A source-backed view of Texas mortgage-market activity, SML regulatory orders with exact NMLS identity, and current TDHCA/TSAHC homebuyer programs. This is not a ranking, recommendation, or Trust Score. There is no current live Texas mortgage-company roster in this snapshot.
Local catalog pages remain at /local-lenders/texas. Those pages are not this official-source intelligence snapshot. No Texas county routes are published from this page.
Snapshot metrics
954,534
Universe · HMDA applications
2025 HMDA applications for properties located in Texas. Not a count of Texas-licensed mortgage companies.
524,257
Current · HMDA originations
2025 HMDA originations, property location Texas.
3,981
Observations · SML enforcement orders
SML order rows as of 2025-10-16. Order count is not quality.
253
Geography · Counties in HMDA geography
253 of 254 Texas counties in this HMDA extract. Missing is not zero.
2025 HMDA recorded 954,534 applications, 524,257 originations, and 183,420 denials for properties located in Texas (19.22% denial rate). That is not a license count.
Purchase applications are 60.28% of the file and refinance applications are 27.20%. Conventional applications are 73.00%.
253 of 254 Texas counties are in this HMDA geography, sorted alphabetically on this page. Loving County is not in the committed extract and is not shown as zero activity. No Texas county routes are published.
Texas SML published 3,981 enforcement orders as of 2025-10-16. 2,493 carry an exact NMLS ID (2,127 distinct NMLS values). 1,488 are name-only and stay at event grain — UNSAFE_FOR_ADVERSE_PROFILE_ATTACH. Order count is not quality.
Official TDHCA and TSAHC pages currently document 7 statewide homebuyer-program families, including down-payment assistance and mortgage credit certificates. Program participation is not a license.
CFPB recorded 29,013 Texas mortgage complaint rows. A complaint is not a violation and is not a company ranking.
2025 Texas mortgage market
HMDA is a mortgage-application filing extract for properties located in Texas. It is not a Texas license roster, not a quality ranking, and the denial rate does not prove discrimination.
954,534
Applications
HMDA 2025, properties in Texas.
524,257
Originations
183,420
Denials
19.22%
Denial rate
Denials ÷ applications in this extract. Not quality and not a discrimination finding.
Trace this number
Source
Committed HMDA Texas partition data/hmda/by-state/TX/county_market_summary.csv. Properties located in Texas. Not a second national download.
Source date
HMDA 2025
Denominator
954,534 applications
Calculation
denials / applications * 100, rounded to 2 decimals
Reporting grain
State overlay from 253 county rows
Coverage
ACQUIRED_CURRENT_SNAPSHOT
Caveat
HMDA is a mortgage-application filing extract for properties located in Texas. It is not a Texas license roster, not a quality ranking, and the denial rate does not prove discrimination.
Applications compared with originations and denials
Applications954,534
Originations524,257
Denials183,420
Loan purpose (applications)
Purchase applications575,355
Refinance applications259,652
Loan type (applications)
Conventional (73.00%)696,832
FHA (17.06%)162,826
VA (9.49%)90,602
USDA / other (0.45%)4,274
County market table
Counties present in the committed Texas HMDA geography, sorted alphabetically. No Texas county routes are published from this page. Denial rate is not a county ranking.
2025 HMDA activity for Texas counties in this extract. Denial rate is not a quality ranking. County names are not links.
County
Applications
Originations
Denials
Denial rate
Purchase %
Refinance %
Anderson
1,488
579
467
31.38%
70.16%
18.82%
Andrews
617
312
121
19.61%
69.85%
23.50%
Angelina
2,260
1,037
549
24.29%
64.73%
23.54%
Aransas
1,387
655
317
22.86%
69.43%
22.35%
Archer
290
214
31
10.69%
53.79%
32.76%
Armstrong
61
41
5
8.20%
55.74%
32.79%
Atascosa
2,212
872
639
28.89%
70.61%
21.97%
Austin
1,112
545
268
24.10%
66.19%
23.83%
Bailey
111
41
32
28.83%
77.48%
17.12%
Bandera
971
449
218
22.45%
57.67%
28.32%
Bastrop
5,020
2,373
1,247
24.84%
69.34%
22.17%
Baylor
65
32
8
12.31%
64.62%
32.31%
County is the HMDA property-location county. This table is not a county page and is not a ranking. Texas has 254 counties; this extract includes the counties present in the committed HMDA file. A missing county is not published as zero activity.
