KELLY COMMUNITY FEDERAL CREDIT UNION
KELLY COMMUNITY FEDERAL CREDIT UNION received 119 applications in 2025 and made 62 mortgages, in 16 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $180,000. Of 94 decisions, 32 were denials — 34.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300HQ25HXXXOWJ140 |
|---|---|
| Applications received | 119 |
| Mortgages made | 62 |
| Denied | 32 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2925 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 | 10 | 5.990% | $260,000 | 33.3% |
| Refinancing | 22 | 6.808% | $245,000 | 33.3% |
| Cash-out refinancing | 30 | 6.990% | $140,000 | 34.8% |
Where KELLY COMMUNITY 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 |
|---|---|---|---|
| Smith County, TX | 49 | 6.900% | 31.9% |
| Cherokee County, TX | 4 | Under 10 loans | 33.3% |
| Van Zandt County, TX | 2 | Under 10 loans | 0.0% |
| Anderson County, TX | 1 | Under 10 loans | 50.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Gregg County, TX | 1 | Under 10 loans | 0.0% |
| Hays County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 50.0% |
| Panola County, TX | 1 | Under 10 loans | 0.0% |
| Wood County, TX | 1 | Under 10 loans | 0.0% |
| Rusk County, TX | 0 | Under 10 loans | 100.0% |
| San Jacinto County, TX | 0 | Under 10 loans | 100.0% |
| Tarrant County, TX | 0 | Under 10 loans | Not published |
| Titus County, TX | 0 | Under 10 loans | 100.0% |
| Upshur County, TX | 0 | Under 10 loans | 100.0% |
| Williamson 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.