Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Montgomery County, Texas
Every institution that decided a 1–4 unit mortgage application in Montgomery County, home to Conroe, between 2023 and 2025: 72,194 applications, 52,158 loans actually funded, across 8 kinds of borrowing.
Montgomery County at a glance
72,194Applications decided
2023–2025
52,158Loans funded
72% of decisions
133Census tracts
22 ZIP codes
654,722People
ACS 2023
What the data shows
Lenders approved 79.8% of home-purchase applications in Montgomery County, 4.3 points below the Texas rate.
The typical purchase mortgage here is $305K.
Investment home improvement is the hardest money to get here: lenders approved 44% of 105 applications.
Lending by loan type in Montgomery County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 79.8% | 52,709 | $305K | 95% | 690 |
| Home improvement loans | 49.8% | 4,087 | $105K | 92% | 152 |
| Cash-out refinance | 65.5% | 4,806 | $205K | 93% | 305 |
| Refinance | 71.1% | 4,776 | $335K | 90% | 313 |
| Investment property purchase | 85.7% | 4,585 | $205K | 95% | 410 |
| Investment cash-out refinance | 68.2% | 620 | $205K | 86% | 143 |
| Investment refinance | 73.7% | 506 | $195K | 92% | 144 |
| Investment home improvement | 43.8% | 105 | $205K | 91% | 34 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.