Texas SML regulatory orders
An SML order is not a CFPB complaint and is not a quality ranking. Exact NMLS is required for adverse profile attachment. 1,488-class name-only rows stay at statewide regulatory-event grain. Native Title of Order values are not collapsed. Penalty mentions are not consumer-loss amounts. CSV clock is the file update date, not current NMLS authority.
3,981
Order rows
Not a quality score.
2,493
Orders with exact NMLS
2,127 distinct NMLS values. CSV does not type institution vs person.
1,488
Name-only orders
UNSAFE_FOR_ADVERSE_PROFILE_ATTACH. Stay at event grain.
CSV data rows after the file title and header. Exact NMLS = 3–12 digit nonzero identifier.
Reporting grain
enforcement_order
Coverage
ACQUIRED_DATED_SNAPSHOT
Caveat
An SML order is not a CFPB complaint and is not a quality ranking. Exact NMLS is required for adverse profile attachment. 1,488-class name-only rows stay at statewide regulatory-event grain. Native Title of Order values are not collapsed. Penalty mentions are not consumer-loss amounts. CSV clock is the file update date, not current NMLS authority.
Native Title of Order (not collapsed)
Order of Suspension742
Notice of Violation; Order to TAA; Exam Report641
Order to Take Affirmative Action347
Order to Cease and Desist310
Order to C&D & Assessing Administrative Penalty173
Order to TAA & Assessing Admin Penalty165
C&D, TAA, Pay Admin Penalty163
Agreed Order140
Agreed Order to Take Affirmative Action120
AO to C&D & Ass'g. Adm. Pen.112
Final Order110
Order Lifting Suspension107
Overlapping native-text flags (not exclusive classes): cease/desist mentions 981; penalty mentions 856; administrative/agreed-order mentions 865; settlement mentions 80; revocation mentions 42. A penalty mention is not a consumer-loss amount.
2024 SML Report on Mortgage Lending
Point-in-time NMLS-record entity counts as of October 31, 2024, published December 1, 2024. Not the current live Texas mortgage-company roster. Classes are source-native and are not summed into a quality score.
4,589
NMLS-record entities
As of 2024-10-31. Not a live roster.
3,515
Mortgage company
Source-native class from the official pie chart.
406
Mortgage banker
252
Mortgage servicer
416
Independent contractor processor/underwriter company
Point-in-time NMLS-record entity counts as of October 31, 2024, published December 1, 2024. Not the current live Texas mortgage-company roster. Classes are source-native and are not summed into a quality score.
Current Texas mortgage-company roster
Missing live roster is unknown, not zero. Do not display a fake current license count. The 2024 SML report entity count is a dated snapshot, not this live denominator.
SOURCE_NOT_ACQUIRED
CURRENT_TEXAS_MORTGAGE_COMPANY_BULK_ROSTER
Live licensed-company denominator is UNKNOWN. Missing is not zero.
Verify current authority on NMLS Consumer Access. That system was not scraped for this page. An NMLS ID is not current Texas authority by itself.
Texas homebuyer assistance
TDHCA and TSAHC do not replace a mortgage underwriting decision. Buyers apply through a participating lender. Program participation is not a Texas license.
My First Texas Home
Texas Department of Housing and Community Affairs · 30-year low-interest first mortgage with down-payment and closing-cost assistance
Headline amount / formula: Official product page: flexible DPA at 2%, 3%, 4%, and 5% of the loan amount; 30-year 0% interest second lien; 3-year forgivable second lien available. Matrix PDF dated 2026-08-17 is the fee/overlay clock.
Eligibility: First-time homebuyers and qualified veterans. Official page notes certain first-time-buyer exceptions in targeted areas and for qualified veterans. Homebuyer education is required for TDHCA Homebuyer Program assistance.
Income / purchase limits: Income and purchase-price limits apply; confirm current limits on official TDHCA materials. Not restated here as a single statewide dollar cap.
Approved-lender requirement: Yes
Status: Documented on official TDHCA Welcome Home pages retrieved this snapshot.
Source date: Official page retrieval 2026-09-04; program matrix PDF dated 2026-08-17
Texas Department of Housing and Community Affairs · 30-year low-interest first mortgage with down-payment and closing-cost assistance for buyers who are not limited to first-time status
Headline amount / formula: Same official DPA family as My First Texas Home (percentage-of-loan assistance). Confirm current rate/DPA options with a participating lender.
Eligibility: Official programs page: you do not have to be a first-time homebuyer to qualify. Homebuyer education is required for TDHCA Homebuyer Program assistance.
Income / purchase limits: Income and purchase-price limits apply; confirm on official TDHCA materials.
