Houston-The Woodlands-Sugar Land, TX Metro Area Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 253,058 mortgage applications in Houston-The Woodlands-Sugar Land, TX metro area totaling $77.5 billion, up 6% from 2023. The average application was for $306,329, and applicants reported an average income of $153,997. 45% of applications resulted in an originated loan and 18% were denied. The most active lender was United Wholesale Mortgage, with 14,014 applications, followed by PennyMac Loan Services LLC and 21st Mortgage.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 253,058 |
| Total Mortgage Loan Application Amount | $77,519,155,000 |
| Average Mortgage Loan Application Amount | $306,329 |
| Highest Mortgage Loan Application Amount | $86,005,000 |
| Average Applicant Income | $153,997 |
| Highest Applicant Income | $9,999,000 |
Top Mortgage Lenders in Houston-The Woodlands-Sugar Land, TX Metro Area (2024)
Ranked by the number of mortgage applications each lender reported in Houston-The Woodlands-Sugar Land, TX metro area in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI |
14,014 | $4,749,870,000 | $338,000 | $152,000 |
| 2 | PennyMac Loan Services LLC Westlake Village, CA |
10,239 | $3,228,615,000 | $315,000 | $181,000 |
| 3 | 21st Mortgage Knoxville, TN |
6,091 | $741,975,000 | $121,000 | $75,000 |
| 4 | Bank of America NA Westlake Village, CA |
5,954 | $1,085,970,000 | $182,000 | $163,000 |
| 5 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
5,649 | $580,905,000 | $102,000 | $67,000 |
| 6 | DHI Mortgage Company, Ltd. Austin, TX |
5,555 | $1,572,035,000 | $282,000 | $109,000 |
| 7 | Freedom Mortgage Corporation Boca Raton, FL |
5,374 | $1,909,360,000 | $355,000 | $145,000 |
| 8 | Discover Bank Greenwood, DE |
5,333 | $499,385,000 | $93,000 | $153,000 |
| 9 | JPMorgan Chase Bank, NA Columbus, OH |
5,331 | $1,982,750,000 | $371,000 | $182,000 |
| 10 | Lennar Mortgage, LLC Miami, FL |
5,152 | $1,324,850,000 | $257,000 | $109,000 |
See every lender active in Houston-The Woodlands-Sugar Land, TX metro area in 2024 »
The tables below break down 2024 mortgage applications in Houston-The Woodlands-Sugar Land, TX metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Houston-The Woodlands-Sugar Land, TX in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 177,183 | $58,490,140,000 | $330,000 | $52,005,000 | $153,000 | $9,809,000 |
| Cash-out Refinancing | 22,900 | $5,533,380,000 | $241,000 | $33,935,000 | $142,000 | $9,999,000 |
| Other Purpose | 19,922 | $2,529,410,000 | $126,000 | $41,925,000 | $156,000 | $9,642,000 |
| Refinancing | 19,225 | $9,134,435,000 | $475,000 | $86,005,000 | $170,000 | $9,999,000 |
| Home Improvement | 13,167 | $1,699,775,000 | $129,000 | $56,325,000 | $162,000 | $8,277,000 |
| Not Applicable | 661 | $132,015,000 | $199,000 | $38,365,000 | $409,000 | $4,303,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 70,384 | $21,093,600,000 | $299,000 | $10,505,000 | $179,000 | $9,809,000 |
| Hispanic | 62,998 | $14,146,210,000 | $224,000 | $4,505,000 | $119,000 | $8,514,000 |
| Not applicable | 38,877 | $18,225,790,000 | $468,000 | $86,005,000 | $151,000 | $1,736,000 |
| Black or African American | 28,335 | $7,624,515,000 | $269,000 | $4,705,000 | $133,000 | $7,511,000 |
| Not Provided | 27,841 | $8,381,125,000 | $301,000 | $8,875,000 | $170,000 | $9,999,000 |
| Asian | 23,090 | $7,679,850,000 | $332,000 | $6,005,000 | $181,000 | $9,741,000 |
| American Indian or Alaskan Native | 1,128 | $283,340,000 | $251,000 | $2,865,000 | $142,000 | $3,828,000 |
| Native Hawaiian or Other Pacific Islander | 380 | $79,620,000 | $209,000 | $1,685,000 | $129,000 | $810,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 182,859 | $55,149,080,000 | $301,000 | $86,005,000 | $167,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 51,985 | $15,679,755,000 | $301,000 | $56,325,000 | $104,000 | $4,494,000 |
| VA-guaranteed (Veterans Administration) | 17,528 | $6,602,750,000 | $376,000 | $4,025,000 | $129,000 | $2,742,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 686 | $87,570,000 | $127,000 | $515,000 | $86,000 | $241,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 114,344 | $38,656,760,000 | $338,000 | $78,405,000 | $164,000 | $9,741,000 |
| Application Denied By Financial Institution | 46,649 | $10,432,635,000 | $223,000 | $86,005,000 | $121,000 | $9,999,000 |
| Loan Purchased By The Institution | 37,311 | $11,697,815,000 | $313,000 | $3,785,000 | $154,000 | $2,098,000 |
| Application Withdrawn By Applicant | 33,992 | $11,751,015,000 | $345,000 | $64,005,000 | $166,000 | $9,809,000 |
| File Closed For Incompleteness | 12,492 | $2,580,070,000 | $206,000 | $27,255,000 | $144,000 | $8,203,000 |
| Application Approved But Not Accepted | 7,383 | $2,108,775,000 | $285,000 | $43,025,000 | $163,000 | $7,138,000 |
| Preapproval Approved but not Accepted | 597 | $207,665,000 | $347,000 | $9,005,000 | $158,000 | $2,969,000 |
| Preapproval Denied by Financial Institution | 290 | $84,420,000 | $291,000 | $2,205,000 | $114,000 | $1,157,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 204,895 | $66,249,680,000 | $323,000 | $78,405,000 | $163,000 | $9,809,000 |
| Debt-To-Income Ratio | 16,328 | $4,090,210,000 | $250,000 | $41,505,000 | $94,000 | $5,274,000 |
| Credit History | 13,138 | $1,929,910,000 | $146,000 | $41,915,000 | $123,000 | $9,999,000 |
| Other | 5,023 | $1,942,460,000 | $386,000 | $86,005,000 | $160,000 | $6,256,000 |
| Collateral | 4,489 | $1,160,910,000 | $258,000 | $65,805,000 | $170,000 | $9,999,000 |
| Credit Application Incomplete | 4,229 | $965,405,000 | $228,000 | $2,915,000 | $154,000 | $4,546,000 |
| Unverifiable Information | 2,606 | $531,010,000 | $203,000 | $2,945,000 | $119,000 | $3,500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1,745 | $446,105,000 | $255,000 | $22,335,000 | $114,000 | $2,507,000 |
| Employment History | 594 | $200,570,000 | $337,000 | $39,005,000 | $111,000 | $2,275,000 |
| Mortgage Insurance Denied | 11 | $2,895,000 | $263,000 | $425,000 | $104,000 | $286,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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