PlainLender

TX · Statewide HMDA 2024

Texas mortgage lending

According to the CFPB HMDA 2024 Snapshot, 1,367 reporting lenders · 253 counties · 27 metros.

Top lenders ↓ All states

Volume rank is not origination-share rank

According to the CFPB HMDA 2024 Snapshot, Texas ranks #1 of 54 by application volume but #50 of 52 states with 10,000+ applications on origination share (46.0%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.

#50
Origination-share rank of 52
46.0%
Origination share
491,773
Originated
17.2%
Denial rate

According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.

CFPB HMDA state filing plate

State TX · Texas 17.2% denial

VOL-MEGA · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX

  • VOL-MEGA #1/54
  • DEN-MID 17.2%
  • PHOTO-FINISH Ohio
  • ORIG-FLOOR 46.0%
  • BOOK-FULL 1367 lenders
  • LEAD-MIX 7% top

Photo-finish peer: Ohio · 17.3% denial (+0.0pp vs Texas)

2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.

Denial-rate neighbourhood · Texas

Poles and nearest peers by statewide HMDA denial rate, not a full state roster.

Denial band
Hawaii · highest22.4%Arkansas · near17.4%Maryland · near17.3%North Carolina · near17.3%Ohio · near17.3%Texas · this state17.2%Guam · lowest7.6%

Nationwide states with similar HMDA denial rate or application volume

Two statewide peer sets for Texas: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.

Similar denial rate

Nearest states by statewide denial rate (17.2% here).

Ohio 17.3% · OH North Carolina 17.3% · NC Maryland 17.3% · MD Arkansas 17.4% · AR

Similar application volume

Nearest states by HMDA applications filed (1,069,254 here).

Florida 1,045,632 apps · FL California 1,024,266 apps · CA Georgia 478,245 apps · GA Pennsylvania 446,744 apps · PA Illinois 394,313 apps · IL New York 383,754 apps · NY

Top lenders by originations · Texas

Funded loans among HMDA-reporting institutions active in this state.

State market
1. United Wholesale Mortgage35K2. Rocket Mortgage24K3. DHI Mortgage Company, LTD.18K4. Lennar Mortgage, LLC15K5. JPMorgan Chase Bank, NA10K6. Cmg Mortgage INC10K7. Loandepot.Com, LLC9K8. Fairway Independent Mort …7K

Where Texas sits by application volume

2024 CFPB HMDA states and territories, bucketed by mortgage applications filed

1,069,254 Top 2% higher than 98% of 54 states and territories

This state 0 1,200,000 states and territories, grouped by applications

Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.

Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year

Top counties by originations · Texas

In-state county volume from the same HMDA county board linked below.

County mix
1. Harris County59K2. Bexar County35K3. Tarrant County33K4. Dallas County29K5. Collin County29K6. Denton County24K7. Travis County20K8. Montgomery County18K

How to read this state sheet. Texas filed 1,069,254 HMDA-reported applications in 2024 (#1 of 54 by volume) with a 17.2% denial rate - near the national 17.2% baseline. White applicants (536,074 apps) show 19.5% denial; Black or African American applicants (83,836 apps) show 25.5% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.

Nearby Lenders in Texas

Top HMDA-reporting lenders active in Texas. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 United Wholesale Mortgage 34,808 7.1%
2 Rocket Mortgage 24,479 5.0%
3 DHI Mortgage Company, LTD. 18,498 3.8%
4 Lennar Mortgage, LLC 14,937 3.0%
5 JPMorgan Chase Bank, NA 10,296 2.1%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Reported outcomes by applicant race in Texas

CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.

Race Applications Approval Rate Denial Rate
White 536,074 55.3% 19.5%
Black or African American 83,836 47.2% 25.5%
Asian 83,314 59.2% 14.0%
Joint 22,045 59.3% 16.4%
American Indian or Alaska Native 9,246 46.0% 26.7%
2 or more minority races 2,687 49.8% 25.6%
Native Hawaiian or Other Pacific Islander 2,105 42.0% 35.4%

Every county in Texas, by lending volume

County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.

