Mortgage Approval and Denial Rates in Texas (2025 HMDA)

Mortgage denial rates in Texas: lenders acted on 951,955 mortgage applications in Texas in 2025 and denied 19.3% of them, down from 20.2% in 2024. The national denial rate was 17.7%.

Applications acted on

951,955

Loans originated

524,257

Denial rate

19.3%

Median loan

$245,000

Texas against the national picture

Texas denial rate19.3%
National denial rate17.7%
Texas, 202420.2%

Most-reported denial reason in Texas: Debt-to-income ratio.

Counties ranked by denial rate

CountyApplicationsDenial rateMedian loan
Duval County14537.2%$115,000
Madison County50236.9%$165,000
Liberty County6,64436.8%$135,000
Gonzales County62336.0%$145,000
San Augustine County26136.0%$105,000
Crane County14235.2%$145,000
Marion County35435.0%$145,000
Newton County42134.7%$115,000
Tyler County82134.6%$125,000
Zavala County13334.6%$115,000
Houston County65034.5%$135,000
Frio County40634.5%$155,000
Winkler County18834.0%$155,000
Refugio County22533.8%$145,000
Lee County57733.6%$175,000
Kimble County11633.6%$155,000
La Salle County11333.6%$105,000
Willacy County24033.3%$125,000
Parmer County13833.3%$135,000
McCulloch County12532.0%$135,000
Shelby County64931.7%$135,000
Anderson County1,48431.5%$135,000
Jasper County1,31231.2%$125,000
Terry County22831.1%$135,000
Zapata County18130.9%$115,000
Starr County65030.6%$155,000
Polk County1,78030.2%$145,000
Dimmit County13129.8%$145,000
Castro County10129.7%$145,000
Falls County46629.6%$145,000
Deaf Smith County42329.6%$135,000
Lamb County22629.6%$115,000
Hockley County79029.5%$145,000
San Jacinto County1,39029.2%$155,000
Panola County70229.1%$155,000
Leon County70129.1%$165,000
Red River County32029.1%$125,000
Cass County1,01029.0%$135,000
Crosby County10029.0%$115,000
Atascosa County2,21228.9%$175,000
Gaines County1,08428.8%$185,000
Bailey County11128.8%$125,000
Grimes County1,42028.6%$205,000
Sabine County43928.5%$145,000
Ector County6,90428.2%$195,000
Freestone County78628.1%$145,000
Hardin County2,46627.9%$145,000
Pecos County34427.9%$155,000
Mitchell County14027.9%$140,000
Cherokee County1,68427.7%$155,000
Bee County59027.6%$155,000
Yoakum County17427.6%$165,000
Limestone County73127.5%$155,000
Shackelford County10327.2%$135,000
Robertson County70127.0%$165,000
Wharton County1,03526.9%$175,000
Jim Wells County85226.6%$155,000
Moore County56326.6%$155,000
Reeves County32026.6%$175,000
Hale County55826.5%$125,000
Trinity County52726.2%$145,000
Burleson County95726.1%$165,000
Jackson County36926.0%$145,000
Colorado County63025.9%$165,000
Dallam County19025.8%$135,000
Van Zandt County2,35625.7%$185,000
Jones County65125.7%$145,000
Caldwell County2,11225.6%$195,000
Fayette County69825.6%$195,000
Walker County1,83025.2%$175,000
Henderson County3,60925.0%$175,000
Bastrop County5,01124.9%$235,000
Washington County1,32124.8%$205,000
Harrison County2,28724.6%$145,000
Rusk County1,71224.6%$155,000
Martin County34124.6%$185,000
Nolan County31724.6%$145,000
Victoria County2,15124.4%$175,000
Navarro County2,01924.4%$175,000
Eastland County52124.4%$145,000
Angelina County2,25624.3%$155,000
Milam County80324.2%$195,000
Hidalgo County17,14424.1%$185,000
Austin County1,11224.1%$215,000
Calhoun County53623.9%$175,000
Uvalde County47323.9%$165,000
Runnels County19723.9%$135,000
Bowie County2,69023.8%$145,000
Morris County42823.8%$145,000
Comanche County40023.8%$165,000
Hutchinson County61923.7%$125,000
Coleman County21223.6%$135,000
Nacogdoches County1,55323.5%$155,000
Orange County2,75123.4%$145,000
Hill County1,47223.3%$185,000
