Mortgage lending in Howard County, Texas
Lenders in Howard County, Texas reported 774 mortgage applications for 2025, according to the CFPB.
774 mortgage applications and 412 loans originated in 2025; the denial rate was 24.7% of 592 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Howard County, TX.
- 774
- Applications
- 412
- Loans originated
- 24.7%
- Denial rate
- 146 denied of 592 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 774 | 412 |
| 2024 | 690 | 372 |
| 2023 | 670 | 355 |
| 2022 | 943 | 507 |
| 2021 | 1,159 | 614 |
| 2020 | 1,131 | 652 |
| 2019 | 894 | 527 |
| 2018 | 852 | 488 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 33 | 52 |
| Primelending | 30 | 40 |
| First National Bank Texas | 30 | 37 |
| Prosperity Bank | 28 | 42 |
| Synergy One Lending, Inc. | 20 | 31 |
| Lower, LLC | 20 | 25 |
| Alliance Credit Union | 20 | 28 |
| 21ST Mortgage | 16 | 64 |
| Securitynational Mortgage Company | 14 | 26 |
| Freedom Mortgage Corporation | 12 | 16 |
| Mortgage Research Center | 11 | 18 |
| Complex Community Federal Cu | 10 | 15 |
| Premier Mortgage Resources, LLC | 10 | 13 |
| United Wholesale Mortgage | 10 | 14 |
| loanDepot.com LLC | 5 | 11 |
| Highlands Residential Mortgage, Ltd. | 5 | 7 |
| Western Bank | 4 | 5 |
| Navy Federal Credit Union | 4 | 7 |
| Guild Mortgage Company | 4 | 8 |
| Cardinal Financial Company, Li | 4 | 6 |
| Everett Financial, Inc. | 4 | 6 |
| Pennymac Loan Services LLC | 4 | 9 |
| AmeriHome Mortgage Company, LLC | 3 | 6 |
| Citizens State Bank | 3 | 3 |
| Gateway First Bank | 3 | 3 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 22 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 23 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 560 | 24.1% of 432 decided |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 149 | 22.2% of 108 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 217 | 27.0% of 167 decided |
| Not Hispanic or Latino | 399 | 24.4% of 307 decided |
| Joint | withheld | |
| Ethnicity Not Available | 114 | 25.0% of 84 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 353 | 25.0% of 280 decided |
| Female | 126 | 36.5% of 104 decided |
| Joint | 220 | 17.1% of 152 decided |
| Sex Not Available | 75 | 21.4% of 56 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. 1658 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