County Applications Originated Denial Rate Avg Loan
Harris County 129,364 58,621 18.9% $328,095
Bexar County 77,835 35,292 16.3% $274,779
Tarrant County 68,646 33,291 16.0% $330,315
Dallas County 64,513 29,406 18.3% $392,519
Collin County 57,530 28,556 12.8% $440,853
Denton County 48,585 24,147 13.0% $425,029
Montgomery County 39,934 18,434 16.3% $297,852
Travis County 39,931 19,627 14.0% $507,433
Fort Bend County 35,520 16,520 17.5% $322,106
Williamson County 32,963 16,262 11.6% $378,335
El Paso County 26,172 11,953 17.6% $219,885
Hidalgo County 18,367 7,608 21.5% $219,173
Bell County 16,632 8,340 15.2% $257,557
Brazoria County 15,679 6,834 18.6% $277,711
Galveston County 15,350 7,493 14.7% $298,812
Hays County 14,670 7,339 12.6% $344,964
Kaufman County 13,159 6,059 14.4% $278,052
Ellis County 12,204 5,626 15.8% $338,190
Lubbock County 11,861 5,740 12.5% $225,355
Guadalupe County 11,507 5,587 13.0% $268,561
Comal County 11,294 5,621 12.1% $394,036
Nueces County 11,230 5,188 18.0% $269,744
Johnson County 10,559 4,875 14.9% $302,457
Parker County 9,403 4,578 16.7% $375,067
Cameron County 9,232 4,050 20.2% $213,465
Midland County 8,738 3,864 15.9% $288,997
Smith County 8,403 3,918 21.2% $243,352
Ector County 7,985 2,954 24.1% $211,590
McLennan County 7,979 3,987 16.4% $255,865
Grayson County 7,894 3,751 16.2% $286,224
Rockwall County 7,392 3,593 13.4% $370,239
Brazos County 6,446 3,313 15.5% $311,381
Liberty County 6,403 1,928 35.5% $170,357
Randall County 6,395 3,205 12.1% $220,475
Hunt County 6,192 2,845 16.9% $256,219
Webb County 5,689 2,596 19.7% $205,181
Jefferson County 5,458 2,742 17.3% $195,748
Taylor County 5,452 2,739 12.4% $222,157
Waller County 5,249 2,174 17.5% $333,685
Bastrop County 5,179 2,256 20.0% $271,075
Wise County 4,610 2,171 18.0% $303,870
Henderson County 3,878 1,629 24.1% $245,111
Wichita County 3,865 2,066 9.8% $186,229
Tom Green County 3,613 1,819 11.9% $230,018
Gregg County 3,515 1,741 19.5% $208,727
Potter County 3,406 1,428 19.3% $188,532
Hood County 3,356 1,634 16.2% $270,328
Medina County 3,069 1,306 18.9% $293,250
Bowie County 2,933 1,330 21.9% $191,498
Chambers County 2,884 1,330 16.8% $322,441
Orange County 2,702 1,233 20.1% $175,940
Coryell County 2,680 1,317 15.8% $219,739
Caldwell County 2,592 1,089 19.3% $242,373
San Patricio County 2,559 1,127 16.7% $221,335
Burnet County 2,550 1,264 17.1% $350,812
Hardin County 2,536 950 28.3% $173,584
Kendall County 2,486 1,201 12.5% $461,271
Victoria County 2,477 1,044 22.0% $202,093
Wilson County 2,453 1,132 16.8% $287,165
Angelina County 2,388 972 23.9% $184,213
Van Zandt County 2,355 1,011 23.4% $227,960
Atascosa County 2,230 817 28.0% $204,121
Harrison County 2,226 964 24.4% $198,342
Navarro County 1,991 821 24.2% $399,405
Walker County 1,825 737 22.4% $236,397
Wood County 1,823 855 19.3% $205,291
Cherokee County 1,676 643 27.9% $181,868
Polk County 1,676 607 27.3% $174,368
Cooke County 1,638 765 14.8% $277,711
Rusk County 1,636 671 26.3% $173,826
Fannin County 1,625 730 20.3% $228,526
Upshur County 1,618 750 22.3% $197,429
Nacogdoches County 1,581 676 23.7% $192,312
Grimes County 1,536 638 24.5% $257,279
Hill County 1,524 609 22.8% $207,480
Anderson County 1,513 548 28.2% $174,352
Kerr County 1,491 710 16.8% $293,645
