Lender profile · HMDA 2023–2025
Texans mortgage approval rates & lending data
Texans decided 2,869 mortgage applications and funded 911 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 68% | 108 / 159 | 94% | $325K | 102 |
| Home improvement loans | 52% | 633 / 1,216 | 58% | $95K | 370 |
| Cash-out refinance | 43% | 613 / 1,417 | 67% | $105K | 412 |
| Refinance | 41% | 25 / 61 | 96% | $135K | 24 |
Texans lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 49% | $105K | 2,845 | 908 |
| Arizona | 0% | — | 3 | 0 |
| Illinois | 0% | — | 3 | 0 |
| California | 0% | — | 2 | 0 |
| Florida | 50% | $425K | 2 | 1 |
| Maryland | 0% | — | 2 | 0 |
| Missouri | 0% | — | 2 | 0 |
| Nevada | 0% | — | 2 | 0 |
| Oregon | 0% | — | 2 | 0 |
| Arkansas | 0% | — | 1 | 0 |
| Connecticut | 0% | — | 1 | 0 |
| Georgia | 100% | $75K | 1 | 1 |
| Louisiana | 0% | — | 1 | 0 |
| New Mexico | 100% | $405K | 1 | 1 |
| Pennsylvania | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.