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refinance lenders · HMDA 2023–2025

Refinance lenders in Texas

Fat Boy Data analyzed mortgage refinance activity in Texas to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 143,577 applications were decided by 1,023 lenders between 2023 and 2025.

Texas at a glance

1,023Active lenders380 with 20+ decisions
70.9%Market approval rate101,843 of 143,577 decided
$335KTypical loanmedian lender, $10K brackets
90%Borrower take-up91,832 loans funded

How Texas compares

Approval rate compared
Texas70.9%All 616 counties76.5%
Typical loan compared
Texas$335KAll 616 counties$295K

What the data shows

Rocket Mortgage, LLC made the most mortgage refinances in Texas, 6,887 of them.

Lakeview Community Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 99% of 384.

Lenders approved 70.9% of mortgage refinance applications in Texas, 5.5 percentage points below the the United States rate of 76.5%.

The typical mortgage refinance here is $335K, 14% larger than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%American Financing Corporation: 9% approved of 1,016Amerisave Mortgage Corporation: 13% approved of 81521St Mortgage Corporation: 15% approved of 425Discover Bank: 22% approved of 3,575Mortgage Research Center, LLC: 32% approved of 3,940Carrington Mortgage Services, LLC: 35% approved of 979Navy Federal Credit Union: 36% approved of 967Lakeview Loan Servicing, LLC: 40% approved of 6,187Comerica Bank: 48% approved of 1,694Pentagon Federal Credit Union: 50% approved of 712Rally Credit Union: 51% approved of 550Regions Bank: 51% approved of 745Truist Bank: 52% approved of 771Bank of America, National Association: 52% approved of 3,878Prosperity Bank: 54% approved of 810Newrez LLC: 55% approved of 2,546PNC Bank, National Association: 55% approved of 2,929Wells Fargo Bank, National Association: 57% approved of 1,426Frost Bank: 59% approved of 2,818Onity Mortgage Corporation: 60% approved of 689Loandepot.Com, LLC: 61% approved of 1,075Kind Lending, LLC: 62% approved of 454BOKF, National Association: 63% approved of 512Firstmark Credit Union: 65% approved of 475New American Funding, LLC: 67% approved of 579Zions Bancorporation, N.A.: 68% approved of 2,263Flagstar Bank, National Association: 69% approved of 406Rocket Mortgage, LLC: 69% approved of 10,658Cadence Bank: 70% approved of 436Royal United Mortgage LLC: 70% approved of 3,070Plaza Home Mortgage, Inc.: 71% approved of 381Randolph-Brooks Federal Credit Union: 73% approved of 513Nationstar Mortgage LLC: 79% approved of 1,230Mutual of Omaha Mortgage, Inc.: 79% approved of 1,259Primelending, A Plainscapital Company: 80% approved of 580Cardinal Financial Company, Limited Partnership: 81% approved of 456Finance of America Reverse LLC: 82% approved of 910Longbridge Financial, LLC: 83% approved of 565Amerihome Mortgage Company, LLC: 83% approved of 1,509Fairway Independent Mortgage Corporation: 84% approved of 694Guaranteed Rate, Inc.: 85% approved of 576Planet Home Lending, LLC: 85% approved of 1,534First United Bank and Trust Company: 86% approved of 512Pennymac Loan Services, LLC: 86% approved of 4,028JPMorgan Chase Bank, National Association: 87% approved of 1,794United Wholesale Mortgage, LLC: 87% approved of 22,467Gateway First Bank: 88% approved of 438Sun West Mortgage Company, Inc.: 89% approved of 590Provident Funding Associates, L.P.: 90% approved of 745Village Capital & Investment LLC: 91% approved of 3,172Cmg Mortgage, Inc.: 91% approved of 1,091Guild Mortgage Company LLC: 91% approved of 657Union Home Mortgage Corp.: 92% approved of 335Freedom Mortgage Corporation: 92% approved of 6,227Crosscountry Mortgage, LLC: 95% approved of 1,109Ark-La-Tex Financial Services, LLC.: 96% approved of 333Mortgage Solutions of Colorado, LLC: 97% approved of 510Willow Bend Mortgage Company, LLC: 98% approved of 397Paramount Residential Mortgage Group, Inc.: 98% approved of 634Lakeview Community Capital, LLC: 99% approved of 384

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Texas

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only87%19,550 / 22,46795%$435K18,647
2Rocket Mortgage, LLC69%7,388 / 10,65893%$275K6,887
3Freedom Mortgage Corporation92%5,731 / 6,22773%$345K4,185
4Lakeview Loan Servicing, LLC40%2,464 / 6,18748%$365K1,180
5Pennymac Loan Services, LLC86%3,462 / 4,02888%$335K3,038

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 1,018 more lenders.

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Other lending data for Texas

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Counties in Texas

Harris CountyCountyDallas CountyCountyTarrant CountyCountyBexar CountyCountyTravis CountyCountyCollin CountyCountyDenton CountyCountyHidalgo CountyCountyEl Paso CountyCountyFort Bend CountyCountyMontgomery CountyCountyWilliamson CountyCounty