Austin Telco mortgage approval rate & lending review
Austin Telco decided 1,402 mortgage applications and funded 901 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Austin Telco reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Austin Telco at a glance
Approval is 2.9 points above the 66.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 64% | 45 / 70 | 89% | $405K | 40 |
| Home improvement loans | 69% | 602 / 867 | 93% | $85K | 562 |
| Cash-out refinance | 70% | 290 / 414 | 94% | $145K | 272 |
| Refinance | 71% | 20 / 28 | 85% | $65K | 17 |
Austin Telco lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 69% | $85K | 1,397 | 896 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Austin Telco lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Travis County, TX | Home improvement loans | 69% | 454 | 293 |
| Williamson County, TX | Home improvement loans | 72% | 322 | 216 |
| Williamson County, TX | Cash-out refinance | 80% | 167 | 123 |
| Travis County, TX | Cash-out refinance | 62% | 202 | 119 |
| Hays County, TX | Home improvement loans | 70% | 47 | 30 |
| Hays County, TX | Cash-out refinance | 77% | 30 | 22 |
| Bastrop County, TX | Home improvement loans | 51% | 37 | 18 |
The county markets where Austin Telco made the most loans. Each link opens that market with every lender ranked.
Questions about Austin Telco
What is Austin Telco's mortgage approval rate?
Austin Telco approved 69.0% of the 1,402 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.9 points above the 66.1% national rate for the same mix of loan types.
How often do borrowers take the loan Austin Telco offers?
Borrowers accepted 93% of the loans Austin Telco approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Austin Telco make?
The typical home improvement loan loan Austin Telco made was $85K; across all loan types its typical loan ran from $65K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Austin Telco lend?
Austin Telco decided applications in 6 of the states Fat Boy Data covers, most of them in Texas, Alabama and Illinois.
Can I apply to Austin Telco directly?
Yes. Austin Telco is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Austin Telco's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Austin Telco treats applications, then get a rate quote from the lender.