Neches mortgage approval rate & lending review
Neches decided 562 mortgage applications and funded 492 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Neches reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Neches at a glance
Approval is 14.7 points above the 78.7% 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 | 94% | 159 / 169 | 86% | $215K | 136 |
| Cash-out refinance | 86% | 130 / 151 | 94% | $95K | 122 |
| Investment property purchase | 100% | 93 / 93 | 99% | $85K | 92 |
| Investment cash-out refinance | 99% | 123 / 124 | 100% | $95K | 123 |
Neches lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 93% | $95K | 562 | 492 |
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 Neches lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, TX | Mortgage lenders | 94% | 154 | 122 |
| Jefferson County, TX | Cash-out refinance | 87% | 146 | 119 |
| Jefferson County, TX | Investment property purchase | 100% | 87 | 86 |
The county markets where Neches made the most loans. Each link opens that market with every lender ranked.
Questions about Neches
What is Neches's mortgage approval rate?
Neches approved 93.4% of the 562 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.7 points above the 78.7% national rate for the same mix of loan types.
How often do borrowers take the loan Neches offers?
Borrowers accepted 94% of the loans Neches approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Neches make?
The typical home purchase mortgage loan Neches made was $215K; across all loan types its typical loan ran from $85K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Neches lend?
Neches decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Neches directly?
Yes. Neches is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Neches'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 Neches treats applications, then get a rate quote from the lender.