Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Bastrop County, Texas
Every institution that decided a 1–4 unit mortgage application in Bastrop County between 2023 and 2025: 10,552 applications, 6,573 loans actually funded, across 8 kinds of borrowing.
Bastrop County at a glance
10,552Applications decided
2023–2025
6,573Loans funded
62% of decisions
21Census tracts
8 ZIP codes
102,370People
ACS 2023
What the data shows
Lenders approved 70.5% of home-purchase applications in Bastrop County, 13.6 points below the Texas rate.
The typical purchase mortgage here is $315K.
Home improvement loans is the hardest money to get here: lenders approved 49% of 401 applications.
Lending by loan type in Bastrop County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 70.5% | 7,718 | $315K | 90% | 326 |
| Home improvement loans | 48.6% | 401 | $85K | 93% | 52 |
| Cash-out refinance | 62.8% | 956 | $185K | 90% | 119 |
| Refinance | 70.1% | 712 | $365K | 88% | 141 |
| Investment property purchase | 81.6% | 550 | $215K | 92% | 112 |
| Investment cash-out refinance | 57.4% | 101 | $215K | 84% | 44 |
| Investment refinance | 64.4% | 90 | $225K | 79% | 41 |
| Investment home improvement | 75.0% | 24 | $55K | 94% | 10 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.