Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Grayson County, Texas
Every institution that decided a 1–4 unit mortgage application in Grayson County, home to Sherman, between 2023 and 2025: 14,448 applications, 10,463 loans actually funded, across 8 kinds of borrowing.
Grayson County at a glance
14,448Applications decided
2023–2025
10,463Loans funded
72% of decisions
30Census tracts
11 ZIP codes
139,988People
ACS 2023
What the data shows
Lenders approved 79.7% of home-purchase applications in Grayson County, 4.4 points below the Texas rate.
The typical purchase mortgage here is $285K.
Home improvement loans is the hardest money to get here: lenders approved 51% of 701 applications.
Lending by loan type in Grayson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 79.7% | 8,815 | $285K | 93% | 409 |
| Home improvement loans | 51.1% | 701 | $105K | 92% | 83 |
| Cash-out refinance | 69.0% | 1,383 | $195K | 93% | 156 |
| Refinance | 72.2% | 1,228 | $315K | 90% | 175 |
| Investment property purchase | 91.2% | 1,600 | $205K | 95% | 266 |
| Investment cash-out refinance | 77.7% | 287 | $155K | 89% | 94 |
| Investment refinance | 82.4% | 364 | $185K | 90% | 101 |
| Investment home improvement | 81.4% | 70 | $105K | 95% | 23 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.