DATCU
DATCU received 735 applications in 2025 and made 366 mortgages, in 35 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $155,000. Of 562 decisions, 196 were denials — 34.9%, most often for credit application incomplete.
| Legal Entity Identifier | 549300FOPGYPVP42FW34 |
|---|---|
| Applications received | 735 |
| Mortgages made | 366 |
| Denied | 196 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 173 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.9225 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 | 84 | 6.000% | $305,000 | 18.5% |
| Refinancing | 59 | 6.125% | $215,000 | 73.1% |
| Cash-out refinancing | 222 | 7.500% | $75,000 | 6.7% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 50.0% |
Where DATCU lends most
The 35 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Denton County, TX | 271 | 7.250% | 31.2% |
| Wise County, TX | 23 | 7.500% | 42.5% |
| Collin County, TX | 17 | 7.250% | 37.0% |
| Tarrant County, TX | 16 | 6.188% | 40.7% |
| Dallas County, TX | 13 | 7.500% | 40.9% |
| Grayson County, TX | 8 | Under 10 loans | 42.9% |
| Cooke County, TX | 6 | Under 10 loans | 60.0% |
| Montague County, TX | 3 | Under 10 loans | 0.0% |
| Anderson County, TX | 1 | Under 10 loans | 0.0% |
| Brown County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 50.0% |
| Kaufman County, TX | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Shackelford County, TX | 1 | Under 10 loans | 0.0% |
| Van Zandt County, TX | 1 | Under 10 loans | 0.0% |
| Cameron County, TX | 0 | Under 10 loans | Not published |
| Cherokee County, TX | 0 | Under 10 loans | Not published |
| Ector County, TX | 0 | Under 10 loans | 100.0% |
| Ellis County, TX | 0 | Under 10 loans | 100.0% |
| El Paso County, TX | 0 | Under 10 loans | 100.0% |
| Erath County, TX | 0 | Under 10 loans | Not published |
| Galveston County, TX | 0 | Under 10 loans | Not published |
| Harris County, TX | 0 | Under 10 loans | 100.0% |
| Harrison County, TX | 0 | Under 10 loans | 100.0% |
| Hockley County, TX | 0 | Under 10 loans | Not published |
| Hopkins County, TX | 0 | Under 10 loans | Not published |
| Hunt County, TX | 0 | Under 10 loans | 100.0% |
| Jack County, TX | 0 | Under 10 loans | Not published |
| Jefferson County, TX | 0 | Under 10 loans | Not published |
| Liberty County, TX | 0 | Under 10 loans | 100.0% |
| McLennan County, TX | 0 | Under 10 loans | 100.0% |
| Travis County, TX | 0 | Under 10 loans | Not published |
| Young County, TX | 0 | Under 10 loans | Not published |
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When DATCU’s figures are published for the next year, or restated.
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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.