Mortgage lending in Harris County, Texas
Lenders in Harris County, Texas reported 116,941 mortgage applications for 2025, according to the CFPB.
116,941 mortgage applications and 62,641 loans originated in 2025; the denial rate was 26.7% of 90,751 applications decided. The median loan was about $265,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area.
- 116,941
- Applications
- 62,641
- Loans originated
- 26.7%
- Denial rate
- 24,226 denied of 90,751 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 116,941 | 62,641 |
| 2024 | 111,303 | 58,870 |
| 2023 | 108,302 | 55,607 |
| 2022 | 149,624 | 79,502 |
| 2021 | 231,281 | 134,283 |
| 2020 | 221,461 | 127,575 |
| 2019 | 143,188 | 81,252 |
| 2018 | 128,013 | 72,063 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 6,322 | 8,620 |
| Rocket Mortgage | 4,343 | 6,461 |
| Lennar Mortgage, LLC | 2,263 | 3,378 |
| JPMorgan Chase Bank, NA | 1,940 | 3,410 |
| New American Funding, LLC. | 1,451 | 2,519 |
| CMG Mortgage Inc | 1,328 | 2,035 |
| Bank of America NA | 1,092 | 3,246 |
| DHI Mortgage Company, LTD. | 1,059 | 1,624 |
| Cadence Bank | 1,030 | 1,520 |
| loanDepot.com LLC | 936 | 1,651 |
| Pennymac Loan Services LLC | 770 | 1,700 |
| Crosscountry Mortgage, LLC | 748 | 1,220 |
| Frost Bank | 746 | 1,564 |
| Guild Mortgage Company | 672 | 1,019 |
| Kind Lending, LLC | 628 | 1,046 |
| The Loan Store, Inc | 610 | 974 |
| Shell Federal Credit Union | 590 | 1,335 |
| Fairway Independent Mort Corp | 578 | 864 |
| Zions Bancorporation, N.A. | 571 | 1,280 |
| Freedom Mortgage Corporation | 558 | 1,274 |
| Taylor Morrison Home Funding, Inc. | 545 | 700 |
| Newrez LLC | 540 | 1,972 |
| Paramount Residential Mortgage | 499 | 699 |
| Union Home Mortgage Corp. | 495 | 762 |
| Network Funding, L.P. | 476 | 787 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 1,293 | 34.5% of 1,009 decided |
| Asian | 11,123 | 20.8% of 8,639 decided |
| Black or African American | 16,092 | 33.2% of 12,320 decided |
| Native Hawaiian or Other Pacific Islander | 240 | 36.2% of 196 decided |
| White | 59,383 | 24.1% of 47,171 decided |
| 2 or more minority races | 403 | 37.4% of 324 decided |
| Joint | 2,319 | 17.8% of 1,834 decided |
| Free Form Text Only | 87 | 50.0% of 64 decided |
| Race Not Available | 26,001 | 31.6% of 19,194 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 36,430 | 31.8% of 28,834 decided |
| Not Hispanic or Latino | 56,638 | 23.4% of 44,265 decided |
| Joint | 4,025 | 18.8% of 3,183 decided |
| Ethnicity Not Available | 19,783 | 28.4% of 14,422 decided |
| Free Form Text Only | 65 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 45,504 | 28.0% of 35,426 decided |
| Female | 27,755 | 30.5% of 21,721 decided |
| Joint | 32,655 | 20.9% of 25,886 decided |
| Sex Not Available | 11,027 | 29.2% of 7,718 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 499 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved