Applications / Mortgage Analytics / Lenders / Texas / Lendlo Mortgage
Houston, TX · Non-bank or government lender · CFPB · 1,018 loans in 2025
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1,018
loans originated, 2025
1,300
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lendlo Mortgage, which first reported in 2024, makes mostly government-backed home-purchase loans to modest buyers, and its lending fell by more than two-thirds in its second year.
Home purchases made up 99.9% of its loans. More than half, 52.4%, were insured by the Federal Housing Administration; 12.0% were guaranteed by the Department of Veterans Affairs and 8.5% by the Department of Agriculture's Rural Housing Service. Most similar lenders (non-bank lenders making between half and twice as many loans) make only conventional loans.
Low- and moderate-income borrowers took 51.4% of its loans, against 32.3% at similar lenders. Its typical loan was $215,000, against their $335,000. Its typical rate, 5.99%, was lower than at almost nine in ten of them, and only 0.7% of its loans were higher-priced, meaning a rate well above the average for similar loans.
It made 3,519 loans in 2024 and 1,018 in 2025, a fall of 71%, while similar lenders typically grew 15%. Its share slipped in Oklahoma City, OK, from 1.2% to 0.4%, and in Little Rock-North Little Rock-Conway, AR, from 2.0% to 0.5%. Two years of filings are too short a record to say whether 2024 or 2025 is its normal level; the data do not show the cause.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lendlo Mortgage took 1,300 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.9% · Refinance 0.1%
FHA 52.4% · Conventional 27.1% · VA 12.0% · USDA (RHS or FSA) 8.5% · of 1,018 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Arkansas | 336 | 33.0% |
| Oklahoma | 324 | 31.8% |
| Texas | 188 | 18.5% |
| Alabama | 157 | 15.4% |
| Kansas | 11 | 1.1% |
| Missouri | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fayetteville-Springdale-Rogers | 207 |
| Oklahoma City | 199 |
| Houston-Pasadena-The Woodlands | 117 |
| Little Rock-North Little Rock-Conway | 111 |
| San Antonio-New Braunfels | 71 |
| Birmingham | 69 |
| Tulsa | 39 |
| Huntsville | 18 |
| Tuscaloosa | 18 |
| Kansas City | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007ASPHNTEYEZ797 | 2024–2025 |
Established 26 May 2021. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Lendlo Mortgage's data.
Lendlo Mortgage's data
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