Texas Bay Area Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, Texas Bay Area Credit Union of Houston, TX reported 738 mortgage applications totaling $102.9 million, down 16% from 2022. The average application was for $139,444, and applicants reported an average income of $107,020. 31% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (516), Austin-Round Rock, TX (2) and College Station-Bryan, TX (2) (applications in parentheses).
| Mortgage Company & Address | Texas Bay Area Credit Union 12611 Fuqua St Houston, TX 77034 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 738 |
| Total Mortgage Loan Application Amount | $102,910,000 |
| Average Mortgage Loan Application Amount | $139,444 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $107,020 |
| Highest Applicant Income | $1,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texas Bay Area Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 516 | $ 75,480,000 | $ 146,279 | $ 117,000 |
| Outside any metro area | 217 | $ 26,935,000 | $ 124,124 | $ 83,041 |
| Austin-Round Rock, TX | 2 | $ 310,000 | $ 155,000 | $ 194,000 |
| College Station-Bryan, TX | 2 | $ 50,000 | $ 25,000 | $ 75,000 |
| Longview, TX | 1 | $ 135,000 | $ 135,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Texas Bay Area Credit Union in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 245 | $19,505,000 | $79,000 | $405,000 | $110,000 | $1,500,000 |
| Home Purchase | 215 | $44,805,000 | $208,000 | $805,000 | $106,000 | $1,376,000 |
| Home Improvement | 142 | $11,970,000 | $84,000 | $405,000 | $102,000 | $552,000 |
| Refinancing | 69 | $11,545,000 | $167,000 | $1,005,000 | $109,000 | $948,000 |
| Cash-out Refinancing | 67 | $15,085,000 | $225,000 | $725,000 | $108,000 | $540,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 406 | $50,290,000 | $123,000 | $805,000 | $87,000 | $948,000 |
| White | 146 | $22,400,000 | $153,000 | $1,005,000 | $148,000 | $1,500,000 |
| Black or African American | 90 | $12,890,000 | $143,000 | $655,000 | $98,000 | $552,000 |
| Not Provided | 58 | $8,100,000 | $139,000 | $725,000 | $123,000 | $1,376,000 |
| Asian | 37 | $9,055,000 | $244,000 | $725,000 | $162,000 | $355,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $29,000 | $29,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 708 | $97,300,000 | $137,000 | $1,005,000 | $109,000 | $1,500,000 |
| FHA-insured (Federal Housing Administration) | 30 | $5,610,000 | $187,000 | $335,000 | $49,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 350 | $40,360,000 | $115,000 | $1,005,000 | $88,000 | $948,000 |
| Loan Originated | 227 | $31,065,000 | $136,000 | $655,000 | $149,000 | $1,500,000 |
| Preapproval Denied by Financial Institution | 94 | $16,150,000 | $171,000 | $725,000 | $65,000 | $320,000 |
| Application Withdrawn By Applicant | 52 | $12,500,000 | $240,000 | $805,000 | $119,000 | $340,000 |
| File Closed For Incompleteness | 15 | $2,835,000 | $189,000 | $395,000 | $133,000 | $298,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 294 | $46,400,000 | $157,000 | $805,000 | $143,000 | $1,500,000 |
| Other | 164 | $21,530,000 | $131,000 | $725,000 | $92,000 | $948,000 |
| Debt-To-Income Ratio | 158 | $24,970,000 | $158,000 | $1,005,000 | $68,000 | $239,000 |
| Credit History | 93 | $7,705,000 | $82,000 | $335,000 | $86,000 | $624,000 |
| Collateral | 22 | $1,310,000 | $59,000 | $135,000 | $119,000 | $312,000 |
| Unverifiable Information | 5 | $695,000 | $139,000 | $195,000 | $94,000 | $142,000 |
| Employment History | 2 | $300,000 | $150,000 | $175,000 | $58,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Texas Bay Area Credit Union's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Texas Bay Area Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About