Houston Police mortgage approval rate & lending review
Houston Police decided 363 mortgage applications and funded 314 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Houston Police reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Houston Police at a glance
Approval is 26.2 points above the 66.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 77% | 24 / 31 | 83% | $305K | 20 |
| Home improvement loans | 98% | 239 / 243 | 93% | $95K | 222 |
| Cash-out refinance | 85% | 69 / 81 | 99% | $75K | 68 |
Houston Police lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 93% | $95K | 363 | 314 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Houston Police lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Home improvement loans | 98% | 154 | 142 |
| Harris County, TX | Cash-out refinance | 87% | 52 | 44 |
| Fort Bend County, TX | Home improvement loans | 100% | 28 | 26 |
| Montgomery County, TX | Home improvement loans | 97% | 29 | 24 |
The county markets where Houston Police made the most loans. Each link opens that market with every lender ranked.
Questions about Houston Police
What is Houston Police's mortgage approval rate?
Houston Police approved 92.6% of the 363 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 26.2 points above the 66.3% national rate for the same mix of loan types.
How often do borrowers take the loan Houston Police offers?
Borrowers accepted 93% of the loans Houston Police approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Houston Police make?
The typical home improvement loan loan Houston Police made was $95K; across all loan types its typical loan ran from $75K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Houston Police lend?
Houston Police decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Houston Police directly?
Yes. Houston Police is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Houston Police's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Houston Police treats applications, then get a rate quote from the lender.