Community Bank & Trust, Waco, Texas mortgage approval rate & lending review
Community Bank & Trust, Waco, Texas decided 346 mortgage applications and funded 303 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Community Bank & Trust, Waco, Texas reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Community Bank & Trust, Waco, Texas at a glance
Approval is 9.0 points above the 78.8% 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 | 91% | 139 / 152 | 99% | $295K | 138 |
| Home improvement loans | 83% | 54 / 65 | 100% | $65K | 54 |
| Refinance | 72% | 46 / 64 | 100% | $155K | 46 |
| Investment property purchase | 100% | 32 / 32 | 100% | $215K | 32 |
Community Bank & Trust, Waco, Texas lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 88% | $215K | 346 | 303 |
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 Community Bank & Trust, Waco, Texas lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McLennan County, TX | Mortgage lenders | 91% | 152 | 138 |
| McLennan County, TX | Home improvement loans | 83% | 65 | 54 |
| McLennan County, TX | Refinance | 72% | 64 | 46 |
| McLennan County, TX | Investment property purchase | 100% | 32 | 32 |
The county markets where Community Bank & Trust, Waco, Texas made the most loans. Each link opens that market with every lender ranked.
Questions about Community Bank & Trust, Waco, Texas
What is Community Bank & Trust, Waco, Texas's mortgage approval rate?
Community Bank & Trust, Waco, Texas approved 87.9% of the 346 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.0 points above the 78.8% national rate for the same mix of loan types.
How often do borrowers take the loan Community Bank & Trust, Waco, Texas offers?
Borrowers accepted 100% of the loans Community Bank & Trust, Waco, Texas approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Community Bank & Trust, Waco, Texas make?
The typical home purchase mortgage loan Community Bank & Trust, Waco, Texas made was $295K; across all loan types its typical loan ran from $65K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Community Bank & Trust, Waco, Texas lend?
Community Bank & Trust, Waco, Texas decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Community Bank & Trust, Waco, Texas directly?
Yes. Community Bank & Trust, Waco, Texas is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Community Bank & Trust, Waco, Texas'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 Community Bank & Trust, Waco, Texas treats applications, then get a rate quote from the lender.