State report · HMDA 2025
Texas mortgages and home buyers, 2025
Incomes, down payments, rates, loan costs, denials and lenders across Texas's 254 counties, from official HMDA records.
HMDA 2025 data released June 23, 2026
In 2025, lenders reported 292,354 home-purchase mortgages for owner-occupied, single-family homes in Texas. The median buyer borrowed $315,000 on a home valued at $355,000 and reported a household income of $118,000.
Buyers financed a median 95% of the home's value (roughly 5% down), paid a median 6.50% on 30-year fixed conventional loans and faced median conventional loan costs of $6,860.
Lenders denied 10.2% of completed home-purchase applications.
Purchase loans
292,354
1,155 lenders active
Buyer income
$118,000
U.S. $116,000
Down payment
5%
U.S. 10%
30-yr fixed rate
6.50%
U.S. 6.625%
Loan costs
$6,860
Conventional · U.S. $5,570
FHA limit 2026
$541K–$813K
1-unit home, by county
Key facts
- The median 30-year fixed conventional rate here was 13 basis points below the U.S. median (6.625%).
- Median conventional loan costs ($6,860) were 23% higher than the U.S. median ($5,570).
- FHA loans made up 32.1% of purchase mortgages, versus 21.1% nationally.
- 30.2% of buyers put at least 20% down (financed 80% or less), compared with 38.5% nationally.
- The most common age bracket among borrowers was 25–34 (33.4% of purchase loans).
- 52.9% of purchase mortgages had a single borrower with no co-applicant.
- The most-cited reason for denial was debt-to-income ratio (44.6% of denials with a stated reason).
The 2026 conforming limit is $832,750 for a one-unit home in every Texas county. See every Texas county's 2026 FHA and conforming loan limits.
Texas counties compared
Click a column to sort. Medians shown with at least 30 loans.
| County | Purchase loans | Median loan | Buyer income | Down payment | 30-yr rate | Loan costs | Denial rate | FHA limit |
|---|---|---|---|---|---|---|---|---|
| Anderson County | 242 | $215,000 | $99,000 | 5.0% | 6.875% | $4,720 | 8.0% | $541,287 |
| Andrews County | 178 | $285,000 | $108,000 | 3.5% | 6.875% | $7,180 | 6.6% | $541,287 |
| Angelina County | 504 | $225,000 | $98,000 | 3.5% | 6.750% | $5,210 | 9.5% | $541,287 |
| Aransas County | 269 | $295,000 | $128,000 | 10.0% | 6.500% | $6,580 | 10.8% | $541,287 |
| Archer County | 96 | $265,000 | $111,000 | 5.0% | 6.625% | $4,670 | 2.9% | $541,287 |
| Armstrong County | 18 | — | — | — | — | — | — | $541,287 |
| Atascosa County | 325 | $245,000 | $95,000 | 3.5% | 6.500% | $7,910 | 18.7% | $557,750 |
| Austin County | 253 | $305,000 | $127,000 | 10.0% | 6.625% | $8,140 | 11.7% | $541,287 |
| Bailey County | 26 | — | — | — | — | — | 15.2% | $541,287 |
| Bandera County | 159 | $355,000 | $145,000 | 6.0% | 6.625% | $6,990 | 9.3% | $557,750 |
| Bastrop County | 1,165 | $325,000 | $113,000 | 3.5% | 6.490% | $7,160 | 9.5% | $571,550 |
| Baylor County | 17 | — | — | — | — | — | — | $541,287 |
| Bee County | 110 | $215,000 | $96,000 | 3.5% | 6.625% | $6,790 | 15.0% | $541,287 |
| Bell County | 5,690 | $285,000 | $99,000 | 0.0% | 6.500% | $5,420 | 8.8% | $541,287 |
| Bexar County | 21,374 | $285,000 | $98,000 | 3.5% | 6.490% | $6,650 | 11.6% | $557,750 |
| Blanco County | 124 | $425,000 | $150,000 | 20.0% | 6.625% | $7,960 | 5.3% | $541,287 |
| Borden County | 1 | — | — | — | — | — | — | $541,287 |
| Bosque County | 108 | $225,000 | $90,000 | 5.0% | 6.500% | $5,500 | 13.2% | $541,287 |
| Bowie County | 592 | $215,000 | $96,000 | 3.5% | 6.875% | $5,140 | 8.0% | $541,287 |
| Brazoria County | 4,894 | $325,000 | $125,000 | 5.0% | 6.500% | $6,800 | 10.0% | $541,287 |
| Brazos County | 2,036 | $305,000 | $125,000 | 10.0% | 6.500% | $6,020 | 7.0% | $541,287 |
| Brewster County | 48 | $245,000 | $101,000 | 3.5% | — | — | 7.1% | $541,287 |
| Briscoe County | 6 | — | — | — | — | — | — | $541,287 |
| Brooks County | 7 | — | — | — | — | — | — | $541,287 |
| Brown County | 233 | $205,000 | $93,000 | 5.0% | 6.750% | $5,280 | 8.0% | $541,287 |
| Burleson County | 157 | $265,000 | $106,000 | 5.0% | 6.625% | $6,030 | 9.9% | $541,287 |
| Burnet County | 633 | $305,000 | $118,000 | 6.4% | 6.500% | $5,780 | 9.5% | $541,287 |
| Caldwell County | 457 | $285,000 | $95,000 | 3.5% | 6.125% | $5,880 | 11.8% | $571,550 |
| Calhoun County | 132 | $215,000 | $104,000 | 3.5% | 6.750% | $5,040 | 15.3% | $541,287 |
| Callahan County | 154 | $235,000 | $98,000 | 3.5% | 6.625% | $6,090 | 5.9% | $541,287 |
| Cameron County | 2,191 | $255,000 | $99,000 | 3.5% | 6.500% | $7,210 | 10.5% | $541,287 |
| Camp County | 96 | $225,000 | $99,000 | 3.5% | — | $4,770 | 14.8% | $541,287 |
| Carson County | 58 | $195,000 | $105,000 | 5.0% | — | — | 4.5% | $541,287 |
| Cass County | 154 | $185,000 | $91,000 | 3.5% | 6.750% | $4,760 | 15.9% | $541,287 |
| Castro County | 31 | $185,000 | $81,000 | 3.5% | — | — | 11.4% | $541,287 |
| Chambers County | 975 | $335,000 | $131,000 | 3.5% | 6.500% | $6,900 | 9.1% | $541,287 |
| Cherokee County | 271 | $225,000 | $98,000 | 5.0% | 6.750% | $5,360 | 14.4% | $541,287 |
| Childress County | 26 | — | — | — | — | — | — | $541,287 |
| Clay County | 108 | $195,000 | $93,000 | 5.0% | 6.625% | $4,030 | 8.2% | $541,287 |
| Cochran County | 4 | — | — | — | — | — | — | $541,287 |
| Coke County | 15 | — | — | — | — | — | — | $541,287 |
| Coleman County | 37 | $175,000 | $98,000 | 5.0% | — | — | 2.6% | $541,287 |
| Collin County | 17,054 | $405,000 | $148,000 | 10.0% | 6.500% | $7,280 | 9.0% | $563,500 |
| Collingsworth County | 8 | — | — | — | — | — | — | $541,287 |
| Colorado County | 82 | $315,000 | $129,000 | 5.0% | 6.625% | $7,860 | 12.5% | $541,287 |
| Comal County | 2,982 | $375,000 | $137,000 | 6.0% | 6.490% | $7,510 | 7.8% | $557,750 |
| Comanche County | 101 | $205,000 | $95,000 | 5.0% | 6.875% | $5,120 | 8.0% | $541,287 |
| Concho County | 7 | — | — | — | — | — | — | $541,287 |
| Cooke County | 401 | $325,000 | $122,000 | 10.0% | 6.625% | $6,420 | 5.6% | $541,287 |
| Coryell County | 842 | $265,000 | $88,000 | 0.0% | 6.500% | $5,520 | 9.5% | $541,287 |
| Cottle County | 1 | — | — | — | — | — | — | $541,287 |
| Crane County | 18 | — | — | — | — | — | — | $541,287 |
| Crockett County | 4 | — | — | — | — | — | — | $541,287 |
| Crosby County | 27 | — | — | — | — | — | 10.0% | $541,287 |
| Culberson County | 8 | — | — | — | — | — | — | $541,287 |
| Dallam County | 42 | $175,000 | $74,000 | 3.5% | — | — | 10.6% | $541,287 |
| Dallas County | 15,992 | $335,000 | $122,000 | 6.0% | 6.625% | $7,210 | 11.2% | $563,500 |
| Dawson County | 56 | $165,000 | $91,000 | 2.8% | — | — | 13.6% | $541,287 |
| Deaf Smith County | 94 | $195,000 | $76,000 | 3.5% | — | $5,060 | 10.1% | $541,287 |
| Delta County | 40 | $215,000 | $97,000 | 0.6% | — | — | 9.1% | $541,287 |
| Denton County | 14,616 | $395,000 | $145,000 | 10.0% | 6.500% | $7,210 | 9.0% | $563,500 |
| DeWitt County | 86 | $205,000 | $95,000 | 5.0% | 6.875% | $5,490 | 11.9% | $541,287 |
| Dickens County | 2 | — | — | — | — | — | — | $541,287 |
