Today's Texas (TX) Mortgage Rates

Texas (TX) Mortgage Rates & Mortgage Loan Data – Prior Year

Mortgage Actions Taken

Loan originated: 4,838,188
Loan purchased by the institution: 2,337,776
Application denied by financial institution: 1,947,993
Application withdrawn by applicant: 964,113
Application approved but not accepted: 511,685
File closed for incompleteness: 296,061
Preapproval request denied by financial institution: 2,958
Preapproval request approved but not accepted: 1,083

Purpose of Loans

Home purchase: 5,544,402
Refinancing: 4,609,624
Home improvement: 745,831

Mortgage Types

Conventional: 7,907,979
FHA-insured: 2,167,707
VA-guaranteed: 712,497
FSA/RHS-guaranteed: 111,674

Mortage Actions by Applicant Race

White: 7,263,122
Information not provided by applicant in mail, Internet, or telephone application: 1,285,945
Not applicable: 1,058,947
Black or African American: 697,655
Asian: 478,550
American Indian or Alaska Native: 82,368
Native Hawaiian or Other Pacific Islander: 33,270

Mortage Actions by Applicant Ethnicity

Not Hispanic or Latino: 6,655,277
Hispanic or Latino: 2,011,527
Information not provided by applicant in mail, Internet, or telephone application: 1,170,592
Not applicable: 1,062,461

Mortage Actions by Applicant Sex

Male: 6,515,348
Female: 2,608,363
Not applicable: 1,060,401
Information not provided by applicant in mail, Internet, or telephone application: 715,745

Mortage Actions by Agency Name

Department of Housing and Urban Development: 3,497,299
Office of the Comptroller of the Currency: 2,486,067
Consumer Financial Protection Bureau: 2,357,838
Federal Reserve System: 741,032
Office of Thrift Supervision: 685,684
Federal Deposit Insurance Corporation: 597,719
National Credit Union Administration: 534,218

Mortage Actions by County

Harris County: 1,605,004
Tarrant County: 890,088
Dallas County: 880,573
Bexar County: 793,410
Travis County: 630,989
Collin County: 574,998
Denton County: 477,275
Fort Bend County: 403,302
Williamson County: 322,270
El Paso County: 304,432
Montgomery County: 285,216
Hidalgo County: 167,610
Galveston County: 162,085
Bell County: 161,836
Brazoria County: 152,195
Nueces County: 127,517
Lubbock County: 120,637
Hays County: 102,356
Cameron County: 97,766
Guadalupe County: 86,454
Smith County: 85,932
McLennan County: 82,482
Ellis County: 79,597
Comal County: 79,521
Midland County: 74,635
Brazos County: 72,449
Johnson County: 70,779
Parker County: 68,877
Randall County: 67,791
Webb County: 66,800
Jefferson County: 66,189
Rockwall County: 64,097
Kaufman County: 61,124
Taylor County: 53,100
Ector County: 49,840
Grayson County: 49,163
Unknown: 44,393
Wichita County: 44,374
Gregg County: 42,868
Tom Green County: 42,539
Potter County: 35,519
Bastrop County: 31,928
Bowie County: 31,585
Henderson County: 30,959
Victoria County: 29,148
Hunt County: 28,522
Wise County: 28,035
Orange County: 27,691
Hood County: 27,588
Coryell County: 24,987
Harrison County: 23,757
Kendall County: 22,928
San Patricio County: 22,921
Wilson County: 21,192
Hardin County: 21,051
Liberty County: 20,697
Angelina County: 20,208
Burnet County: 20,075
Chambers County: 19,611
Medina County: 17,130
Kerr County: 16,878
Rusk County: 16,014
Nacogdoches County: 14,993
Van Zandt County: 14,813
Waller County: 14,657
Atascosa County: 14,097
Walker County: 13,600
Upshur County: 13,579
Cooke County: 13,346
Aransas County: 12,420
Wood County: 12,382
Anderson County: 12,220
Llano County: 11,936
Cherokee County: 11,897
Navarro County: 11,819
Val Verde County: 11,542
Polk County: 11,302
Erath County: 10,826
Austin County: 10,794
Caldwell County: 10,778
Washington County: 10,673
Jim Wells County: 10,615
Maverick County: 10,355
Fannin County: 10,038
Wharton County: 9,870
Bandera County: 9,608
Hill County: 9,378
Lampasas County: 9,321
Matagorda County: 9,276
Gillespie County: 9,101
Jasper County: 8,838
Palo Pinto County: 8,632
Howard County: 8,398
San Jacinto County: 8,341
Brown County: 8,118
Lamar County: 8,078
Cass County: 8,058
Titus County: 7,966
Kleberg County: 7,616
Hale County: 7,440

Mortage Actions by City

Dallas, Plano, Irving – TX: 2,165,532
Houston, Sugar Land, Baytown – TX: 2,143,879
Fort Worth, Arlington – TX: 1,062,832
Unknown: 805,618
San Antonio, New Braunfels – TX: 651,002
Austin, Round Rock – TX: 603,273
Houston, The Woodlands, Sugar Land – TX: 533,845
Austin, Round Rock, San Marcos – TX: 493,546
San Antonio – TX: 391,351
El Paso – TX: 299,489
McAllen, Edinburg, Mission – TX: 167,253
Corpus Christi – TX: 162,334
Killeen, Temple, Fort Hood – TX: 159,370
Lubbock – TX: 121,996
Beaumont, Port Arthur – TX: 114,840
Amarillo – TX: 105,960
Brownsville, Harlingen – TX: 97,632
Tyler – TX: 85,696
Waco – TX: 83,029
College Station, Bryan – TX: 81,496
Midland – TX: 73,918
Longview – TX: 72,211
Laredo – TX: 66,645
Abilene – TX: 61,830
Wichita Falls – TX: 50,639
Sherman, Denison – TX: 49,098
Odessa – TX: 48,889
San Angelo – TX: 42,993
Killeen, Temple – TX: 36,539
Victoria – TX: 35,581
Texarkana, TX – Texarkana, AR: 25,616
Texarkana – TX, AR: 5,925

Mortage Denial Reasons

Unknown: 9,502,897
Credit history: 466,023
Debt-to-income ratio: 276,391
Collateral: 217,266
Other: 167,503
Credit application incomplete: 151,668
Unverifiable information: 65,785
Insufficient cash (downpayment, closing costs): 30,681
Employment history: 19,638
Mortgage insurance denied: 2,005

HOEPA Status of Mortage Loans

Not a HOEPA loan: 10,897,876
HOEPA loan: 1,981

Lien Status of Mortage Loans

Secured by a first lien: 7,762,040
Not applicable: 2,337,776
Secured by a subordinate lien: 553,814
Not secured by a lien: 246,227

Owner Occupancy Status of Mortage Loans

Owner-occupied as a principal dwelling: 9,959,198
Not owner-occupied as a principal dwelling: 907,051
Not applicable: 33,608

Mortgages by Property Type

One-to-four family dwelling (other than manufactured housing): 10,538,750
Manufactured housing: 344,248
Multifamily dwelling: 16,859

Mortgages by Purchaser Type

Loan was not originated or was not sold in calendar year covered by register: 5,460,198
Fannie Mae (FNMA): 1,425,525
Ginnie Mae (GNMA): 1,080,664
Commercial bank, savings bank or savings association: 772,572
Freddie Mac (FHLMC): 699,998
Affiliate institution: 523,073
Life insurance company, credit union, mortgage bank, or finance company: 503,229
Other type of purchaser: 380,674
Private securitization: 53,808
Farmer Mac (FAMC): 116