Our analysis of 2025 HMDA data. Rates are medians on loans actually opened.
Why HELOCs were denied in San Antonio, TX
First reason lenders gave, share of denials with a reason reported.
Denial rate by debt-to-income
San Antonio, TX HELOC applications, 2025.
| Debt-to-income | Decisions | Denied |
|---|---|---|
| Under 20% | 175 | 57% |
| 20% to 29% | 444 | 34% |
| 30% to 35% | 423 | 33% |
| 36% to 42% | 667 | 29% |
| 43% to 49% | 689 | 33% |
| 50% to 60% | 455 | 44% |
| Over 60% | 515 | 90% |
If you were denied a HELOC in San Antonio, 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 6.63% at today’s prime rate.
State rules: Texas.
Other metro areas in Texas
Dallas, TX (45%) · Houston, TX (53%) · 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 San Antonio, TX?
Lenders denied 44.3% of the 3,507 HELOC applications they decided in the San Antonio-New Braunfels, TX metro area in 2025, above the national rate of 32.9%, according to federal HMDA data.
Why do HELOCs get denied in San Antonio, TX?
The most common first reason lenders gave was debt-to-income ratio (30% of denials with a reason reported).
What is a typical HELOC rate in San Antonio, TX?
The median starting rate on HELOCs opened in the San Antonio-New Braunfels, TX area in 2025 was 7.00%. HELOC rates move with the prime rate, which has changed by -0.37 points since, so a similar loan today would start around 6.63%. 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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