Approved-lender requirement: Yes
Status: Documented on official TDHCA Welcome Home pages retrieved this snapshot.
Texas Department of Housing and Community Affairs · Federal mortgage credit certificate that reduces federal income-tax liability dollar-for-dollar, as described on the official TDHCA page
Headline amount / formula: Official programs page: available to veterans and first-time homebuyers with a first mortgage through the program, and as a stand-alone option. Supplies are limited.
Eligibility: First-time homebuyers and veterans as stated on the official page. No minimum credit score with the stand-alone option, per the official programs page. Not a cash down-payment grant.
Income / purchase limits: MCC income/purchase rules are program-specific; confirm on the official MCC page.
Approved-lender requirement: Yes
Status: Documented on official TDHCA Welcome Home pages retrieved this snapshot. Limited supply is an official statement, not a TrustHub scarcity ranking.
Texas Statewide Homebuyer Education Program (TSHEP)
Texas Department of Housing and Community Affairs · Required homebuyer education course for TDHCA Homebuyer Program assistance
Headline amount / formula: Not a dollar assistance product.
Eligibility: Completing an approved homebuyer education course is required to qualify for assistance through The TDHCA Homebuyer Program, per the official programs page.
Income / purchase limits: Not a loan product.
Approved-lender requirement: No
Status: Documented on official TDHCA Welcome Home pages retrieved this snapshot.
Texas State Affordable Housing Corporation · 30-year fixed-rate mortgage with down-payment assistance for eligible hero professions
Headline amount / formula: Official TSAHC pages: DPA 3% to 5% of the loan amount, as a grant that does not have to be repaid or a 3-year deferred forgivable second lien.
Eligibility: Official page: professional educators (including specified public-school roles), fire fighters and EMS personnel, police and correctional officers, and veterans. First-time buyer status is not required. Apply through a participating lender after the eligibility quiz.
Income / purchase limits: Income limits apply and can be higher in targeted areas; confirm current AMFI tables on TSAHC materials.
Approved-lender requirement: Yes
Status: Documented on official TSAHC pages retrieved this snapshot.
Texas State Affordable Housing Corporation · 30-year fixed-rate mortgage with down-payment assistance for eligible Texas homebuyers who do not have to qualify under the Heroes occupation list
Headline amount / formula: Official TSAHC pages: DPA 3% to 5% of the loan amount as a grant or 3-year deferred forgivable second lien. Credit scores as low as 620 are described on the official home-buyer programs page.
Eligibility: Low- and moderate-income Texas homebuyers as published by TSAHC. First-time buyer status is not required for DPA. First-time buyers may also research TSAHC MCC.
Income / purchase limits: Income and purchase-price limits apply; targeted-area limits may differ. Confirm on official TSAHC tables.
Approved-lender requirement: Yes
Status: Documented on official TSAHC pages retrieved this snapshot.
Texas State Affordable Housing Corporation · Mortgage credit certificate tax credit for eligible first-time buyers, as described on official TSAHC pages
Headline amount / formula: Official TSAHC down-payment page: first-time buyers can also apply for an MCC. Confirm current combination rules on official TSAHC guidelines; do not treat MCC as cash DPA.
Eligibility: First-time homebuyers as stated by TSAHC. Eligibility is not guaranteed approval.
Income / purchase limits: MCC income limits follow the official TSAHC/federal MCC tables, which can differ from DPA AMFI tables.
Approved-lender requirement: Yes
Status: Documented on official TSAHC pages retrieved this snapshot.
Program terms change. Eligibility is not guaranteed approval. Headline amounts are official-page formulas, not a promise of funds. County or city local DPA is not inventoried here.
Approved / participating lender evidence
No easy structured or HTML lender directory with reusable rows was acquired. TDHCA/TSAHC participating-lender search/onboarding pages are not a bulk roster. Program participation is not a license. NMLS IDs were not manufactured. Zero directory rows here means SOURCE_NOT_ACQUIRED, not an empty lender market.
SOURCE_NOT_ACQUIRED
Easy structured lender directory
Program participation is not a license. NMLS IDs were not manufactured.
Regulator / credential matrix
An HMDA reporter is not a Texas licensee. An NMLS ID is not proof of current Texas authority by itself. Program participation is not an endorsement. A DRE-style person credential is not published here.
What each Texas mortgage credential proves and does not prove.
