Texoma Community Credit Union mortgage approval rate & lending review
Texoma Community Credit Union decided 465 mortgage applications and funded 461 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Texoma Community Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Texoma Community Credit Union at a glance
Approval is 21.8 points above the 77.5% 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 | 100% | 127 / 127 | 100% | $85K | 127 |
| Cash-out refinance | 98% | 173 / 176 | 100% | $65K | 173 |
| Investment property purchase | 100% | 47 / 47 | 100% | $85K | 47 |
| Investment refinance | 100% | 77 / 77 | 99% | $95K | 76 |
Texoma Community Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 99% | $85K | 464 | 460 |
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 Texoma Community Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wichita County, TX | Cash-out refinance | 98% | 172 | 169 |
| Wichita County, TX | Mortgage lenders | 100% | 124 | 124 |
| Wichita County, TX | Investment refinance | 100% | 76 | 75 |
| Wichita County, TX | Investment property purchase | 100% | 46 | 46 |
The county markets where Texoma Community Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Texoma Community Credit Union
What is Texoma Community Credit Union's mortgage approval rate?
Texoma Community Credit Union approved 99.4% of the 465 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 21.8 points above the 77.5% national rate for the same mix of loan types.
How often do borrowers take the loan Texoma Community Credit Union offers?
Borrowers accepted 100% of the loans Texoma Community 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 Texoma Community Credit Union make?
The typical cash-out refinance loan Texoma Community Credit Union made was $65K; across all loan types its typical loan ran from $65K to $95K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Texoma Community Credit Union lend?
Texoma Community Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Texas and Oklahoma.
Can I apply to Texoma Community Credit Union directly?
Yes. Texoma Community Credit Union is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Texoma Community 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 Texoma Community Credit Union treats applications, then get a rate quote from the lender.