Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Midland County, Texas
Every institution that decided a 1–4 unit mortgage application in Midland County between 2023 and 2025: 15,998 applications, 11,325 loans actually funded, across 8 kinds of borrowing.
Midland County at a glance
15,998Applications decided
2023–2025
11,325Loans funded
71% of decisions
37Census tracts
6 ZIP codes
171,496People
ACS 2023
What the data shows
Lenders approved 76.8% of home-purchase applications in Midland County, 7.3 points below the Texas rate.
The typical purchase mortgage here is $285K.
Home improvement loans is the hardest money to get here: lenders approved 43% of 500 applications.
Lending by loan type in Midland County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 76.8% | 12,646 | $285K | 95% | 368 |
| Home improvement loans | 43.2% | 500 | $95K | 93% | 51 |
| Cash-out refinance | 64.6% | 864 | $195K | 95% | 113 |
| Refinance | 69.3% | 974 | $315K | 86% | 145 |
| Investment property purchase | 82.8% | 737 | $215K | 94% | 153 |
| Investment cash-out refinance | 76.9% | 147 | $165K | 93% | 70 |
| Investment refinance | 80.7% | 93 | $215K | 92% | 47 |
| Investment home improvement | 75.7% | 37 | $105K | 96% | 18 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.