Houston Federal Credit Union mortgage approval rate & lending review
Houston Federal Credit Union decided 401 mortgage applications and funded 285 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Houston Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Houston Federal Credit Union at a glance
Approval is 1.0 points above the 73.1% 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 | 87% | 97 / 112 | 93% | $345K | 90 |
| Home improvement loans | 73% | 83 / 114 | 100% | $65K | 83 |
| Cash-out refinance | 70% | 93 / 133 | 95% | $145K | 88 |
Houston Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 74% | $145K | 388 | 276 |
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 Houston Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Cash-out refinance | 70% | 71 | 49 |
| Harris County, TX | Home improvement loans | 67% | 58 | 39 |
| Fort Bend County, TX | Home improvement loans | 79% | 47 | 37 |
| Fort Bend County, TX | Cash-out refinance | 68% | 50 | 30 |
The county markets where Houston Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Houston Federal Credit Union
What is Houston Federal Credit Union's mortgage approval rate?
Houston Federal Credit Union approved 74.1% of the 401 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.0 points above the 73.1% national rate for the same mix of loan types.
How often do borrowers take the loan Houston Federal Credit Union offers?
Borrowers accepted 96% of the loans Houston Federal Credit Union 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 Houston Federal Credit Union make?
The typical cash-out refinance loan Houston Federal Credit Union made was $145K; across all loan types its typical loan ran from $65K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Houston Federal Credit Union lend?
Houston Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and South Carolina.
Can I apply to Houston Federal Credit Union directly?
Yes. Houston Federal Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Houston 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 Houston Federal Credit Union treats applications, then get a rate quote from the lender.