TEXAS BAY
TEXAS BAY received 749 applications in 2025 and made 327 mortgages, in 26 counties across 2 states. The median rate its borrowers got was 6.625% on a median loan of $125,000. Of 733 decisions, 404 were denials — 55.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Z4E78BSM0XM758 |
|---|---|
| Applications received | 749 |
| Mortgages made | 327 |
| Denied | 404 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.699 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 101 | 5.875% | $305,000 | 2.8% |
| Refinancing | 20 | 5.995% | $145,000 | 53.5% |
| Cash-out refinancing | 23 | 6.250% | $235,000 | 8.0% |
| Other purposes | 183 | 7.990% | $75,000 | 67.3% |
Where TEXAS BAY lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 209 | 6.890% | 58.8% |
| Fort Bend County, TX | 30 | 6.540% | 53.8% |
| Brazoria County, TX | 25 | 7.375% | 49.0% |
| Galveston County, TX | 22 | 6.433% | 56.0% |
| Montgomery County, TX | 15 | 6.190% | 16.7% |
| Chambers County, TX | 5 | Under 10 loans | 28.6% |
| Liberty County, TX | 5 | Under 10 loans | 50.0% |
| Bexar County, TX | 2 | Under 10 loans | 0.0% |
| Waller County, TX | 2 | Under 10 loans | 0.0% |
| Wharton County, TX | 2 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 0.0% |
| Brazos County, TX | 1 | Under 10 loans | 0.0% |
| Burleson County, TX | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Kinney County, TX | 1 | Under 10 loans | 0.0% |
| Leon County, TX | 1 | Under 10 loans | 0.0% |
| Matagorda County, TX | 1 | Under 10 loans | 0.0% |
| Tyler County, TX | 1 | Under 10 loans | 0.0% |
| Walker County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 0 | Under 10 loans | 100.0% |
| Newton County, TX | 0 | Under 10 loans | 100.0% |
| Nueces County, TX | 0 | Under 10 loans | 100.0% |
| Polk County, TX | 0 | Under 10 loans | 100.0% |
| Travis County, TX | 0 | Under 10 loans | 100.0% |
| Wise County, TX | 0 | Under 10 loans | 100.0% |
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When TEXAS BAY’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.