| Dimmit County | 15 | — | — | — | — | — | — | $541,287 |
| Donley County | 23 | — | — | — | — | — | — | $541,287 |
| Duval County | 15 | — | — | — | — | — | — | $541,287 |
| Eastland County | 95 | $185,000 | $84,000 | 3.5% | 6.875% | $4,960 | 12.3% | $541,287 |
| Ector County | 1,774 | $275,000 | $103,000 | 3.5% | 6.625% | $7,070 | 8.1% | $541,287 |
| Edwards County | 2 | — | — | — | — | — | — | $541,287 |
| Ellis County | 3,832 | $385,000 | $132,000 | 3.7% | 6.500% | $7,740 | 9.8% | $563,500 |
| El Paso County | 7,458 | $265,000 | $95,000 | 3.5% | 6.625% | $6,300 | 8.1% | $541,287 |
| Erath County | 228 | $295,000 | $124,000 | 10.0% | 6.875% | $6,180 | 11.8% | $541,287 |
| Falls County | 86 | $245,000 | $114,000 | 3.5% | 6.625% | $6,140 | 13.7% | $541,287 |
| Fannin County | 331 | $285,000 | $115,000 | 5.0% | 6.625% | $7,840 | 7.7% | $541,287 |
| Fayette County | 107 | $315,000 | $131,000 | 5.6% | 6.750% | $6,340 | 12.6% | $541,287 |
| Fisher County | 15 | — | — | — | — | — | — | $541,287 |
| Floyd County | 14 | — | — | — | — | — | — | $541,287 |
| Foard County | 1 | — | — | — | — | — | — | $541,287 |
| Fort Bend County | 10,944 | $345,000 | $135,000 | 10.0% | 6.500% | $7,170 | 11.9% | $541,287 |
| Franklin County | 72 | $225,000 | $106,000 | 5.0% | — | $5,930 | 14.6% | $541,287 |
| Freestone County | 102 | $225,000 | $100,000 | 5.0% | 6.750% | $5,660 | 13.3% | $541,287 |
| Frio County | 36 | $185,000 | $80,000 | 3.5% | — | — | 12.8% | $541,287 |
| Gaines County | 195 | $285,000 | $115,000 | 4.3% | 6.625% | $6,550 | 7.4% | $541,287 |
| Galveston County | 4,348 | $305,000 | $123,000 | 5.0% | 6.500% | $6,630 | 9.6% | $541,287 |
| Garza County | 11 | — | — | — | — | — | — | $541,287 |
| Gillespie County | 226 | $375,000 | $128,000 | 13.0% | 6.375% | $8,130 | 12.4% | $541,287 |
| Glasscock County | 2 | — | — | — | — | — | — | $813,050 |
| Goliad County | 30 | $325,000 | $153,000 | — | — | — | 21.9% | $541,287 |
| Gonzales County | 64 | $265,000 | $117,000 | 4.5% | — | — | 17.9% | $541,287 |
| Gray County | 146 | $155,000 | $85,000 | 5.0% | 6.625% | $4,660 | 8.4% | $541,287 |
| Grayson County | 2,006 | $305,000 | $118,000 | 5.0% | 6.500% | $7,150 | 8.6% | $541,287 |
| Gregg County | 969 | $245,000 | $95,000 | 5.0% | 6.750% | $5,560 | 8.3% | $541,287 |
| Grimes County | 292 | $345,000 | $137,000 | 5.0% | 6.625% | $7,230 | 11.9% | $541,287 |
| Guadalupe County | 3,609 | $285,000 | $99,000 | 3.5% | 6.125% | $5,800 | 9.6% | $557,750 |
| Hale County | 159 | $175,000 | $84,000 | 3.5% | 6.625% | $4,500 | 12.0% | $541,287 |
| Hall County | 21 | — | — | — | — | — | — | $541,287 |
| Hamilton County | 62 | $275,000 | $117,000 | 9.2% | — | — | 3.0% | $541,287 |
| Hansford County | 24 | — | — | — | — | — | — | $541,287 |
| Hardeman County | 12 | — | — | — | — | — | — | $541,287 |
| Hardin County | 490 | $255,000 | $115,000 | 5.0% | 6.625% | $5,970 | 5.8% | $541,287 |
| Harris County | 36,460 | $305,000 | $118,000 | 5.0% | 6.500% | $7,000 | 12.1% | $541,287 |
| Harrison County | 428 | $265,000 | $101,000 | 5.0% | 6.750% | $6,220 | 12.7% | $541,287 |
| Hartley County | 47 | $215,000 | $84,000 | 5.0% | — | — | 4.0% | $541,287 |
| Haskell County | 26 | — | — | — | — | — | 13.3% | $541,287 |
| Hays County | 4,599 | $325,000 | $122,000 | 5.0% | 6.375% | $6,820 | 10.8% | $571,550 |
| Hemphill County | 15 | — | — | — | — | — | — | $541,287 |
| Henderson County | 666 | $255,000 | $101,000 | 5.0% | 6.740% | $6,420 | 11.8% | $541,287 |
