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investment property lenders · HMDA 2023–2025

Investment property lenders in McLennan County, Texas

Fat Boy Data analyzed investment property mortgage activity in McLennan County, Texas, home to Waco, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,322 applications were decided by 213 lenders between 2023 and 2025.

McLennan County at a glance

213Active lenders13 with 20+ decisions
90.8%Market approval rate1,200 of 1,322 decided
$165KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,142 loans funded

How McLennan County compares

Approval rate compared
McLennan County90.8%Texas87.5%All 616 counties87.5%
Typical loan compared
McLennan County$165KTexas$215KAll 616 counties$255K

What the data shows

Alliance Bank Central Texas made the most investment property mortgages in McLennan County, TX, 144 of them.

American Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 100% of 117.

The typical investment property mortgage here is $165K, 23% smaller than the Texas typical of $215K.

Approval rate of all 13 lenders with 20+ decisions here
0%25%50%75%100%United Wholesale Mortgage, LLC: 88% approved of 48One lender: 90% approved of 30One lender: 93% approved of 29One lender: 93% approved of 30Alliance Bank Central Texas: 95% approved of 168One lender: 96% approved of 26One lender: 96% approved of 27One lender: 97% approved of 34Central National Bank: 98% approved of 96American Bank, National Association: 100% approved of 117First National Bank of Central Texas: 100% approved of 68One lender: 100% approved of 44One lender: 100% approved of 32

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Investment property lenders in McLennan County

LenderApprovalApprovedTaken upTypical loanLoans made
1Alliance Bank Central Texas95%159 / 16891%$155K144
2American Bank, National Association100%117 / 11795%$165K111
3Central National Bank98%94 / 9699%$175K93
4First National Bank of Central Texas100%68 / 68100%$145K68
5United Wholesale Mortgage, LLCBroker only88%42 / 48100%$195K42

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 208 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest investment property mortgage lenders in McLennan County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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