2025 activity year · MSA/MD source proof
Houston metro mortgage market
Reported metropolitan mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, using the published MSA/MD geography and excluding purchased loans.
Activity year
2025
Action taken
What happened to applications?
Originated53.6% · 123,445
Approved, not accepted3.6% · 8,312
Denied20.5% · 47,152
Withdrawn15.7% · 36,259
File closed for incompleteness6.2% · 14,320
Preapproval denied0.1% · 267
Preapproval approved, not accepted0.3% · 576
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
63%Home purchase
- Home purchase62.5%
- Home improvement5.4%
- Other purpose8.0%
- Not applicable0.0%
- Refinancing12.4%
- Cash-out refinancing11.6%
Next source gate
Metro denial reasons are not published yet.
Metro-level reason analysis requires a separate row-level reconciliation and privacy review. These overview pages do not substitute county reasons or estimates.
Need help understanding a mortgage decision?
Find official helpA HUD-approved housing counselor can offer independent guidance.
Data provenance
Houston-Pasadena-The Woodlands, TX Metropolitan Statistical Area
MSA/MD 26420 · OMB Bulletin 23-01. This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.