Evidence first
Start with public records
See lender-reported activity from HMDA with the year, source, coverage, and denominator kept in view.
Public data · plain English
See the mortgage market before you enter it.
Explore how lenders and local markets have behaved—then move forward with better questions, useful context, and official next steps.
Independent research · Not a lender · No approval predictions
Market snapshot
Texas
Official HMDA source proof2025 activity
967.4Kapplications
1536reporting lenders
Built to explain data fromCFPB / FFIEC · HMDAFHFAU.S. Census Bureau
A clearer starting point
More context. Less guesswork.
Mortgage data is dense. We organize it around the decisions people actually make, with the caveats kept close to the evidence.
Local context
Understand your market
Move from state to county and metro patterns without turning a national average into a local conclusion.
Careful language
Know what data can’t say
Historical outcomes are not approval odds, and descriptive differences are never presented as proof of discrimination.
Local mortgage markets
Start where home happens.
The largest reported markets by application volume. All 51 state profiles are in the directory.
New reader guide · 8 minute read
How to read mortgage data without misreading it.
Learn what applications, originations, outcome shares, and reported denial reasons actually mean before comparing a market or lender.
Explore → Understand → Prepare
Evidence is most useful when it leads to a better question.
Compare like-for-like activity, understand reported denial reasons, and take questions—not conclusions—to a lender or an independent housing counselor.
Read our methodologyTry the first data experience
Texas mortgage marketOpen preview