Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in Dallas, TX
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
Dallas, TX HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| Under 20% | 595 | 52% |
| 20% to 29% | 1,305 | 33% |
| 30% to 35% | 1,156 | 33% |
| 36% to 42% | 1,885 | 31% |
| 43% to 49% | 2,166 | 34% |
| 50% to 60% | 1,066 | 64% |
| Over 60% | 1,623 | 98% |
If you were denied a HELOC in Dallas, TX
None of the six major home equity investment providers lists Texas as a service area.
Compare a HELOC, home equity loan, cash-out refinance, and home equity investment side by side, with your own approval odds, in the home equity options tool. A HELOC like the typical 2025 loan here would start around 7.38% at today’s prime rate.
State rules: Texas.
Other metro areas in Texas
Houston, TX (53%) · San Antonio, TX (44%) · Austin, TX (47%) · Fort Worth, TX (47%) · El Paso, TX (54%) · McAllen, TX (58%) · All 358 metro areas
Questions
What is the HELOC denial rate in Dallas, TX?
Lenders denied 44.7% of the 11,868 HELOC applications they decided in the Dallas-Plano-Irving, TX metro area in 2025, above the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in Dallas, TX?
The most common first reason lenders gave was debt-to-income ratio (39% of denials with a reason reported).
What is a typical HELOC rate in Dallas, TX?
The median starting rate on HELOCs opened in the Dallas-Plano-Irving, TX area in 2025 was 7.75%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 7.38%. Your rate depends on your credit, equity, and lender.
Source: FFIEC / CFPB HMDA data, 2025, second-lien HELOCs and home equity loans with a credit decision, by the metro area HMDA assigns. Metro names: U.S. Census Bureau. Free to use with attribution (CC BY 4.0). Methodology: HELOC denial data.
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