Jasper County 1,378 457 28.5% $150,813
Aransas County 1,345 549 22.2% $281,617
Austin County 1,344 563 20.5% $254,249
San Jacinto County 1,322 440 29.9% $183,139
Washington County 1,235 531 24.5% $272,101
Palo Pinto County 1,187 555 17.7% $287,106
Lamar County 1,166 539 15.9% $220,189
Hopkins County 1,150 512 23.0% $226,139
Erath County 1,147 582 15.9% $311,173
Val Verde County 1,071 513 19.4% $205,103
Gillespie County 1,025 506 18.8% $426,649
Lampasas County 1,023 527 15.3% $264,042
Gaines County 981 372 24.8% $210,708
Hockley County 958 295 27.1% $181,576
Matagorda County 952 386 21.2% $190,368
Maverick County 950 423 19.9% $204,663
Llano County 939 477 15.7% $430,282
Burleson County 938 347 28.4% $201,983
Brown County 927 406 19.1% $183,846
Cass County 926 394 25.5% $167,095
Bandera County 918 372 21.9% $265,207
Wharton County 908 363 26.5% $193,634
Jim Wells County 902 323 27.3% $185,443
Howard County 874 367 18.0% $203,890
Tyler County 823 251 33.2% $156,932
Milam County 820 326 21.6% $210,890
Freestone County 813 280 26.9% $175,098
Andrews County 786 309 22.0% $214,898
Montague County 762 383 15.3% $225,499
Titus County 746 370 18.5% $222,735
Panola County 715 246 30.4% $178,399
Hutchinson County 697 279 18.4% $140,610
Moore County 692 253 16.8% $162,038
Leon County 688 232 31.1% $190,552
Limestone County 686 260 24.9% $173,294
Starr County 671 221 25.9% $163,361
Fayette County 661 303 21.6% $279,796
Hale County 661 240 24.4% $141,188
Kleberg County 634 285 17.7% $194,968
Callahan County 629 279 19.4% $187,369
Houston County 624 219 32.4% $171,554
Colorado County 614 231 28.2% $210,521
Trinity County 609 199 29.1% $162,783
Bee County 608 236 24.5% $186,480
Shelby County 585 177 32.0% $155,222
Robertson County 584 230 27.1% $203,390
Blanco County 583 272 15.3% $423,954
Jones County 582 227 25.8% $171,667
Lee County 571 216 26.6% $220,709
Bosque County 562 279 19.0% $242,811
Eastland County 547 237 22.5% $174,287
Calhoun County 545 235 20.7% $207,294
Gonzales County 536 194 27.2% $198,862
Gray County 522 231 17.6% $131,341
Lavaca County 503 223 23.9% $184,443
Rains County 496 207 23.8% $233,810
Uvalde County 491 222 17.3% $209,929
Falls County 486 156 32.3% $178,004
Camp County 475 211 23.8% $193,947
Newton County 464 134 32.1% $136,573
Sabine County 463 157 28.9% $142,235
DeWitt County 462 198 25.1% $176,190
Young County 453 194 22.3% $171,755
Franklin County 427 218 19.0% $323,244
Comanche County 425 169 19.3% $189,188
Morris County 423 191 17.5% $160,721
Ward County 418 167 20.8% $197,297
Jackson County 418 165 23.7% $180,024
Scurry County 413 152 23.7% $160,327
Deaf Smith County 412 171 24.3% $150,461
Frio County 401 117 31.2% $178,392
Pecos County 383 145 27.1% $148,864
Somervell County 366 178 19.1% $374,918
Madison County 353 130 32.9% $204,745
Reeves County 352 124 27.3% $183,466
Marion County 352 121 31.5% $159,403
Clay County 324 173 13.0% $176,142
Nolan County 308 130 24.7% $131,623
Red River County 299 111 28.1% $155,769
Live Oak County 296 122 18.2% $198,412
Archer County 288 153 12.2% $226,563
Martin County 279 87 26.9% $213,100
Wilbarger County 276 149 15.9% $144,312
Lynn County 273 104 21.6% $277,784
Carson County 266 118 18.8% $161,617
Karnes County 264 98 25.8% $181,402
