Texas Bay mortgage approval rate & lending review
Texas Bay decided 979 mortgage applications and funded 461 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Texas Bay reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Texas Bay at a glance
Approval is 31.1 points below the 78.3% 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 | 46% | 237 / 513 | 99% | $105K | 235 |
| Home improvement loans | 46% | 125 / 271 | 100% | $75K | 125 |
| Cash-out refinance | 62% | 35 / 56 | 100% | $205K | 35 |
| Refinance | 40% | 38 / 95 | 100% | $135K | 38 |
| Investment property purchase | 75% | 24 / 32 | 100% | $215K | 24 |
Texas Bay lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 47% | $105K | 978 | 460 |
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 Bay lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Home improvement loans | 44% | 225 | 100 |
| Harris County, TX | Refinance | 39% | 77 | 30 |
The county markets where Texas Bay made the most loans. Each link opens that market with every lender ranked.
Questions about Texas Bay
What is Texas Bay's mortgage approval rate?
Texas Bay approved 47.3% of the 979 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 31.1 points below the 78.3% national rate for the same mix of loan types.
How often do borrowers take the loan Texas Bay offers?
Borrowers accepted 100% of the loans Texas Bay 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 Bay make?
The typical home purchase mortgage loan Texas Bay made was $105K; across all loan types its typical loan ran from $75K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Texas Bay lend?
Texas Bay decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and Tennessee.
Can I apply to Texas Bay directly?
Yes. Texas Bay is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Texas Bay'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 Bay treats applications, then get a rate quote from the lender.