Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Ellis County, Texas
Every institution that decided a 1–4 unit mortgage application in Ellis County, home to Waxahachie, between 2023 and 2025: 21,848 applications, 16,145 loans actually funded, across 8 kinds of borrowing.
Ellis County at a glance
21,848Applications decided
2023–2025
16,145Loans funded
74% of decisions
36Census tracts
8 ZIP codes
203,927People
ACS 2023
What the data shows
The typical purchase mortgage here is $375K.
Home improvement loans is the hardest money to get here: lenders approved 47% of 1,419 applications.
Lending by loan type in Ellis County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.1% | 14,867 | $375K | 96% | 481 |
| Home improvement loans | 46.7% | 1,419 | $95K | 95% | 90 |
| Cash-out refinance | 66.5% | 2,367 | $215K | 95% | 196 |
| Refinance | 74.1% | 2,045 | $405K | 89% | 224 |
| Investment property purchase | 83.0% | 747 | $215K | 93% | 174 |
| Investment cash-out refinance | 75.8% | 182 | $185K | 91% | 82 |
| Investment refinance | 81.1% | 175 | $225K | 92% | 77 |
| Investment home improvement | 73.9% | 46 | $115K | 91% | 18 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.