More than half a million Texans received mortgages in 2015 for more than $122 billion in home finance, Home Mortgage Disclosure Act data show.

Specifically, 557,000 residents of the Lone Star State got mortgages, with more than 100,000 going to Hispanics (purchased loans are excluded from this analysis).

In total more than 31 percent of mortgages in Texas went to minorities in 2015, a considerably higher percentage than in Florida and a slightly higher percentage than in California as seen in other recent blogs in this series.

The state’s Hispanic population received nearly 19 percent of mortgages that year, according to HMDA data analyzed by LendingPatterns™. Asians and Blacks each got six percent of Texas mortgages, and the American Indian/Native Hawaiian/Multiracial categories combined for a share of 87 basis points.

On the dollar side, $66.5 billion in mortgage money went to whites, $15.5 billion to Hispanics, and smaller amounts to the other categories.

Texans preferred purchase mortgages to refinancings by a wide margin in 2015. Sixty percent of loans went to buying a house, 35 percent went to refis, and five percent were for home improvement loans.

A quarter of loans made in 2015 were retained in mortgage lenders’ portfolios, the HMDA data show. Of those sold to investors, nearly 30 percent went to non-agency buyers. Of the federal agencies, Fannie Mae had a 20.5 percent share, 14.4 percent went to Ginnie Mae, and Freddie Mac bought another 10 percent. Exactly two loans were sold to agricultural secondary agency Farmer Mac.

First liens dominated lending, at more than 94 percent of mortgages. The average first lien was $228,000, with the average subordinated lien coming to $74,600.

Jumbo lending did not make up a big percentage of Texan loans in 2015, with less than five percent being above the conforming loan limits of $417,000. Fully 95 percent of loan volume was below the conforming limit.

Loan types split about 70-30 between conventional and government mortgages. The Federal Housing Administration was the largest of the guvvies, at 18 percent, with the Veterans Administration coming in at about nine percent. Farm Service Agency/Rural Housing Service volume was less than one percent.

Upper income borrowers took more than half of the Texas volume. Middle income borrowers got a little less than 21 percent, while low- and moderate-income borrowers had a 17 percent share combined.

Men dominated the gender rollup (the percentage of applications with at least one male versus apps with females and no males. Three quarters of the gender rollup went to men.

Looking at the dollar amount, more than $100 billion went to owner-occupied units, with about $10 billion in non-owner occupied mortgages. More than $120 billion was loaned for first lien properties, and more than $109 billion in one-to-four family mortgages.

(Mark Fogarty is a journalist and analyst who has been covering the mortgage industry for more than 30 years.)