Mortgage lending in Hays County, Texas
Lenders in Hays County, Texas reported 11,841 mortgage applications for 2025, according to the CFPB.
11,841 mortgage applications and 7,164 loans originated in 2025; the denial rate was 20.2% of 9,470 applications decided. The median loan was about $305,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Austin-Round Rock-San Marcos, TX MSA.
- 11,841
- Applications
- 7,164
- Loans originated
- 20.2%
- Denial rate
- 1,914 denied of 9,470 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,841 | 7,164 |
| 2024 | 11,793 | 7,354 |
| 2023 | 12,317 | 6,970 |
| 2022 | 17,233 | 9,522 |
| 2021 | 22,754 | 14,221 |
| 2020 | 21,395 | 13,304 |
| 2019 | 12,958 | 7,786 |
| 2018 | 10,717 | 6,391 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| DHI Mortgage Company, LTD. | 644 | 937 |
| Lennar Mortgage, LLC | 419 | 607 |
| United Wholesale Mortgage | 416 | 539 |
| CMG Mortgage Inc | 349 | 458 |
| Randolph-Brooks Federal Credit Union | 346 | 661 |
| Rocket Mortgage | 277 | 418 |
| Velocio Mortgage, L.L.C. | 225 | 257 |
| loanDepot.com LLC | 197 | 325 |
| Pulte Mortgage LLC | 128 | 192 |
| Frost Bank | 113 | 189 |
| Primelending | 100 | 134 |
| Home Financing Unlimited, Inc. | 95 | 129 |
| Brightland Mortgage Services, LTD. | 94 | 106 |
| University Federal Credit Union | 87 | 120 |
| Fairway Independent Mort Corp | 80 | 115 |
| JPMorgan Chase Bank, NA | 78 | 121 |
| Pennymac Loan Services LLC | 71 | 170 |
| Cornerstone Capital Bank, SSB | 69 | 87 |
| Priority Home Mortgage, L.P. | 67 | 90 |
| Newrez LLC | 63 | 150 |
| M/I Financial. LLC | 58 | 75 |
| Ark-LA-Tex Financial Services LLC | 57 | 69 |
| A+ Federal Credit Union | 55 | 133 |
| Crosscountry Mortgage, LLC | 54 | 81 |
| Bank of America NA | 54 | 148 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 140 | 25.7% of 109 decided |
| Asian | 598 | 15.6% of 482 decided |
| Black or African American | 427 | 28.4% of 334 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 7,675 | 18.2% of 6,163 decided |
| 2 or more minority races | 23 | no rate: base under 50 |
| Joint | 323 | 13.8% of 269 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,631 | 26.3% of 2,072 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 3,422 | 26.0% of 2,734 decided |
| Not Hispanic or Latino | 5,786 | 16.9% of 4,634 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,908 | 22.5% of 1,488 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,911 | 21.0% of 3,073 decided |
| Female | 2,323 | 24.9% of 1,853 decided |
| Joint | 4,662 | 16.4% of 3,802 decided |
| Sex Not Available | 945 | 24.8% of 742 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. 283 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