Bay Equity in Texas vs the state
2.9%Denial rate-16.49 pts vs state
4.4%Decision denial rate-20.50 pts vs state
63.3%Origination rate+8.43 pts vs state
6.63%Median rate+0.13 pts vs state
0.21Rate spread (pts)+0.02 pts vs state
$145kMedian applicant income
302Loans originated
14Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 912 | 596 | 2.5% | 6.63% | #165 |
| 2024 | 1,187 | 829 | 2.4% | 6.63% | #145 |
| 2025 | 477 | 302 | 2.9% | 6.63% | #266 |
What Bay Equity lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Bay Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 71 | 47 | 2 | 2.8% |
| Travis County | 65 | 40 | 1 | 1.5% |
| Bexar County | 52 | 35 | 1 | 1.9% |
| Collin County | 45 | 23 | 3 | 6.7% |
| Tarrant County | 37 | 29 | 0 | 0.0% |
| Williamson County | 30 | 16 | 0 | 0.0% |
| Dallas County | 29 | 14 | 1 | 3.4% |
| Denton County | 27 | 15 | 1 | 3.7% |
| Montgomery County | 15 | 11 | 0 | 0.0% |
| Hays County | 11 | 7 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 477 applications in 2025, of which 302 were originated and 14 denied.
2.9% of all applications, or 4.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Bay Equity originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Bay Equity's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology