Lender in Texas · HMDA 2025
Rate mortgages in Texas
Rate's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Rate originated 2,827 owner-occupied single-family loans in Texas from 3,093 completed applications, making it the state's #21 lender by volume.
Its median conventional purchase loan costs were $7,240 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
2,827
of 3,093 applications
Denial rate
5.4%
Purchase · TX 10.2%
Rate spread
+0.17 pts
Conv. · TX +0.09 pts
Loan amount
$325,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,633 | 2,466 | 5.4% | 6.625% | +0.17 pts | $7,240 | $325,000 |
| Refinance | 312 | 261 | 12.2% | 6.375% | +0.05 pts | $5,540 | $395,000 |
| Cash-out refinance | 148 | 100 | 29.7% | 6.950% | +0.42 pts | $7,130 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Rate ranks in the top 25
Showing the 30 counties where it ranks highest, of 44.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lamar County | 2 | 37 | 9.6% |
| Reeves County | 2 | 9 | 11.8% |
| Terrell County | 2 | 1 | 20.0% |
| Ward County | 3 | 6 | 6.3% |
| Red River County | 3 | 5 | 5.8% |
| Irion County | 4 | 1 | 12.5% |
| Pecos County | 5 | 5 | 5.8% |
| Winkler County | 5 | 3 | 7.3% |
| Ector County | 6 | 97 | 4.5% |
| Nolan County | 7 | 3 | 2.8% |
| Webb County | 8 | 70 | 3.4% |
| Dallas County | 9 | 354 | 1.7% |
| Cherokee County | 9 | 10 | 2.4% |
| Upton County | 10 | 1 | 5.3% |
| Henderson County | 14 | 12 | 1.3% |
| Montague County | 14 | 4 | 1.6% |
| Bosque County | 14 | 3 | 1.7% |
| Atascosa County | 15 | 8 | 1.7% |
| Anderson County | 15 | 5 | 1.5% |
| Nueces County | 16 | 62 | 1.6% |
| Midland County | 16 | 51 | 1.5% |
| San Patricio County | 17 | 12 | 1.3% |
| Kerr County | 17 | 7 | 1.4% |
| Erath County | 17 | 5 | 1.4% |
| Caldwell County | 17 | 4 | 0.7% |
| Zapata County | 17 | 1 | 2.4% |
| Childress County | 18 | 1 | 2.8% |
| Kendall County | 19 | 13 | 1.3% |
| Kleberg County | 19 | 3 | 1.6% |
| Clay County | 19 | 2 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology