Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Harris County, Texas
Every institution that decided a 1–4 unit mortgage application in Harris County, home to Houston, between 2023 and 2025: 234,911 applications, 166,904 loans actually funded, across 8 kinds of borrowing.
Harris County at a glance
234,911Applications decided
2023–2025
166,904Loans funded
71% of decisions
1,115Census tracts
137 ZIP codes
4,758,579People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Home improvement loans is the hardest money to get here: lenders approved 41% of 18,218 applications.
Lending by loan type in Harris County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 82.4% | 147,407 | $285K | 96% | 906 |
| Home improvement loans | 40.5% | 18,218 | $95K | 91% | 217 |
| Cash-out refinance | 63.6% | 23,915 | $185K | 93% | 450 |
| Refinance | 64.1% | 18,782 | $275K | 89% | 505 |
| Investment property purchase | 84.0% | 16,204 | $215K | 94% | 621 |
| Investment cash-out refinance | 71.2% | 5,474 | $175K | 89% | 319 |
| Investment refinance | 71.5% | 4,103 | $195K | 88% | 335 |
| Investment home improvement | 42.3% | 808 | $175K | 94% | 112 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.