Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Hays County, Texas
Every institution that decided a 1–4 unit mortgage application in Hays County, home to San Marcos, between 2023 and 2025: 26,995 applications, 20,689 loans actually funded, across 8 kinds of borrowing.
Hays County at a glance
26,995Applications decided
2023–2025
20,689Loans funded
77% of decisions
46Census tracts
7 ZIP codes
256,429People
ACS 2023
What the data shows
The typical purchase mortgage here is $335K.
Lending by loan type in Hays County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.7% | 18,998 | $335K | 95% | 484 |
| Home improvement loans | 55.2% | 1,189 | $105K | 92% | 92 |
| Cash-out refinance | 73.1% | 2,842 | $85K | 91% | 178 |
| Refinance | 73.6% | 1,599 | $385K | 91% | 219 |
| Investment property purchase | 89.7% | 1,933 | $235K | 97% | 287 |
| Investment cash-out refinance | 66.8% | 205 | $195K | 94% | 78 |
| Investment refinance | 75.5% | 192 | $245K | 94% | 87 |
| Investment home improvement | 51.3% | 37 | $365K | 89% | 25 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.