| Hidalgo County | 4,305 | $255,000 | $96,000 | 3.5% | 6.625% | $7,140 | 12.5% | $541,287 |
| Hill County | 288 | $255,000 | $103,000 | 3.5% | 6.875% | $6,540 | 12.6% | $541,287 |
| Hockley County | 142 | $195,000 | $89,000 | 3.5% | 6.625% | $6,460 | 7.6% | $541,287 |
| Hood County | 980 | $315,000 | $118,000 | 5.0% | 6.625% | $6,400 | 7.9% | $541,287 |
| Hopkins County | 260 | $255,000 | $103,000 | 5.8% | 6.625% | $5,260 | 11.9% | $541,287 |
| Houston County | 83 | $225,000 | $98,000 | 5.0% | 6.750% | $5,930 | 26.5% | $541,287 |
| Howard County | 219 | $215,000 | $101,000 | 3.5% | 6.750% | $6,590 | 8.9% | $541,287 |
| Hudspeth County | 21 | — | — | — | — | — | — | $541,287 |
| Hunt County | 1,424 | $285,000 | $103,000 | 3.5% | 6.624% | $7,010 | 12.7% | $563,500 |
| Hutchinson County | 162 | $165,000 | $87,000 | 3.5% | 6.500% | $4,880 | 5.4% | $541,287 |
| Irion County | 3 | — | — | — | — | — | — | $541,287 |
| Jack County | 62 | $295,000 | $114,000 | 5.0% | — | — | 1.5% | $541,287 |
| Jackson County | 76 | $195,000 | $95,000 | 3.5% | 6.999% | $5,430 | 15.0% | $541,287 |
| Jasper County | 183 | $225,000 | $99,000 | 3.5% | 6.625% | $6,300 | 9.0% | $541,287 |
| Jeff Davis County | 11 | — | — | — | — | — | — | $541,287 |
| Jefferson County | 1,584 | $215,000 | $97,000 | 3.5% | 6.625% | $6,470 | 11.4% | $541,287 |
| Jim Hogg County | 10 | — | — | — | — | — | — | $541,287 |
| Jim Wells County | 132 | $245,000 | $114,000 | 3.5% | 6.700% | $5,620 | 19.8% | $541,287 |
| Johnson County | 3,197 | $335,000 | $121,000 | 4.3% | 6.500% | $7,800 | 9.0% | $563,500 |
| Jones County | 94 | $215,000 | $106,000 | 3.5% | 6.875% | $5,250 | 8.3% | $541,287 |
| Karnes County | 44 | $205,000 | $98,000 | 3.5% | — | — | 9.6% | $541,287 |
| Kaufman County | 3,880 | $295,000 | $99,000 | 3.5% | 6.490% | $6,860 | 15.8% | $563,500 |
| Kendall County | 798 | $455,000 | $173,000 | 15.0% | 6.375% | $7,760 | 7.5% | $557,750 |
| Kenedy County | 0 | — | — | — | — | — | — | $541,287 |
| Kent County | 5 | — | — | — | — | — | — | $541,287 |
| Kerr County | 336 | $295,000 | $112,000 | 10.0% | 6.625% | $5,950 | 7.0% | $541,287 |
| Kimble County | 14 | — | — | — | — | — | — | $541,287 |
| King County | 0 | — | — | — | — | — | — | $541,287 |
| Kinney County | 14 | — | — | — | — | — | — | $541,287 |
| Kleberg County | 149 | $235,000 | $106,000 | 3.5% | 6.750% | $5,130 | 8.3% | $541,287 |
| Knox County | 15 | — | — | — | — | — | — | $541,287 |
| Lamar County | 299 | $235,000 | $96,000 | 5.0% | 6.625% | $5,850 | 9.9% | $541,287 |
| Lamb County | 61 | $165,000 | $74,000 | 3.5% | — | — | 9.9% | $541,287 |
| Lampasas County | 265 | $295,000 | $104,000 | 0.0% | 6.750% | $5,170 | 9.8% | $541,287 |
| La Salle County | 7 | — | — | — | — | — | — | $541,287 |
| Lavaca County | 93 | $245,000 | $105,000 | 5.0% | 6.750% | $5,430 | 22.4% | $541,287 |
| Lee County | 70 | $325,000 | $119,000 | 5.0% | — | — | 14.0% | $541,287 |
| Leon County | 111 | $285,000 | $124,000 | 10.0% | 6.875% | $7,560 | 11.3% | $541,287 |
| Liberty County | 977 | $285,000 | $108,000 | 3.5% | 6.500% | $7,130 | 16.2% | $541,287 |
| Limestone County | 77 | $195,000 | $96,000 | 4.0% | — | $5,770 | 23.1% | $541,287 |
| Lipscomb County | 12 | — | — | — | — | — | — | $541,287 |
| Live Oak County | 54 | $275,000 | $119,000 | 5.0% | — | $7,280 | 13.2% | $541,287 |
| Llano County | 162 | $405,000 | $144,000 | 20.0% | 6.750% | $6,890 | 10.6% | $541,287 |
| Loving County | 0 | — | — | — | — | — | — | $541,287 |
