Shell Federal Credit Union mortgage approval rate & lending review
Shell Federal Credit Union decided 3,200 mortgage applications and funded 1,438 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Shell Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Shell Federal Credit Union at a glance
Approval is 11.4 points below the 68.6% 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 | 95% | 306 / 322 | 73% | $225K | 223 |
| Home improvement loans | 45% | 673 / 1,506 | 76% | $65K | 509 |
| Cash-out refinance | 71% | 721 / 1,014 | 87% | $125K | 625 |
| Refinance | 29% | 80 / 273 | 54% | $115K | 43 |
| Investment property purchase | 86% | 30 / 35 | 80% | $145K | 24 |
| Investment refinance | 45% | 19 / 42 | 63% | $155K | 12 |
Shell Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 57% | $125K | 3,200 | 1,438 |
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 Shell Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Cash-out refinance | 72% | 883 | 545 |
| Harris County, TX | Home improvement loans | 44% | 1,243 | 411 |
| Brazoria County, TX | Cash-out refinance | 72% | 65 | 46 |
| Harris County, TX | Refinance | 28% | 235 | 34 |
| Montgomery County, TX | Home improvement loans | 60% | 65 | 29 |
| Brazoria County, TX | Home improvement loans | 49% | 77 | 28 |
| Galveston County, TX | Home improvement loans | 46% | 54 | 19 |
| Fort Bend County, TX | Home improvement loans | 49% | 41 | 14 |
| Montgomery County, TX | Cash-out refinance | 67% | 21 | 12 |
| Galveston County, TX | Cash-out refinance | 61% | 23 | 11 |
| Harris County, TX | Investment refinance | 43% | 35 | 10 |
The county markets where Shell Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Shell Federal Credit Union
What is Shell Federal Credit Union's mortgage approval rate?
Shell Federal Credit Union approved 57.2% of the 3,200 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.4 points below the 68.6% national rate for the same mix of loan types.
How often do borrowers take the loan Shell Federal Credit Union offers?
Borrowers accepted 79% of the loans Shell Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Shell Federal Credit Union make?
The typical home improvement loan loan Shell Federal Credit Union made was $65K; across all loan types its typical loan ran from $65K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Shell Federal Credit Union lend?
Shell Federal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Shell Federal Credit Union directly?
Yes. Shell Federal Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Shell 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 Shell Federal Credit Union treats applications, then get a rate quote from the lender.