Refinances and nothing else
Of its 63 loans, 98.4% were refinances and only 1.6% purchases. Every loan was conventional, with none backed by the government and none on a manufactured home.
Applications / Mortgage Analytics / Lenders / Texas / Wagon Hill Home Loans
Wagon Hill Home Loans
Houston, TX · Non-bank or government lender · CFPB · 63 loans in 2025
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63
loans originated, 2025
84
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wagon Hill Home Loans, a Houston newcomer that first reported in 2025, is almost purely a refinance lender, spread thinly across Texas.
Ordinary loans at ordinary prices
Its typical loan was $395,000, close to the $385,000 at similar lenders (non-bank or government lenders making between half and twice as many loans). Its typical rate, 6.62%, was a shade below its peers' 6.69%, and none of its loans was higher-priced, meaning a rate well above the average for similar loans. Among its peers, 3.3% of loans were.
All over Texas, nowhere big
In its first year it lent in 11 metros and 42 counties, all in Texas. Its share rounds to zero in each of its main markets. In Houston-Pasadena-The Woodlands it ranked 485 of 929 lenders, and in San Antonio-New Braunfels 257 of 669.
Too new to judge
With a single year of reports there is no trend to read. Its 63 loans matched the typical similar lender exactly, which puts it at the middle of its group by size.
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, 2025–2025
63 loans in 2025, its most in any year since 2025.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wagon Hill Home Loans took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
98.4% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 98.4% · Purchase 1.6%
Conventional 100.0% · of 63 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
1 state, 11 metros, 42 counties
| State | Loans | Share |
|---|---|---|
| Texas | 63 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 12 |
| San Antonio-New Braunfels | 11 |
| Austin-Round Rock-San Marcos | 3 |
| Killeen-Temple | 3 |
| College Station-Bryan | 2 |
| Dallas-Plano-Irving | 2 |
| Victoria | 2 |
| Corpus Christi | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Sherman-Denison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900L5MERNYAI3AH26 | 2025–2025 |
Established 14 November 2024. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Wagon Hill Home Loans's data.
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