Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Denton County, Texas
Every institution that decided a 1–4 unit mortgage application in Denton County between 2023 and 2025: 88,657 applications, 70,026 loans actually funded, across 8 kinds of borrowing.
Denton County at a glance
88,657Applications decided
2023–2025
70,026Loans funded
79% of decisions
193Census tracts
32 ZIP codes
945,644People
ACS 2023
What the data shows
Lenders approved 89.2% of home-purchase applications in Denton County, 5.2 points above the Texas rate.
The typical purchase mortgage here is $415K.
Home improvement loans is the hardest money to get here: lenders approved 51% of 6,295 applications.
Lending by loan type in Denton County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.2% | 56,606 | $415K | 96% | 750 |
| Home improvement loans | 50.8% | 6,295 | $105K | 94% | 165 |
| Cash-out refinance | 70.4% | 9,559 | $235K | 94% | 346 |
| Refinance | 75.9% | 9,866 | $495K | 93% | 388 |
| Investment property purchase | 90.4% | 4,874 | $275K | 96% | 454 |
| Investment cash-out refinance | 75.0% | 740 | $245K | 92% | 187 |
| Investment refinance | 76.4% | 571 | $275K | 90% | 160 |
| Investment home improvement | 56.2% | 146 | $205K | 91% | 49 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.