| Lubbock County | 3,620 | $235,000 | $102,000 | 5.0% | 6.500% | $5,200 | 5.4% | $541,287 |
| Lynn County | 43 | $295,000 | $132,000 | 3.5% | — | — | 6.5% | $541,287 |
| McCulloch County | 30 | $135,000 | $71,000 | — | — | — | 8.6% | $541,287 |
| McLennan County | 2,315 | $285,000 | $108,000 | 5.0% | 6.625% | $5,720 | 8.2% | $541,287 |
| McMullen County | 1 | — | — | — | — | — | — | $541,287 |
| Madison County | 61 | $275,000 | $125,000 | 3.5% | — | — | 14.9% | $541,287 |
| Marion County | 38 | $185,000 | $92,000 | — | — | — | 29.8% | $541,287 |
| Martin County | 34 | $305,000 | $121,000 | 3.5% | — | — | 5.3% | $541,287 |
| Mason County | 12 | — | — | — | — | — | — | $541,287 |
| Matagorda County | 228 | $235,000 | $108,000 | 3.5% | 6.625% | $5,700 | 15.0% | $541,287 |
| Maverick County | 249 | $265,000 | $88,000 | 0.6% | 6.875% | $8,140 | 5.6% | $541,287 |
| Medina County | 809 | $365,000 | $129,000 | 3.5% | 6.500% | $7,110 | 9.4% | $557,750 |
| Menard County | 3 | — | — | — | — | — | — | $541,287 |
| Midland County | 2,817 | $325,000 | $124,000 | 3.5% | 6.625% | $6,820 | 6.5% | $541,287 |
| Milam County | 165 | $265,000 | $110,000 | 3.5% | 6.750% | $6,110 | 12.1% | $541,287 |
| Mills County | 29 | — | — | — | — | — | 9.4% | $541,287 |
| Mitchell County | 39 | $165,000 | $78,000 | 3.5% | — | — | 9.1% | $541,287 |
| Montague County | 168 | $245,000 | $113,000 | 5.0% | 6.750% | $6,270 | 7.0% | $541,287 |
| Montgomery County | 12,790 | $295,000 | $120,000 | 5.0% | 6.500% | $6,950 | 10.8% | $541,287 |
| Moore County | 176 | $195,000 | $81,000 | 3.5% | 6.625% | $5,330 | 11.3% | $541,287 |
| Morris County | 86 | $175,000 | $81,000 | 3.5% | — | — | 17.4% | $541,287 |
| Motley County | 4 | — | — | — | — | — | — | $541,287 |
| Nacogdoches County | 336 | $225,000 | $101,000 | 10.0% | 6.625% | $5,140 | 9.7% | $541,287 |
| Navarro County | 383 | $255,000 | $97,000 | 3.5% | 6.875% | $6,120 | 9.5% | $541,287 |
| Newton County | 29 | — | — | — | — | — | 13.2% | $541,287 |
| Nolan County | 80 | $185,000 | $103,000 | 5.0% | 6.875% | $4,980 | 9.9% | $541,287 |
| Nueces County | 3,011 | $275,000 | $105,000 | 3.5% | 6.500% | $5,690 | 11.3% | $541,287 |
| Ochiltree County | 52 | $155,000 | $88,000 | 3.5% | — | — | 5.1% | $541,287 |
| Oldham County | 12 | — | — | — | — | — | — | $541,287 |
| Orange County | 709 | $225,000 | $103,000 | 3.5% | 6.625% | $5,870 | 11.2% | $541,287 |
| Palo Pinto County | 188 | $225,000 | $98,000 | 3.5% | 6.625% | $5,880 | 10.2% | $541,287 |
| Panola County | 104 | $235,000 | $98,000 | 4.0% | 6.875% | $5,470 | 12.1% | $541,287 |
| Parker County | 2,670 | $405,000 | $153,000 | 10.0% | 6.625% | $7,800 | 6.6% | $563,500 |
| Parmer County | 34 | $195,000 | $75,000 | 3.5% | — | — | 23.9% | $541,287 |
| Pecos County | 69 | $255,000 | $110,000 | 3.5% | — | — | 11.4% | $541,287 |
| Polk County | 233 | $235,000 | $101,000 | 5.0% | 6.625% | $6,310 | 13.4% | $541,287 |
| Potter County | 702 | $185,000 | $84,000 | 3.5% | 6.500% | $4,770 | 5.8% | $541,287 |
| Presidio County | 9 | — | — | — | — | — | — | $541,287 |
| Rains County | 109 | $325,000 | $124,000 | 5.0% | 6.875% | $6,010 | 8.9% | $541,287 |
| Randall County | 1,897 | $255,000 | $107,000 | 5.0% | 6.500% | $5,180 | 3.0% | $541,287 |
| Reagan County | 5 | — | — | — | — | — | — | $541,287 |
| Real County | 12 | — | — | — | — | — | — | $541,287 |
| Red River County | 62 | $205,000 | $90,000 | 3.0% | — | — | 5.9% | $541,287 |