Credential
What it is
Regulator
What it proves
What it does not prove
HMDA reporter
Institution that filed HMDA loan/application records for Texas property location
CFPB / FFIEC HMDA
Reported application/origination activity in this vintage
Texas mortgage license, current NMLS authority, or program participation
NMLS ID
Nationwide Multistate Licensing System identifier when source-native
NMLS (system of record display; not a Texas regulator)
A stable identifier when printed by the source
Current Texas authority by itself, or whether the ID is an institution, branch, or person
SML-regulated company
Mortgage company, mortgage banker, mortgage servicer, wrap lender, or independent contractor processor/underwriter company under Texas SML
Texas Department of Savings and Mortgage Lending
SML licensing/registration class as of a stated evidence clock
HMDA reporter status, OCCC authority, or TDHCA/TSAHC program participation
OCCC-regulated company
Texas Office of Consumer Credit Commissioner authority in overlapping consumer-credit classes such as property-tax lending or manufactured housing
Texas Office of Consumer Credit Commissioner
OCCC authority as of that source clock when acquired
SML mortgage-company license
MLO / RMLO
Individual residential mortgage loan originator licensed through NMLS and sponsored by an SML or OCCC company as applicable
Texas SML or Texas OCCC via NMLS display
Individual originator credential path when source-native
A company license, and this site does not publish an MLO person directory
Depository
Bank, savings bank, or credit union operating under a prudential charter rather than an SML mortgage-company license alone
Federal and/or Texas Department of Banking / SML savings-bank supervision as applicable
Charter identity when source-native
SML mortgage-company license or HMDA completeness
Program participating lender
Appears on a TDHCA or TSAHC participating-lender path for one or more homebuyer programs
TDHCA or TSAHC
Program-participation listing as of directory/page retrieval
Texas license, endorsement, or TrustHub recommendation
CFPB Texas mortgage complaints
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. No company complaint rate is published without an exposure denominator.
hits.total from the public CFPB complaint search API
Reporting grain
statewide product overlay
Coverage
ACQUIRED_CURRENT_SNAPSHOT
Caveat
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. No company complaint rate is published without an exposure denominator.
Trouble during payment process: 8,919
Loan servicing, payments, escrow account: 4,568
Loan modification,collection,foreclosure: 4,553
Struggling to pay mortgage: 4,513
Applying for a mortgage or refinancing an existing mortgage: 2,040
Closing on a mortgage: 1,538
Application, originator, mortgage broker: 1,005
Incorrect information on your report: 524
Year trend (recent calendar years)
Recent-year slices do not sum to the all-time Texas mortgage total. Older years remain in the all-time overlay.
20191,495
20201,648
20212,002
20221,716
20231,913
20241,726
20252,384
20262,235
HMDA application volume (not a license ranking)
Largest by HMDA application volume in this Texas property-location dataset. HMDA reporter is not a Texas licensee. NMLS is shown only when already mapped in the committed exact LEI-to-NMLS file.
HMDA reporter
Applications
Originations
United Wholesale Mortgage, LLCEXACT_LEI_AND_NMLS
56,488
42,285
Rocket Mortgage, LLCEXACT_LEI_AND_NMLS
46,463
30,579
21ST MORTGAGE CORPORATIONEXACT_LEI_AND_NMLS
37,961
6,763
DHI MORTGAGE COMPANY, LTD.EXACT_LEI_AND_NMLS
26,348
17,748
LENNAR MORTGAGE, LLCEXACT_LEI_AND_NMLS
21,959
15,642
Bank of America, National AssociationEXACT_LEI_AND_NMLS
18,008
6,141
JPMorgan Chase Bank, National AssociationEXACT_LEI_AND_NMLS
16,260
9,775
AmeriHome Mortgage Company, LLCEXACT_LEI_AND_NMLS
15,757
10,655
VANDERBILT MORTGAGE AND FINANCE, INC.EXACT_LEI_AND_NMLS
15,683
2,045
TRIAD FINANCIAL SERVICES, INC.EXACT_LEI_MAPPED
15,156
2,321
Newrez LLCEXACT_LEI_AND_NMLS
15,001
4,793
PENNYMAC LOAN SERVICES, LLCEXACT_LEI_AND_NMLS
14,770
6,849
LOANDEPOT.COM, LLCEXACT_LEI_AND_NMLS
14,655
8,535
MORTGAGE RESEARCH CENTER, LLCEXACT_LEI_AND_NMLS
14,249
6,918
RANDOLPH-BROOKS FEDERAL CREDIT UNIONEXACT_LEI_AND_NMLS
13,859
7,141
Public business contacts
Zero contact fields from an unacquired directory is a coverage gap, not a finding that Texas lenders have no phones.
SML enforcement CSV has no phone, email, website, or address fields.
Official/public business sources only. No internet enrichment. No person contact information.
Evidence depth
Family
Agency
As of
Rows / count
Identity
Limitations
HMDA
CFPB / FFIEC HMDA
HMDA 2025
954,534 applications / 253 counties
HMDA LEI for reporters; county FIPS for geography
HMDA is a mortgage-application filing extract for properties located in Texas. It is not a Texas license roster, not a quality ranking, and the denial rate does not prove discrimination.
SML orders
Texas Department of Savings and Mortgage Lending
2025-10-16
3,981 orders / 2,493 exact NMLS
Exact NMLS when source-native; name-only is UNSAFE_FOR_ADVERSE_PROFILE_ATTACH
An SML order is not a CFPB complaint and is not a quality ranking. Exact NMLS is required for adverse profile attachment. 1,488-class name-only rows stay at statewide regulatory-event grain. Native Title of Order values are not collapsed. Penalty mentions are not consumer-loss amounts. CSV clock is the file update date, not current NMLS authority.
Current SML / NMLS roster
Texas SML / NMLS
Unknown
UNKNOWN / SOURCE_NOT_ACQUIRED
none in this snapshot
Missing live roster is unknown, not zero. Do not display a fake current license count. The 2024 SML report entity count is a dated snapshot, not this live denominator.
SML 2024 report
Texas Department of Savings and Mortgage Lending
2024-10-31
4,589 NMLS-record entities as of 2024-10-31
Report aggregate only
Point-in-time NMLS-record entity counts as of October 31, 2024, published December 1, 2024. Not the current live Texas mortgage-company roster. Classes are source-native and are not summed into a quality score.
OCCC
Texas Office of Consumer Credit Commissioner
Unknown
Not acquired as a mortgage-company bulk file
none in this snapshot
OCCC regulates overlapping consumer-credit classes such as property-tax lending and manufactured housing. That is not the SML mortgage-company roster and is not displayed as a Texas mortgage-license count.
TDHCA / TSAHC programs
TDHCA / TSAHC
2026-09-04T12:59:58Z
7
Official program name
Program terms change. Eligibility is not guaranteed approval. Headline amounts are official-page formulas, not a promise of funds. County or city local DPA is not inventoried here.
Approved / participating lenders
TDHCA / TSAHC
SOURCE_NOT_ACQUIRED
SOURCE_NOT_ACQUIRED
NMLS not manufactured
No easy structured or HTML lender directory with reusable rows was acquired. TDHCA/TSAHC participating-lender search/onboarding pages are not a bulk roster. Program participation is not a license. NMLS IDs were not manufactured. Zero directory rows here means SOURCE_NOT_ACQUIRED, not an empty lender market.
CFPB complaints
Consumer Financial Protection Bureau
2026-09-04T13:00:17Z
29,013
Statewide overlay; not a company ranking
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. No company complaint rate is published without an exposure denominator.
Servicing
Texas SML registers servicers; no loan-level file acquired
Unknown
Unknown / not acquired
none
No easy statewide servicing performance report was acquired. Existing LenderTrustHub servicing architecture is not a Texas foreclosure portal.
Foreclosure source
n/a
Unknown
Unknown / not acquired
none
No county clerk or foreclosure-posting crawl was performed. Missing statewide foreclosure structure is unknown, not zero.
What we do not know
No current complete Texas mortgage-company bulk roster was acquired. Live licensed-company denominator is UNKNOWN, not zero.
Complete MLO / RMLO person universe is not published and was not scraped from NMLS.
Name-only SML orders cannot be attached to lender profiles. Not every enforcement order has an exact NMLS ID.
SML CSV NMLS IDs are not source-typed as institution vs person vs branch.
NMLS Consumer Access remains search-only. Not scraped.
No easy structured TDHCA/TSAHC participating-lender directory was acquired.
No easy statewide OCCC mortgage-company roster was acquired.
No easy statewide servicing performance report was acquired.
STATEWIDE_STRUCTURED_FORECLOSURE_SOURCE_NOT_ACQUIRED. No county clerk crawl.
Company-level CFPB complaint exposure denominators are not computed.
The 2024 SML report entity count is dated October 31, 2024, and is not a live roster.
Missing is unknown, not zero. Current Texas mortgage-company bulk roster is SOURCE_NOT_ACQUIRED. A complete state company roster is not required to publish this page. Statewide foreclosure dataset is not required. No Trust Score.