Steady Buyers, Surging Refis, And Smarter Lending: The 2025 Mortgage Picture For The Lone Star State

Texas residential mortgage lending saw modest growth in home purchase loans and a significant surge in refinancing activity, with refinance loan counts doubling and values rising nearly 148%. Property tax and home equity loans increased, while home improvement and reverse mortgages declined slightly. The report highlights growing AI adoption in underwriting and compliance, emphasizing the need for balanced innovation and regulatory oversight to ensure responsible use in mortgage lending.

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