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MARKET BENCHMARKS · HMDA PUBLIC DATA

Texas mortgage market benchmarks

Texas origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

526,689

+7.1% vs 2024

2024: 491,716

Volume 2025

$186.23B

originated $
2024: $172.33B

Denial rate 2025

19.4%

denied / actioned
2024: 20.4% denied / actioned

Reporting lenders 2025

1,588

HMDA reporters
2024: 1,586 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$125B$250B$375B$500B20182019202020212022202320242025$186.23B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%12.3%24.6%2018201920202021202220232024202519.4%

Texas market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
20251,588967,352526,689$186.23B2025 origination volume526,689 loans originated19.4%2025 denial rate967,352 applications actioned67.6%34.8%
20241,586907,834491,716$172.33B2024 origination volume491,716 loans originated20.4%2024 denial rate907,834 applications actioned72.8%28.1%
20231,631885,359464,576$158.23B2023 origination volume464,576 loans originated21.4%2023 denial rate885,359 applications actioned76.5%23.7%
20221,6021,200,115640,348$229.25B2022 origination volume640,348 loans originated18.6%2022 denial rate1,200,115 applications actioned65.8%43.2%
20211,5401,738,5261,027,971$304.65B2021 origination volume1,027,971 loans originated14.2%2021 denial rate1,738,526 applications actioned46.6%65.0%
20201,4781,689,1291,007,975$276.88B2020 origination volume1,007,975 loans originated14.3%2020 denial rate1,689,129 applications actioned45.5%61.8%
20191,5271,091,232631,065$168.37B2019 origination volume631,065 loans originated17.9%2019 denial rate1,091,232 applications actioned64.4%41.8%
20181,495953,051545,317$137.61B2018 origination volume545,317 loans originated19.8%2018 denial rate953,051 applications actioned69.6%36.3%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

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