# TEXAS BAY

> **Canonical URL:** https://saferate.com/lenders/texas-bay


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TEXAS BAY is a credit union, headquartered in Houston, TX, with 14 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 83% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300Z4E78BSM0XM758
- **Headquarters:** Houston, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)


### Lending Volume
- **Total Loans:** 14
- **Dollar Volume:** $2 million
- **Applications Received:** 151
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $116,429
- **Average Borrower Income:** $170,500
- **Average Property Value:** $312,857

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 10/100 | 14 | +1.711% | $834 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 15/100 | 14 | $2M | +1.711% | Mediocre 😐 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 14 | 0.00% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 13 | 53/100 |

## Frequently Asked Questions

### What loan types does TEXAS BAY offer?

TEXAS BAY offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TEXAS BAY offer mortgages?

TEXAS BAY offers mortgages in 1 states: TX.

### What type of lender is TEXAS BAY?

TEXAS BAY is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Houston, TX.

### What is TEXAS BAY's loan approval success rate?

TEXAS BAY has a pull-through score of 17/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/texas-bay

### How to Cite

> "TEXAS BAY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/texas-bay

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