Matagorda County88923.3%$185,000
Titus County71823.3%$170,000
Upshur County1,64923.1%$165,000
Camp County42923.1%$155,000
DeWitt County44023.0%$155,000
Live Oak County30923.0%$155,000
Aransas County1,38522.9%$205,000
Stephens County24922.9%$125,000
Maverick County83722.8%$185,000
Bandera County97022.5%$205,000
Karnes County28022.5%$145,000
Brown County1,03922.4%$165,000
Cameron County8,21122.1%$195,000
Ward County37522.1%$165,000
Webb County5,31822.0%$195,000
Medina County3,10322.0%$255,000
Kerr County1,61521.9%$205,000
Haskell County11021.8%$125,000
Smith County8,37421.6%$195,000
Dawson County18521.6%$125,000
Waller County4,76621.3%$275,000
Franklin County44621.3%$180,000
Hopkins County1,25121.2%$175,000
Kleberg County54920.9%$165,000
San Patricio County2,42720.8%$205,000
Montague County76920.8%$185,000
Harris County116,92020.7%$245,000
Hunt County5,08920.7%$235,000
Wood County1,91720.6%$165,000
Lavaca County51520.6%$165,000
Goliad County20520.5%$195,000
Nueces County10,70720.4%$205,000
Lamar County1,12120.2%$165,000
Fannin County1,47420.1%$215,000
Kaufman County10,37020.0%$265,000
Midland County7,79619.9%$255,000
Callahan County56719.9%$165,000
Scurry County37719.9%$135,000
Delta County16619.9%$155,000
Dallas County57,80919.8%$265,000
Brazoria County14,98019.8%$255,000
Wise County4,16019.8%$275,000
Gregg County3,35219.7%$175,000
Andrews County61319.7%$225,000
Lynn County18319.7%$185,000
Val Verde County85019.6%$205,000
Montgomery County35,32919.2%$255,000
Erath County1,09219.2%$225,000
Gillespie County1,07919.2%$325,000
Fort Bend County31,94719.1%$295,000
Wilson County2,29019.1%$235,000
Bosque County57019.1%$165,000
Young County40919.1%$165,000
Hamilton County19919.1%$185,000
Mills County12619.0%$190,000
Jefferson County5,48518.9%$155,000
Chambers County2,57318.9%$285,000
Howard County77418.9%$155,000
Lampasas County1,03418.8%$255,000
Llano County94418.8%$265,000
Swisher County14918.8%$125,000
Jack County26818.7%$205,000
Bexar County65,88418.6%$225,000
Cooke County1,49718.6%$235,000
Potter County2,92318.5%$135,000
Grayson County7,04118.4%$225,000
Palo Pinto County1,03318.3%$195,000
El Paso County23,30918.2%$205,000
Tarrant County59,73618.1%$265,000
Ochiltree County14918.1%$135,000
Rains County47318.0%$215,000
Galveston County13,77117.8%$255,000
Burnet County2,42517.8%$275,000
Wilbarger County23017.8%$120,000
Brazos County6,26117.6%$245,000
Johnson County9,20517.4%$275,000
Clay County35817.3%$155,000
Ellis County10,65117.2%$315,000
Parker County8,49317.1%$305,000
Blanco County53116.9%$335,000
Gray County44716.8%$125,000
Brewster County18416.8%$205,000
Hartley County14316.8%$195,000
Coryell County2,61016.7%$205,000
Somervell County37316.6%$255,000
Bell County16,17316.3%$245,000
Travis County35,01416.2%$345,000
Hays County11,84116.2%$295,000
McLennan County7,71116.1%$215,000
Denton County42,94716.0%$345,000
Childress County10616.0%$125,000
Guadalupe County9,63415.8%$245,000
Hood County3,27215.3%$245,000
Rockwall County6,04215.1%$335,000
Collin County51,16014.8%$355,000
Comal County9,05714.8%$305,000
Donley County10914.7%$105,000
Wichita County3,29614.5%$155,000
Carson County20214.4%$155,000
Williamson County27,41414.3%$325,000
Lubbock County9,98014.1%$185,000
Randall County5,73214.1%$195,000
Tom Green County3,22513.6%$205,000
Taylor County5,34513.1%$195,000
Kendall County2,18712.7%$395,000
Archer County29010.7%$215,000

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Reading these numbers

The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.

Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.