Mortgage lending in McLennan County, Texas
Lenders in McLennan County, Texas reported 7,711 mortgage applications for 2025, according to the CFPB.
7,711 mortgage applications and 4,509 loans originated in 2025; the denial rate was 20.4% of 6,103 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Waco, TX HUD Metro FMR Area.
- 7,711
- Applications
- 4,509
- Loans originated
- 20.4%
- Denial rate
- 1,245 denied of 6,103 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,711 | 4,509 |
| 2024 | 7,057 | 4,028 |
| 2023 | 6,836 | 3,871 |
| 2022 | 9,189 | 5,394 |
| 2021 | 12,867 | 8,093 |
| 2020 | 11,876 | 7,581 |
| 2019 | 8,641 | 5,506 |
| 2018 | 7,569 | 4,890 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 299 | 427 |
| SWBC Mortgage Corporation | 251 | 362 |
| United Wholesale Mortgage | 215 | 313 |
| Fairway Independent Mort Corp | 214 | 309 |
| Movement Mortgage, LLC | 159 | 210 |
| Central National Bank | 140 | 162 |
| DHI Mortgage Company, LTD. | 138 | 204 |
| Granite Bank | 116 | 141 |
| First National Bank of McGregor | 111 | 118 |
| Alliance Bank Central Texas | 104 | 158 |
| Community Bank & Trust | 98 | 144 |
| First National Bank of Central Texas | 89 | 103 |
| American Bank NA | 87 | 105 |
| Kangaroo Home Lending, LLC | 81 | 91 |
| Mortgage Research Center | 72 | 147 |
| Newrez LLC | 64 | 129 |
| Susser Bank | 64 | 77 |
| First Central Credit Union | 58 | 106 |
| Churchill Mortgage Corporation | 56 | 85 |
| Crosscountry Mortgage, LLC | 54 | 95 |
| Guild Mortgage Company | 52 | 89 |
| Cadence Bank | 52 | 100 |
| JPMorgan Chase Bank, NA | 51 | 93 |
| Extraco Banks, NA | 48 | 71 |
| Trinity Oaks Mortgage | 45 | 50 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 76 | 38.9% of 54 decided |
| Asian | 143 | 18.7% of 107 decided |
| Black or African American | 523 | 34.6% of 408 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,201 | 18.9% of 4,151 decided |
| 2 or more minority races | 13 | no rate: base under 50 |
| Joint | 203 | 24.4% of 160 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,543 | 19.4% of 1,203 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,384 | 29.8% of 1,097 decided |
| Not Hispanic or Latino | 4,553 | 19.4% of 3,599 decided |
| Joint | 372 | 17.2% of 308 decided |
| Ethnicity Not Available | 1,402 | 15.0% of 1,099 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,250 | 24.3% of 1,732 decided |
| Female | 1,456 | 26.5% of 1,169 decided |
| Joint | 3,167 | 16.3% of 2,529 decided |
| Sex Not Available | 838 | 15.2% of 673 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. 716 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