TEXELL Credit Union mortgage approval rate & lending review
TEXELL Credit Union decided 801 mortgage applications and funded 581 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions TEXELL Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
TEXELL Credit Union at a glance
Approval is 5.7 points above the 71.8% 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 | 86% | 101 / 118 | 86% | $195K | 87 |
| Home improvement loans | 19% | 7 / 37 | 86% | $75K | 6 |
| Cash-out refinance | 82% | 466 / 565 | 95% | $65K | 445 |
| Refinance | 59% | 32 / 54 | 94% | $75K | 30 |
TEXELL Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 78% | $65K | 801 | 581 |
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 TEXELL Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bell County, TX | Cash-out refinance | 82% | 424 | 332 |
| Bell County, TX | Mortgage lenders | 84% | 82 | 60 |
| McLennan County, TX | Cash-out refinance | 81% | 53 | 42 |
| Williamson County, TX | Cash-out refinance | 83% | 48 | 38 |
| Bell County, TX | Refinance | 57% | 35 | 20 |
| Bell County, TX | Home improvement loans | 19% | 32 | 5 |
The county markets where TEXELL Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about TEXELL Credit Union
What is TEXELL Credit Union's mortgage approval rate?
TEXELL Credit Union approved 77.5% of the 801 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.7 points above the 71.8% national rate for the same mix of loan types.
How often do borrowers take the loan TEXELL Credit Union offers?
Borrowers accepted 94% of the loans TEXELL 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 TEXELL Credit Union make?
The typical cash-out refinance loan TEXELL Credit Union made was $65K; across all loan types its typical loan ran from $65K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does TEXELL Credit Union lend?
TEXELL Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to TEXELL Credit Union directly?
Yes. TEXELL Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show TEXELL 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 TEXELL Credit Union treats applications, then get a rate quote from the lender.