2025 activity year · County-level source proof
Harris 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?
Originated53.4% · 62,641
Approved, not accepted3.3% · 3,884
Denied20.6% · 24,226
Withdrawn16.2% · 19,054
File closed for incompleteness6.1% · 7,136
Preapproval denied0.1% · 96
Preapproval approved, not accepted0.3% · 320
“Originated” is a reported historical outcome, not an approval probability for a future applicant.
Loan purpose
Why people applied
59%Home purchase
- Home purchase59.1%
- Home improvement6.1%
- Other purpose8.6%
- Refinancing13.1%
- Cash-out refinancing13.1%
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 ratio35.8% · 8,702
Credit history29.7% · 7,220
Other18.7% · 4,537
Collateral14.3% · 3,468
Credit application incomplete11.4% · 2,783
Insufficient cash7.9% · 1,926
Unverifiable information7.8% · 1,905
Employment history2.3% · 559
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 48201, 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 2, 2026.