dickens County | 32 | 13 | 17.9 | — | — | 0 |
| Throckmorton County | 34 | 13 | 17.6 | 48.0% | — | 0 |
| Lipscomb County | 35 | 12 | 11.7 | 55.2% | — | 0 |
| Briscoe County | 18 | 11 | 19.9 | — | — | 0 |
| Brooks County | 39 | 11 | 3.7 | 58.6% | — | 0 |
| Hall County | 31 | 11 | 9.4 | — | — | 0 |
| Menard County | 43 | 11 | 11.7 | 54.5% | — | 0 |
| Edwards County | 22 | 10 | 24.8 | — | — | 0 |
| Terrell County | 15 | 9 | 20.0 | — | — | 0 |
| Sterling County | 19 | 8 | 20.1 | — | — | 0 |
| Stonewall County | 29 | 7 | 13.6 | — | — | 0 |
| Cochran County | 34 | 6 | 6.5 | — | — | 0 |
| Cottle County | 10 | 6 | 10.4 | — | — | 0 |
| Foard County | 15 | 6 | 13.7 | — | — | 0 |
| Glasscock County | 20 | 6 | 13.0 | — | — | 0 |
| Kent County | 14 | 6 | 19.5 | — | — | 0 |
| Motley County | 11 | 6 | 13.0 | — | — | 0 |
| Borden County | 9 | 4 | 16.5 | — | — | 0 |
| Roberts County | 10 | 4 | 12.4 | — | — | 0 |
| McMullen County | 6 | 3 | 14.5 | — | — | 0 |
| Loving County | 2 | 2 | 74.1 | — | — | 0 |
| Kenedy County | 1 | 0 | 0.0 | — | — | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Texas originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Texas?
By 2024 originations: United Wholesale Mortgage (34,808), Rocket Mortgage (24,479), DHI Mortgage Company, LTD. (18,498), Lennar Mortgage, LLC (14,937), JPMorgan Chase Bank, NA (10,296). 826 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Texas?
26.0% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Texas changed since 2018?
Originations went from 546,030 in 2018 to 494,656 in 2024; the denial rate moved from 24.7% to 26.0%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.