Texas Bank and Trust Company mortgage approval rate & lending review
Texas Bank and Trust Company decided 1,041 mortgage applications and funded 710 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Texas Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Texas Bank and Trust Company at a glance
Approval is 4.3 points above the 82.4% 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 | 87% | 508 / 581 | 74% | $355K | 377 |
| Home improvement loans | 71% | 67 / 94 | 64% | $65K | 43 |
| Cash-out refinance | 74% | 59 / 80 | 73% | $125K | 43 |
| Refinance | 80% | 36 / 45 | 75% | $305K | 27 |
| Investment property purchase | 96% | 192 / 199 | 94% | $195K | 180 |
Texas Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 87% | $355K | 1,032 | 702 |
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 Texas Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Smith County, TX | Mortgage lenders | 92% | 261 | 183 |
| Gregg County, TX | Mortgage lenders | 84% | 124 | 76 |
| Smith County, TX | Investment property purchase | 97% | 79 | 69 |
| Gregg County, TX | Investment property purchase | 94% | 36 | 34 |
| Gregg County, TX | Home improvement loans | 76% | 46 | 25 |
| Gregg County, TX | Cash-out refinance | 84% | 31 | 21 |
| Smith County, TX | Home improvement loans | 69% | 36 | 16 |
| Smith County, TX | Cash-out refinance | 69% | 26 | 14 |
The county markets where Texas Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Texas Bank and Trust Company
What is Texas Bank and Trust Company's mortgage approval rate?
Texas Bank and Trust Company approved 86.6% of the 1,041 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.3 points above the 82.4% national rate for the same mix of loan types.
How often do borrowers take the loan Texas Bank and Trust Company offers?
Borrowers accepted 79% of the loans Texas Bank and Trust Company 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 Texas Bank and Trust Company make?
The typical home purchase mortgage loan Texas Bank and Trust Company made was $355K; across all loan types its typical loan ran from $65K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Texas Bank and Trust Company lend?
Texas Bank and Trust Company decided applications in 8 of the states Fat Boy Data covers, most of them in Texas, Florida and Alabama.
Can I apply to Texas Bank and Trust Company directly?
Yes. Texas Bank and Trust Company is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Texas Bank and Trust Company'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 Texas Bank and Trust Company treats applications, then get a rate quote from the lender.