Applications / Mortgage Analytics / Lenders / Texas / Network Funding
Houston, TX · Non-bank lender · CFPB · 2,443 loans in 2025
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2,443
loans originated, 2025
4,035
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Network Funding, a Houston lender that has reported since 1999, holds a steady 0.8% of its home market and, unlike similar lenders, also buys loans made by others.
It bought 182 loans in 2025, after 208 in 2024, while the typical similar lender (non-bank lenders making between half and twice as many loans) bought none. Buying loans gives it a second line of business that most of its peers lack.
It ranked 27 of 929 lenders around Houston, with its share unchanged at 0.8%; United Wholesale Mortgage led. It has lent in Houston, Austin, Dallas and San Antonio since 2000. In Austin its share slipped from 0.7% to 0.6%, in line with a 5% fall in its own loans, against growth of 11% at similar lenders.
Loans insured by the Federal Housing Administration (FHA) were 24.2% of its lending, a little above the 18.3% at similar lenders, and loans guaranteed by the Department of Veterans Affairs (VA) 8.8%, against 4.9%. Majority-minority neighborhoods took 38.2% of its loans, more than the 28.0% at similar lenders.
It made 2,443 loans in 2025, against 10,827 in 2020. The fall since 2023 has been gentle: 2,730 that year and 2,579 in 2024. Purchases made up 78.1% of its lending in 2025. Its reach is wide, with loans in 24 states and 80 metros.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Network Funding took 4,035 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.1% · Refinance 21.9%
Conventional 66.3% · FHA 24.2% · VA 8.8% · USDA (RHS or FSA) 0.7% · of 2,443 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 |
|---|---|---|
| Texas | 2,019 | 82.6% |
| Florida | 138 | 5.6% |
| South Carolina | 102 | 4.2% |
| Louisiana | 47 | 1.9% |
| Colorado | 32 | 1.3% |
| Utah | 27 | 1.1% |
| Massachusetts | 15 | 0.6% |
| Oklahoma | 15 | 0.6% |
| Rhode Island | 9 | 0.4% |
| Illinois | 5 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 901 |
| Austin-Round Rock-San Marcos | 281 |
| Dallas-Plano-Irving | 242 |
| San Antonio-New Braunfels | 198 |
| Fort Worth-Arlington-Grapevine | 123 |
| Jacksonville | 101 |
| Greenville-Anderson-Greer | 73 |
| Waco | 42 |
| Baton Rouge | 41 |
| Victoria | 37 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QRD0ZXHH08TX87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3845846 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7760561995 | |
| Respondent ID (the HMDA filer code before 2018) | 71187200003 | 1999–2001 |
Established 24 December 2002. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Network Funding's data.
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