Credit Union of Texas mortgage approval rate & lending review
Credit Union of Texas decided 11,918 mortgage applications and funded 7,406 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Credit Union of Texas reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Credit Union of Texas at a glance
Approval is 0.0 points below the 68.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Cash-out refinance | 68% | 8,105 / 11,885 | 91% | $85K | 7,382 |
Credit Union of Texas lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 68% | $85K | 11,893 | 7,403 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Credit Union of Texas lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Dallas County, TX | Cash-out refinance | 66% | 4,383 | 2,613 |
| Collin County, TX | Cash-out refinance | 76% | 2,246 | 1,566 |
| Denton County, TX | Cash-out refinance | 72% | 1,332 | 885 |
| Tarrant County, TX | Cash-out refinance | 67% | 775 | 469 |
| Rockwall County, TX | Cash-out refinance | 75% | 448 | 307 |
| Kaufman County, TX | Cash-out refinance | 66% | 436 | 264 |
| Ellis County, TX | Cash-out refinance | 65% | 310 | 189 |
| Harris County, TX | Cash-out refinance | 58% | 330 | 173 |
| Hunt County, TX | Cash-out refinance | 65% | 168 | 100 |
| Fort Bend County, TX | Cash-out refinance | 71% | 133 | 83 |
| Montgomery County, TX | Cash-out refinance | 63% | 135 | 75 |
| Grayson County, TX | Cash-out refinance | 73% | 108 | 74 |
The county markets where Credit Union of Texas made the most loans. Each link opens that market with every lender ranked.
Questions about Credit Union of Texas
What is Credit Union of Texas's mortgage approval rate?
Credit Union of Texas approved 68.2% of the 11,918 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.0 points below the 68.3% national rate for the same mix of loan types.
How often do borrowers take the loan Credit Union of Texas offers?
Borrowers accepted 91% of the loans Credit Union of Texas approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Credit Union of Texas make?
The typical cash-out refinance loan Credit Union of Texas made was $85K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Credit Union of Texas lend?
Credit Union of Texas decided applications in 18 of the states Fat Boy Data covers, most of them in Texas, Oklahoma and Arkansas.
Can I apply to Credit Union of Texas directly?
Yes. Credit Union of Texas is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Credit Union of Texas's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Credit Union of Texas treats applications, then get a rate quote from the lender.