Lamb County 252 104 23.4% $133,492
Jack County 250 109 19.2% $247,840
Willacy County 241 83 30.3% $159,232
Terry County 239 79 28.9% $153,201
San Augustine County 226 70 35.4% $145,398
Goliad County 224 74 32.6% $198,571
Stephens County 223 104 22.9% $172,578
Hamilton County 209 91 18.2% $206,531
Runnels County 206 82 19.4% $165,243
Coleman County 205 65 26.8% $158,073
Zapata County 198 74 27.8% $128,081
Refugio County 195 57 35.4% $179,051
Yoakum County 191 69 26.2% $167,880
Dawson County 184 81 15.2% $153,750
Dallam County 176 66 30.1% $151,307
Brewster County 171 82 18.1% $224,123
Dimmit County 168 53 28.6% $146,607
McCulloch County 167 66 25.1% $140,808
Crane County 163 59 23.9% $159,969
Winkler County 160 58 23.8% $179,438
Delta County 157 61 26.1% $170,924
Duval County 150 40 32.7% $149,600
Crosby County 148 54 22.3% $111,824
Parmer County 145 65 25.5% $140,517
Mitchell County 138 49 25.4% $133,188
Ochiltree County 133 54 23.3% $139,962
Swisher County 129 49 23.3% $128,566
Castro County 127 52 20.5% $156,732
Hartley County 126 58 23.0% $194,841
La Salle County 116 32 32.8% $145,690
Zavala County 114 32 33.3% $130,175
Childress County 113 58 21.2% $103,230
Donley County 109 42 27.5% $118,303
Mills County 107 48 25.2% $209,112
Garza County 105 44 32.4% $153,000
Haskell County 105 40 20.0% $138,524
Floyd County 104 37 31.7% $108,558
Wheeler County 102 42 29.4% $137,843
Shackelford County 99 49 19.2% $191,263
Kimble County 93 28 31.2% $251,452
Coke County 92 38 19.6% $162,391
Kinney County 91 48 20.9% $121,374
Hardeman County 90 40 22.2% $108,000
San Saba County 85 33 21.2% $202,294
Real County 82 28 25.6% $244,024
Upton County 82 28 24.4% $150,854
Sutton County 79 37 22.8% $192,975
Knox County 79 30 24.1% $126,013
Bailey County 78 34 24.4% $138,590
Presidio County 78 33 37.2% $199,231
Fisher County 76 31 27.6% $140,921
Baylor County 74 32 20.3% $121,486
Hudspeth County 72 19 37.5% $132,917
Armstrong County 64 34 6.3% $170,625
Reagan County 62 19 22.6% $154,355
Sherman County 57 23 12.3% $162,368
Jim Hogg County 56 14 42.9% $165,000
Mason County 55 22 21.8% $359,364
Concho County 53 28 20.8% $159,340
Collingsworth County 53 21 32.1% $141,415
Hansford County 50 26 22.0% $176,800
Hemphill County 48 25 16.7% $130,625
Oldham County 47 21 17.0% $150,957
Schleicher County 46 17 32.6% $161,957
Culberson County 44 16 15.9% $149,318
Menard County 44 11 40.9% $148,636
Jeff Davis County 43 18 25.6% $178,488
Brooks County 43 11 39.5% $148,256
Lipscomb County 39 12 41.0% $100,385
Irion County 38 14 28.9% $199,474
Cochran County 37 6 32.4% $123,919
Throckmorton County 36 12 30.6% $188,889
Hall County 36 11 22.2% $75,278
Dickens County 35 13 22.9% $119,000
Crockett County 34 18 14.7% $147,353
Stonewall County 29 7 55.2% $108,793
Edwards County 22 10 27.3% $236,364
Terrell County 21 9 23.8% $104,048
Glasscock County 21 6 28.6% $308,333
Briscoe County 20 11 10.0% $132,000
Sterling County 19 7 10.5% $293,947
Foard County 16 6 25.0% $124,375
Kent County 16 6 18.8% $168,750
Motley County 12 6 41.7% $195,833
Roberts County 11 4 27.3% $111,364
Cottle County 10 6 20.0% $98,000
Borden County 10 4 30.0% $131,000
McMullen County 6 3 33.3% $93,333
Loving County 2 2 0.0% $250,000
Kenedy County 1 0 100.0% $155,000

