EAST TEXAS PROFESSIONAL Credit Union
EAST TEXAS PROFESSIONAL Credit Union received 597 applications in 2025 and made 324 mortgages, in 34 counties across 1 state. The median rate its borrowers got was 6.875% on a median loan of $95,000. Of 434 decisions, 102 were denials — 23.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300M59800JNGYFP30 |
|---|---|
| Applications received | 597 |
| Mortgages made | 324 |
| Denied | 102 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 163 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.565 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 | 48 | 6.875% | $205,000 | 20.6% |
| Refinancing | 75 | 6.875% | $285,000 | 15.0% |
| Cash-out refinancing | 198 | 7.000% | $65,000 | 27.0% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 25.0% |
Where EAST TEXAS PROFESSIONAL Credit Union lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Gregg County, TX | 102 | 6.875% | 21.1% |
| Harrison County, TX | 51 | 6.875% | 25.7% |
| Upshur County, TX | 30 | 6.875% | 18.4% |
| Rusk County, TX | 28 | 6.938% | 25.0% |
| Smith County, TX | 21 | 6.875% | 24.1% |
| Morris County, TX | 13 | 6.875% | 7.1% |
| Cass County, TX | 12 | 6.875% | 0.0% |
| Nacogdoches County, TX | 11 | 6.875% | 35.3% |
| Titus County, TX | 9 | Under 10 loans | 35.7% |
| Panola County, TX | 8 | Under 10 loans | 46.7% |
| Angelina County, TX | 7 | Under 10 loans | 30.0% |
| Camp County, TX | 7 | Under 10 loans | 0.0% |
| Anderson County, TX | 4 | Under 10 loans | 20.0% |
| Marion County, TX | 4 | Under 10 loans | 20.0% |
| Cherokee County, TX | 2 | Under 10 loans | 33.3% |
| Franklin County, TX | 2 | Under 10 loans | 0.0% |
| Hopkins County, TX | 2 | Under 10 loans | 33.3% |
| Polk County, TX | 2 | Under 10 loans | 0.0% |
| Aransas County, TX | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 50.0% |
| Montgomery County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 50.0% |
| Wharton County, TX | 1 | Under 10 loans | 0.0% |
| Wise County, TX | 1 | Under 10 loans | 0.0% |
| Wood County, TX | 1 | Under 10 loans | 0.0% |
| Bowie County, TX | 0 | Under 10 loans | Not published |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
| Ellis County, TX | 0 | Under 10 loans | Not published |
| Kaufman County, TX | 0 | Under 10 loans | 100.0% |
| Shelby County, TX | 0 | Under 10 loans | Not published |
| Trinity County, TX | 0 | Under 10 loans | Not published |
| Van Zandt County, TX | 0 | Under 10 loans | 100.0% |
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When EAST TEXAS PROFESSIONAL Credit Union’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.