Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Hidalgo County, Texas
Every institution that decided a 1–4 unit mortgage application in Hidalgo County, home to McAllen, between 2023 and 2025: 32,245 applications, 21,152 loans actually funded, across 8 kinds of borrowing.
Hidalgo County at a glance
32,245Applications decided
2023–2025
21,152Loans funded
66% of decisions
212Census tracts
24 ZIP codes
880,921People
ACS 2023
What the data shows
Lenders approved 76.3% of home-purchase applications in Hidalgo County, 7.7 points below the Texas rate.
The typical purchase mortgage here is $235K.
Home improvement loans is the hardest money to get here: lenders approved 32% of 1,815 applications.
Lending by loan type in Hidalgo County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 76.3% | 19,214 | $235K | 95% | 344 |
| Home improvement loans | 32.1% | 1,815 | $85K | 90% | 64 |
| Cash-out refinance | 53.7% | 4,171 | $155K | 88% | 169 |
| Refinance | 70.6% | 3,684 | $265K | 90% | 174 |
| Investment property purchase | 84.2% | 2,222 | $205K | 93% | 226 |
| Investment cash-out refinance | 66.1% | 638 | $145K | 90% | 111 |
| Investment refinance | 69.8% | 394 | $215K | 91% | 103 |
| Investment home improvement | 40.2% | 107 | $145K | 91% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.