Metro Areas in Texas

Houston-Pasadena-The Woodlands
114,344 loans originated
18.4%
denial rate
Dallas-Plano-Irving
100,244 loans originated
15.0%
denial rate
San Antonio-New Braunfels
51,330 loans originated
15.8%
denial rate
Austin-Round Rock-San Marcos
46,584 loans originated
13.4%
denial rate
Fort Worth-Arlington-Grapevine
44,918 loans originated
16.1%
denial rate
El Paso
11,973 loans originated
17.6%
denial rate
Killeen-Temple
10,184 loans originated
15.3%
denial rate
McAllen-Edinburg-Mission
7,609 loans originated
21.5%
denial rate
Corpus Christi
6,865 loans originated
18.2%
denial rate
Lubbock
6,246 loans originated
14.1%
denial rate
Beaumont-Port Arthur
4,925 loans originated
20.6%
denial rate
Amarillo
4,806 loans originated
14.7%
denial rate
Brownsville-Harlingen
4,050 loans originated
20.2%
denial rate
Waco
4,422 loans originated
17.4%
denial rate
Midland
3,954 loans originated
16.2%
denial rate
Longview
4,126 loans originated
22.4%
denial rate
Tyler
3,919 loans originated
21.2%
denial rate
Odessa
2,954 loans originated
24.1%
denial rate
College Station-Bryan
3,891 loans originated
17.9%
denial rate
Sherman-Denison
3,751 loans originated
16.2%
denial rate
Abilene
3,245 loans originated
14.3%
denial rate
Laredo
2,596 loans originated
19.7%
denial rate
Texarkana
2,149 loans originated
21.5%
denial rate
Wichita Falls
2,392 loans originated
10.2%
denial rate
San Angelo
1,833 loans originated
12.1%
denial rate
Victoria
1,118 loans originated
22.9%
denial rate
Eagle Pass
424 loans originated
19.9%
denial rate

Frequently Asked Questions

How many mortgage applications were filed in Texas?
In the 2024 HMDA reporting year, 1,069,254 mortgage applications were filed in Texas. Of these, 491,773 were originated (approved and funded), while 184,139 were denied, resulting in a denial rate of 17.2%.
Where does Texas sit among U.S. states for mortgage volume?
According to CFPB HMDA 2024 application volume across U.S. states and territories, Texas ranks #1 of 54. On origination share (originated divided by applications, 10,000-application floor) it ranks #50 of 52 at 46.0%. The /states hub sorts by application volume for this ranking basis. See /methodology#corpus-placement.
What is the mortgage denial rate in Texas?
The mortgage denial rate in Texas is 17.2%, meaning 17.2% of all applications were denied by lenders. The approval (origination) rate is 46.0%.
What is the average mortgage loan amount in Texas?
The average mortgage loan amount in Texas is $314,839. The average interest rate across all loan types is 6.739%.
How many mortgage lenders operate in Texas?
1,367 mortgage lenders reported HMDA data for Texas. These include banks, credit unions, and independent mortgage companies that filed lending activity for this state.
How do mortgage denial rates vary by demographics in Texas?
Texas reports demographic lending data under HMDA. White applicants (536,074 applications) have an approval rate of 55.3% and denial rate of 19.5%; Black or African American applicants (83,836 applications) have an approval rate of 47.2% and denial rate of 25.5%; Asian applicants (83,314 applications) have an approval rate of 59.2% and denial rate of 14.0%. These figures reflect derived race categories as reported by applicants, and cover only groups with at least 100 applications, since a rate computed on a handful of applications is not readable.
Which counties in Texas have the most mortgage activity?
The top counties by mortgage volume in Texas are Harris County (58,621 originations), Bexar County (35,292 originations), Tarrant County (33,291 originations). There are 253 counties with HMDA mortgage data in the state.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.