Dugood Federal Credit Union mortgage approval rate & lending review
Dugood Federal Credit Union decided 434 mortgage applications and funded 344 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Dugood Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Dugood Federal Credit Union at a glance
Approval is 5.7 points above the 77.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 80% | 65 / 81 | 92% | $205K | 60 |
| Home improvement loans | 65% | 45 / 69 | 91% | $45K | 41 |
| Refinance | 79% | 90 / 114 | 94% | $115K | 85 |
| Investment refinance | 95% | 145 / 153 | 99% | $95K | 144 |
Dugood Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 83% | $95K | 434 | 344 |
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 Dugood Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, TX | Investment refinance | 96% | 110 | 105 |
| Jefferson County, TX | Refinance | 81% | 102 | 78 |
| Jefferson County, TX | Mortgage lenders | 81% | 62 | 46 |
| Jefferson County, TX | Home improvement loans | 67% | 57 | 34 |
| Harris County, TX | Investment refinance | 93% | 28 | 26 |
The county markets where Dugood Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Dugood Federal Credit Union
What is Dugood Federal Credit Union's mortgage approval rate?
Dugood Federal Credit Union approved 82.9% of the 434 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.7 points above the 77.2% national rate for the same mix of loan types.
How often do borrowers take the loan Dugood Federal Credit Union offers?
Borrowers accepted 96% of the loans Dugood Federal Credit Union approved, against 92% for all investment property refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Dugood Federal Credit Union make?
The typical investment property refinance loan Dugood Federal Credit Union made was $95K; across all loan types its typical loan ran from $45K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Dugood Federal Credit Union lend?
Dugood Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Dugood Federal Credit Union directly?
Yes. Dugood Federal Credit Union is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Dugood Federal Credit Union'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 Dugood Federal Credit Union treats applications, then get a rate quote from the lender.