Who lends in Texas, how much, and how it is changing — origination volume, denial rates, the top lenders by volume, and the purchase vs refinance mix, 2018–2025, from HMDA public data. Figures are as of activity year 2025 (latest available). Free — no account required.
Origination volume · 2025
$186.23B
+8.1% vs 2024
Origination volumeSum of loan amount over HMDA records with action taken = 1.2024: $172.33B
Originations · 2025
526,689
+7.1% vs 2024
OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.$186.23B in volume
United Wholesale Mortgage led Texas in 2025 with $16.10B — 8.6% of the state's disclosed volume. Texas ranks #2 of 54 states & territories by origination volume, 7.7% of the national total. Statewide volume rose +8.1% from 2024.
Origination volume by year
Texas dollar volume of originated loans
$ VOLUME · HOVER FOR UNITS
Loan purpose mix
Share of 2025 ORIGINATED LOANS — a unit mix. No source publishes purpose-level dollars, so this is never a $ share.
Purchase68%Purchase · 68%356,285
Refinance24%Refinance · 24%124,450
Other purposes9%Other purposes · 9%45,954
Denial rate by year
Texas vs the U.S. · denials / actioned applications
% · STATE VS U.S.
Agency channel mix
Share of 2025 originations
Conventional68%Conventional · 68%359,353
FHA20%FHA · 20%106,574
VA11%VA · 11%57,775
USDA / RHS1%USDA / RHS · 1%2,987
Lenders in Texas · 2025
All 1,588 lenders that reported in Texas, ranked by origination volume · sort, filter and export any of them · each row opens the company profile
1-4 family dwellings: Originations whose derived dwelling category is Single Family (1-4 Units) — site-built or manufactured.
ON THIS PAGE · This page is published for search and is served from cache, so it cannot read a scope from the address bar. The pills open the Texas state hub, which honours the rung; the figures here stay on the full HMDA basis and the ladder below states exactly what that includes.
What “originations” counts
Every rung below is a strict subset of the one above it, for Texas in 2025. No single HMDA slice equals the industry origination figure, so this shows the whole ladder rather than picking one and claiming it matches.
All HMDA originations526,689$186.2B100.0%— the widest basis
1-4 family dwellings524,684$167B89.7%5+ unit multifamily · 2,005 loans · $19.23B
1-4 family, first lien470,733$161.4B86.6%junior and subordinate liens · 53,951 loans · $5.63B
1-4 family, first lien, closed-end(disclosure only)461,390$159.3B85.6%home-equity lines of credit · 9,343 loans · $2.04B
1-4 family, first lien, closed-end, consumer-purpose(disclosure only)426,923$150B80.5%business-purpose loans and reverse mortgages · 34,467 loans · $9.37B
Source: HMDA public loan-application data (CFPB/FFIEC), action taken = 1, activity year 2025. The two lowest rungs are shown for disclosure and are not selectable — a HELOC flag or a business-purpose flag that the filer claimed the partial exemption on arrives unreported, so those two rungs keep unreported records rather than guessing.
Counties in Texas
Mortgage lending by county — 193 with enough origination volume to profile, largest first
Origination volume and denial rate, market concentration, the top lenders operating there, ACS housing and income context, and FEMA natural-hazard exposure.
Attribution & methodology. Texas figures are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); “state share” is a lender’s share of the state’s disclosed origination volume; loan amounts are the public files’ midpoint-rounded values. MortRadar’s aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.
Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.