Texans mortgage approval rate & lending review
Texans decided 2,869 mortgage applications and funded 911 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Texans reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Texans at a glance
Approval is 19.0 points below the 67.2% 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 | 68% | 108 / 159 | 94% | $325K | 102 |
| Home improvement loans | 52% | 633 / 1,216 | 58% | $95K | 370 |
| Cash-out refinance | 43% | 613 / 1,417 | 67% | $105K | 412 |
| Refinance | 41% | 25 / 61 | 96% | $135K | 24 |
Texans lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 49% | $105K | 2,845 | 908 |
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 Texans lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Collin County, TX | Cash-out refinance | 45% | 597 | 197 |
| Collin County, TX | Home improvement loans | 56% | 427 | 144 |
| Dallas County, TX | Home improvement loans | 49% | 402 | 102 |
| Dallas County, TX | Cash-out refinance | 42% | 328 | 80 |
| Denton County, TX | Cash-out refinance | 39% | 248 | 68 |
| Denton County, TX | Home improvement loans | 55% | 163 | 60 |
| Rockwall County, TX | Home improvement loans | 62% | 40 | 19 |
| Rockwall County, TX | Cash-out refinance | 56% | 41 | 18 |
| Tarrant County, TX | Home improvement loans | 50% | 42 | 15 |
| Tarrant County, TX | Cash-out refinance | 44% | 50 | 15 |
| Grayson County, TX | Home improvement loans | 58% | 26 | 7 |
| Grayson County, TX | Cash-out refinance | 45% | 33 | 6 |
The county markets where Texans made the most loans. Each link opens that market with every lender ranked.
Questions about Texans
What is Texans's mortgage approval rate?
Texans approved 48.2% of the 2,869 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 19.0 points below the 67.2% national rate for the same mix of loan types.
How often do borrowers take the loan Texans offers?
Borrowers accepted 66% of the loans Texans approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Texans make?
The typical cash-out refinance loan Texans made was $105K; across all loan types its typical loan ran from $95K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Texans lend?
Texans decided applications in 15 of the states Fat Boy Data covers, most of them in Texas, Arizona and Illinois.
Can I apply to Texans directly?
Yes. Texans is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Texans'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 Texans treats applications, then get a rate quote from the lender.