Finance Atlas

Banking & Mortgage-Lending Access in Texas

2,816 FDIC-insured institutions (349 currently active) are recorded in Texas in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 27.2% in Texas.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

2,816
FDIC institutions (total)
349
Currently active
27.2%
Overall denial rate (HMDA 2024)
491,716
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Texas?

FDIC BankFind records 2,816 FDIC-insured institutions (all historical) in Texas, of which 349 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 2,816
Currently active 349

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Texas?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Texas:

Charter class Description Count
N National bank (OCC-chartered) 1,172
NM State non-member bank (Fed non-member) 943
SL Savings institution (state-chartered S&L) 440
SM State member bank (Fed member) 153
SI Savings institution (OTS-supervised) 53
SB Savings bank (state-chartered) 47
NC Non-deposit trust company 6
NS Non-member savings bank (state-chartered) 2

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Texas? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 27.2% in Texas. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 27.2%
White applicants 26.1%
Black applicants 35.1%
Black/White denial rate ratio 1.35x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=TX

Mortgage origination volume in Texas (2024)

HMDA 2024 data record 491,716 originated mortgage loans in Texas , totaling $172.3B , with an average loan size of $350,469.

Metric Value
Originated loans (2024) 491,716
Total origination volume $172.3B
Average loan size $350,469

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=TX

Data exported June 20, 2026 · content hash a2ab86ac93e41d0c · machine-readable brief: /finance/states/tx/context.md

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