Texas Bay in Texas vs the state
54.0%Denial rate+34.58 pts vs state
55.2%Decision denial rate+30.29 pts vs state
43.6%Origination rate-11.30 pts vs state
6.63%Median rate+0.13 pts vs state
0.70Rate spread (pts)+0.51 pts vs state
$101kMedian applicant income
326Loans originated
404Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 644 | 227 | 54.4% | 8.65% | #221 |
| 2024 | 555 | 133 | 76.0% | 9.77% | #240 |
| 2025 | 748 | 326 | 54.0% | 6.63% | #201 |
What Texas Bay lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Texas Bay applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 522 | 209 | 301 | 57.7% |
| Fort Bend County | 66 | 30 | 35 | 53.0% |
| Galveston County | 51 | 22 | 28 | 54.9% |
| Brazoria County | 50 | 25 | 24 | 48.0% |
| Montgomery County | 19 | 15 | 3 | 15.8% |
| Liberty County | 10 | 5 | 5 | 50.0% |
| Chambers County | 8 | 5 | 2 | 25.0% |
| Wharton County | 3 | 2 | 0 | 0.0% |
| Bexar County | 2 | 2 | 0 | 0.0% |
| Waller County | 2 | 2 | 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: 748 applications in 2025, of which 326 were originated and 404 denied.
54.0% of all applications, or 55.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Texas Bay originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Texas Bay'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