| Reeves County | 63 | $295,000 | $108,000 | 3.5% | — | — | 12.2% | $541,287 |
| Refugio County | 37 | $175,000 | $92,000 | 3.5% | — | — | 9.5% | $541,287 |
| Roberts County | 7 | — | — | — | — | — | — | $541,287 |
| Robertson County | 111 | $265,000 | $109,000 | 5.1% | 6.625% | $7,020 | 10.8% | $541,287 |
| Rockwall County | 2,277 | $385,000 | $145,000 | 10.0% | 6.375% | $7,600 | 7.3% | $563,500 |
| Runnels County | 55 | $155,000 | $84,000 | 5.0% | — | — | 12.3% | $541,287 |
| Rusk County | 352 | $225,000 | $100,000 | 3.8% | 6.875% | $5,120 | 9.2% | $541,287 |
| Sabine County | 58 | $215,000 | $88,000 | 5.0% | — | — | 15.8% | $541,287 |
| San Augustine County | 25 | — | — | — | — | — | 21.9% | $541,287 |
| San Jacinto County | 189 | $255,000 | $112,000 | 5.0% | 6.875% | $7,830 | 12.0% | $541,287 |
| San Patricio County | 696 | $265,000 | $105,000 | 3.5% | 6.500% | $5,930 | 10.5% | $541,287 |
| San Saba County | 19 | — | — | — | — | — | 26.7% | $541,287 |
| Schleicher County | 8 | — | — | — | — | — | — | $541,287 |
| Scurry County | 95 | $175,000 | $97,000 | 3.5% | 6.625% | $5,330 | 4.0% | $541,287 |
| Shackelford County | 12 | — | — | — | — | — | — | $541,287 |
| Shelby County | 92 | $195,000 | $91,000 | 5.0% | — | $6,190 | 14.3% | $541,287 |
| Sherman County | 22 | — | — | — | — | — | 28.1% | $541,287 |
| Smith County | 2,179 | $275,000 | $110,000 | 6.1% | 6.625% | $6,000 | 8.6% | $541,287 |
| Somervell County | 88 | $345,000 | $130,000 | 17.7% | 6.500% | $7,940 | 9.9% | $541,287 |
| Starr County | 118 | $235,000 | $88,000 | 3.5% | — | — | 14.2% | $541,287 |
| Stephens County | 39 | $205,000 | $102,000 | 8.0% | — | — | 4.5% | $541,287 |
| Sterling County | 1 | — | — | — | — | — | — | $541,287 |
| Stonewall County | 3 | — | — | — | — | — | — | $541,287 |
| Sutton County | 9 | — | — | — | — | — | — | $541,287 |
| Swisher County | 50 | $155,000 | $68,000 | 3.5% | — | — | 12.9% | $541,287 |
| Tarrant County | 19,014 | $325,000 | $114,000 | 5.0% | 6.624% | $6,800 | 9.4% | $563,500 |
| Taylor County | 1,920 | $245,000 | $99,000 | 3.5% | 6.625% | $5,150 | 4.7% | $541,287 |
| Terrell County | 3 | — | — | — | — | — | — | $541,287 |
| Terry County | 55 | $165,000 | $98,000 | 5.0% | — | — | 9.8% | $541,287 |
| Throckmorton County | 1 | — | — | — | — | — | — | $541,287 |
| Titus County | 153 | $245,000 | $98,000 | 3.5% | 6.875% | $4,360 | 8.0% | $541,287 |
| Tom Green County | 1,184 | $245,000 | $101,000 | 3.5% | 6.625% | $5,960 | 5.0% | $541,287 |
| Travis County | 11,441 | $415,000 | $166,000 | 20.0% | 6.500% | $7,540 | 7.8% | $571,550 |
| Trinity County | 86 | $205,000 | $96,000 | 5.0% | 6.625% | $6,250 | 15.2% | $541,287 |
| Tyler County | 111 | $215,000 | $99,000 | 5.0% | 6.500% | $7,190 | 15.9% | $541,287 |
| Upshur County | 316 | $235,000 | $93,000 | 5.0% | 6.625% | $5,650 | 11.3% | $541,287 |
| Upton County | 16 | — | — | — | — | — | — | $541,287 |
| Uvalde County | 85 | $225,000 | $95,000 | 3.5% | — | — | 16.8% | $541,287 |
| Val Verde County | 288 | $245,000 | $92,000 | 3.5% | 6.625% | $6,720 | 9.6% | $541,287 |
| Van Zandt County | 465 | $285,000 | $111,000 | 5.0% | 6.740% | $6,990 | 12.6% | $541,287 |
| Victoria County | 600 | $245,000 | $103,000 | 3.9% | 6.625% | $5,460 | 11.7% | $541,287 |
| Walker County | 413 | $265,000 | $112,000 | 10.0% | 6.625% | $7,280 | 9.3% | $541,287 |
| Waller County | 1,672 | $305,000 | $110,000 | 3.5% | 6.450% | $7,180 | 15.6% | $541,287 |
| Ward County | 68 | $245,000 | $117,000 | 3.5% | — | — | 9.8% | $541,287 |
| Washington County | 297 | $275,000 | $113,000 | 5.0% | 6.625% | $6,500 | 8.0% | $541,287 |
| Webb County | 1,729 | $255,000 | $85,000 | 3.5% | 6.625% | $8,220 | 10.0% | $541,287 |
| Wharton County | 227 | $225,000 | $101,000 | 3.5% | 6.750% | $6,400 | 15.9% | $541,287 |
| Wheeler County | 20 | — | — | — | — | — | — | $541,287 |
| Wichita County | 1,051 | $205,000 | $89,000 | 3.5% | 6.625% | $4,340 | 5.9% | $541,287 |
| Wilbarger County | 62 | $145,000 | $79,000 | 3.5% | — | — | 7.2% | $541,287 |
| Willacy County | 38 | $215,000 | $86,000 | 3.5% | — | — | 26.8% | $541,287 |
| Williamson County | 10,279 | $375,000 | $140,000 | 10.0% | 6.375% | $6,760 | 7.6% | $571,550 |
| Wilson County | 507 | $395,000 | $139,000 | 3.5% | 6.500% | $7,570 | 10.4% | $557,750 |
| Winkler County | 33 | $225,000 | $99,000 | 3.5% | — | — | 10.5% | $541,287 |
| Wise County | 1,325 | $335,000 | $121,000 | 5.0% | 6.500% | $7,070 | 10.6% | $563,500 |
| Wood County | 403 | $235,000 | $99,000 | 8.0% | 6.625% | $5,840 | 8.9% | $541,287 |
| Yoakum County | 35 | $215,000 | $95,000 | 3.5% | — | — | 20.0% | $541,287 |
| Young County | 115 | $185,000 | $93,000 | 5.0% | 6.750% | $4,890 | 11.3% | $541,287 |
| Zapata County | 22 | — | — | — | — | — | — | $541,287 |
| Zavala County | 12 | — | — | — | — | — | — | $541,287 |
Who bought homes in Texas
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Purchase loans
292,354
of 336,257 applications
Buyer income
$118,000
Middle half $83,000–$176,000
Home value
$355,000
Middle half $275,000–$495,000
Loan amount
$315,000
Middle half $245,000–$425,000
Down payment
5%
30.2% put 20%+ down
Single borrower
52.9%
No co-applicant
Values are medians; "middle half" is the 25th to 75th percentile.
Loan type
What the homes were for
All first-lien, closed-end purchase mortgages, including second homes and investors.
Borrower age
Debt-to-income ratio
Monthly debts (including the new payment) as a share of income, as used in underwriting.
What borrowing cost in Texas
Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.
| Measure | Texas | U.S. |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 5.990% | 6.250% |
| 30-year fixed rate · VA | 5.990% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.09 pts | +0.13 pts |
| Total loan costs · conventional | $6,860 | $5,570 |
| Total loan costs · FHA | $11,110 | $11,310 |
| Total loan costs · VA | $6,730 | $6,490 |
| Origination charges (all loan types) | $1,950 | $1,860 |
| Borrowers paying discount points | 60.7% | 51.3% |
| Points paid, when paid (% of loan) | 1.06% | 0.87% |
| Borrowers receiving lender credits | 30.4% | 33.1% |
| Adjustable-rate mortgages | 4.7% | 7.4% |
| Jumbo loans (above conforming limit) | 3.2% | 3.8% |
Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.
Approvals and denials
Texas: 34,224 of 336,257 completed home-purchase applications were denied (10.2%).
Denial rate
| Application | Texas | U.S. |
|---|---|---|
| Home purchase | 10.2% | 8.5% |
| Conventional | 8.8% | 7.1% |
| FHA | 12.7% | 12.5% |
| VA | 9.1% | 8.0% |
| USDA | 14.7% | 12.5% |
| Refinance | 24.4% | 17.9% |
| Cash-out refinance | 32.8% | 33.6% |
Main reason for purchase denials
First reason the lender reported.
Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.
Refinancing in Texas
Refinances
51,534
Median loan $365,000
Refi rate
6.50%
30-yr fixed, conv.
Refi loan costs
$6,390
Conventional
Cash-out refis
33,555
Median loan $205,000
Cash-out rate
7.00%
30-yr fixed, conv.
