Houston Federal Credit Union
Houston Federal Credit Union received 180 applications in 2025 and made 85 mortgages, in 16 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $195,000. Of 132 decisions, 42 were denials — 31.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300V422J2GUSZPZ35 |
|---|---|
| Applications received | 180 |
| Mortgages made | 85 |
| Denied | 42 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 48 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.385 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 | 26 | 6.375% | $385,000 | 10.0% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Cash-out refinancing | 24 | 6.688% | $175,000 | 31.6% |
| Other purposes | 32 | 7.500% | $85,000 | 37.0% |
Where Houston Federal Credit Union lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 36 | 6.813% | 33.3% |
| Fort Bend County, TX | 35 | 6.875% | 29.6% |
| Montgomery County, TX | 4 | Under 10 loans | 20.0% |
| Greenville County, SC | 3 | Under 10 loans | 40.0% |
| Waller County, TX | 2 | Under 10 loans | 0.0% |
| Colorado County, TX | 1 | Under 10 loans | 0.0% |
| Grimes County, TX | 1 | Under 10 loans | 0.0% |
| Liberty County, TX | 1 | Under 10 loans | 0.0% |
| Madison County, TX | 1 | Under 10 loans | 0.0% |
| Travis County, TX | 1 | Under 10 loans | 66.7% |
| Angelina County, TX | 0 | Under 10 loans | Not published |
| Bexar County, TX | 0 | Under 10 loans | Not published |
| Chambers County, TX | 0 | Under 10 loans | 100.0% |
| Galveston County, TX | 0 | Under 10 loans | Not published |
| Guadalupe County, TX | 0 | Under 10 loans | Not published |
| Wilson County, TX | 0 | Under 10 loans | 100.0% |
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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.