CREDIT UNION OF TEXAS
CREDIT UNION OF TEXAS received 4,585 applications in 2025 and made 2,535 mortgages, in 121 counties across 9 states. The median rate its borrowers got was 7.750% on a median loan of $105,000. Of 4,106 decisions, 1,333 were denials — 32.5%, most often for credit history.
| Legal Entity Identifier | 254900Z5QRSHW4Y8CR51 |
|---|---|
| Applications received | 4,585 |
| Mortgages made | 2,535 |
| Denied | 1,333 |
| Approved, not taken up | 238 |
| Withdrawn or incomplete | 479 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | 0 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 2,531 | 7.750% | $105,000 | 32.4% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 80.0% |
Where CREDIT UNION OF TEXAS lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dallas County, TX | 858 | 7.800% | 34.1% |
| Collin County, TX | 489 | 7.700% | 24.2% |
| Denton County, TX | 291 | 7.800% | 28.0% |
| Tarrant County, TX | 142 | 7.700% | 36.4% |
| Rockwall County, TX | 83 | 7.600% | 29.7% |
| Kaufman County, TX | 73 | 8.150% | 40.6% |
| Ellis County, TX | 60 | 7.800% | 35.1% |
| Harris County, TX | 47 | 7.925% | 32.9% |
| Upshur County, TX | 47 | 7.800% | 27.9% |
| Hunt County, TX | 32 | 7.775% | 39.7% |
| Lamar County, TX | 29 | 7.700% | 33.3% |
| Smith County, TX | 26 | 7.650% | 35.6% |
| Grayson County, TX | 24 | 7.800% | 27.8% |
| Montgomery County, TX | 21 | 7.800% | 27.3% |
| Fort Bend County, TX | 20 | 7.775% | 20.0% |
| Travis County, TX | 20 | 7.800% | 35.1% |
| Fannin County, TX | 16 | 7.875% | 43.3% |
| Hopkins County, TX | 16 | 7.600% | 36.0% |
| Wood County, TX | 16 | 7.900% | 20.0% |
| Gregg County, TX | 15 | 8.000% | 27.3% |
| Brazoria County, TX | 13 | 7.350% | 25.0% |
| Bexar County, TX | 10 | 7.675% | 62.9% |
| Williamson County, TX | 10 | 7.800% | 47.6% |
| Johnson County, TX | 9 | Under 10 loans | 54.6% |
| Henderson County, TX | 7 | Under 10 loans | 50.0% |
| Van Zandt County, TX | 7 | Under 10 loans | 36.4% |
| Bell County, TX | 6 | Under 10 loans | 47.1% |
| Hays County, TX | 6 | Under 10 loans | 22.2% |
| Hidalgo County, TX | 6 | Under 10 loans | 0.0% |
| Wise County, TX | 6 | Under 10 loans | 25.0% |
| Cameron County, TX | 5 | Under 10 loans | 54.6% |
| Camp County, TX | 5 | Under 10 loans | 16.7% |
| Galveston County, TX | 5 | Under 10 loans | 41.7% |
| Rusk County, TX | 5 | Under 10 loans | 54.6% |
| Brazos County, TX | 4 | Under 10 loans | 0.0% |
| Caldwell County, TX | 4 | Under 10 loans | 0.0% |
| Harrison County, TX | 4 | Under 10 loans | 16.7% |
| Hood County, TX | 4 | Under 10 loans | 20.0% |
| McLennan County, TX | 4 | Under 10 loans | 20.0% |
| Parker County, TX | 4 | Under 10 loans | 44.4% |
| Somervell County, TX | 4 | Under 10 loans | 0.0% |
| Titus County, TX | 4 | Under 10 loans | 33.3% |
| Comal County, TX | 3 | Under 10 loans | 50.0% |
| Cooke County, TX | 3 | Under 10 loans | 50.0% |
| Hill County, TX | 3 | Under 10 loans | 25.0% |
| Jefferson County, TX | 3 | Under 10 loans | 40.0% |
| Lubbock County, TX | 3 | Under 10 loans | 40.0% |
| Midland County, TX | 3 | Under 10 loans | 33.3% |
| Wichita County, TX | 3 | Under 10 loans | 40.0% |
| Bastrop County, TX | 2 | Under 10 loans | 50.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.