Cash-out income
$107,000
Median borrower
Top mortgage lenders in Texas
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage (UWM) | 38,010 | 10.1% | 8.9% | 6.624% | +0.18 | $7,750 |
| 2 | Rocket Mortgage, LLC | 23,452 | 6.2% | 14.2% | 6.625% | +0.16 | $6,900 |
| 3 | DHI Mortgage Company, Ltd. | 16,650 | 4.4% | 16.6% | 4.990% | −1.26 | $3,950 |
| 4 | Lennar Mortgage, LLC | 13,142 | 3.5% | 23.2% | 4.750% | −1.73 | $4,020 |
| 5 | JPMorgan Chase Bank, N.A. | 8,392 | 2.2% | 10.1% | 6.500% | −0.04 | $5,460 |
| 6 | CMG Mortgage, Inc. | 8,216 | 2.2% | 3.9% | 6.625% | +0.12 | $7,780 |
| 7 | loanDepot.com, LLC | 6,871 | 1.8% | 18.8% | 4.990% | −1.12 | $6,950 |
| 8 | Veterans United Home Loans | 6,663 | 1.8% | 9.4% | 6.375% | +0.11 | $4,350 |
| 9 | Fairway Independent Mortgage Corporation | 6,607 | 1.8% | 3.0% | 6.750% | +0.27 | $7,590 |
| 10 | CrossCountry Mortgage, Inc. | 6,592 | 1.8% | 2.2% | 6.875% | +0.39 | $10,020 |
| 11 | Freedom Mortgage Corporation | 5,615 | 1.5% | 12.8% | 6.625% | +0.17 | $9,290 |
| 12 | Guild Mortgage Company | 5,503 | 1.5% | 3.6% | 6.625% | +0.27 | $7,760 |
| 13 | Primelending, a Plainscapital Company | 5,478 | 1.5% | 4.9% | 6.490% | −0.09 | $7,950 |
| 14 | Pennymac Loan Services, LLC | 4,712 | 1.3% | 15.7% | 6.625% | +0.13 | $7,930 |
| 15 | New American Funding | 3,938 | 1.0% | 5.0% | 6.750% | +0.42 | $7,860 |
| 16 | Ark-La-Tex Financial Services, LLC. | 3,935 | 1.0% | 2.9% | 6.625% | +0.17 | $4,570 |
| 17 | Newrez LLC | 3,808 | 1.0% | 11.3% | 6.625% | +0.29 | $7,380 |
| 18 | Velocio Mortgage L.L.C. | 3,071 | 0.8% | 4.5% | 4.990% | −1.49 | $6,860 |
| 19 | Pulte Mortgage LLC | 2,964 | 0.8% | 17.3% | 5.500% | −0.78 | $890 |
| 20 | Kind Lending, LLC | 2,832 | 0.8% | 22.0% | 6.625% | +0.28 | $8,870 |
| 21 | Rate | 2,827 | 0.8% | 5.4% | 6.625% | +0.17 | $7,240 |
| 22 | Highlands Residential Mortgage, Ltd. | 2,825 | 0.8% | 1.6% | 6.625% | +0.25 | $8,230 |
| 23 | SFMC, LP | 2,804 | 0.7% | 4.3% | 6.490% | +0.10 | $9,260 |
| 24 | Union Home Mortgage Corp. | 2,763 | 0.7% | 4.8% | 6.500% | +0.18 | $8,120 |
| 25 | Paramount Residential Mortgage Group, Inc. | 2,758 | 0.7% | 3.0% | 6.625% | +0.17 | $7,700 |
Largest lenders in Texas by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
Metro areas in Texas
- Houston-Pasadena-The Woodlands, TX · 73,503 purchases
- Dallas-Plano-Irving, TX · 59,075 purchases
- San Antonio-New Braunfels, TX · 30,564 purchases
- Austin-Round Rock-San Marcos, TX · 27,941 purchases
- Fort Worth-Arlington-Grapevine, TX · 26,206 purchases
- El Paso, TX · 7,479 purchases
- Killeen-Temple, TX · 6,797 purchases
- McAllen-Edinburg-Mission, TX · 4,305 purchases
- Corpus Christi, TX · 3,976 purchases
- Lubbock, TX · 3,847 purchases
- Beaumont-Port Arthur, TX · 2,783 purchases
- Amarillo, TX · 2,687 purchases
- Waco, TX · 2,509 purchases
- Midland, TX · 2,851 purchases
- Brownsville-Harlingen, TX · 2,191 purchases
- Tyler, TX · 2,179 purchases
- Longview, TX · 2,065 purchases
- College Station-Bryan, TX · 2,304 purchases
- Abilene, TX · 2,168 purchases
- Sherman-Denison, TX · 2,006 purchases
- Odessa, TX · 1,774 purchases
- Laredo, TX · 1,729 purchases
- Wichita Falls, TX · 1,255 purchases
- San Angelo, TX · 1,187 purchases
- Texarkana, TX-AR · 895 purchases
- Victoria, TX · 630 purchases
- Eagle Pass, TX · 249 purchases
Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology