2025 activity year · County-level source proof
Dallas County mortgage market
Reported county-level mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated53.5% · 31,059
Approved, not accepted3.0% · 1,740
Denied19.7% · 11,447
Withdrawn17.5% · 10,129
File closed for incompleteness5.9% · 3,438
Preapproval denied0.1% · 42
Preapproval approved, not accepted0.3% · 171
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
51%Home purchase
- Home purchase51.0%
- Home improvement6.9%
- Other purpose8.5%
- Not applicable0.1%
- Refinancing15.4%
- Cash-out refinancing18.2%
Lender-reported reasons
Why applications were reported denied.
These are historical reason codes reported by lenders—not our assessment of an applicant, a prediction, or evidence of unlawful conduct. A denied application can have more than one reason.
Reason for denial
Share of denied decisions
Debt-to-income ratio33.1% · 3,798
Credit history28.3% · 3,253
Other17.4% · 2,004
Collateral16.2% · 1,864
Credit application incomplete13.3% · 1,525
Insufficient cash7.5% · 858
Unverifiable information6.8% · 784
Employment history2.1% · 245
Each percentage uses all application and preapproval denial decisions as its denominator. Shares are not additive because lenders may report up to four reasons.
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Data provenance
County FIPS 48113, with two reconciled years.
This profile identifies the activity year, cohort rules, aggregate and row-level CSV endpoints, response hashes, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 19, 2026.