Neches Federal Credit Union
Neches Federal Credit Union received 588 applications in 2025 and made 501 mortgages, in 16 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $125,000. Of 588 decisions, 54 were denials — 9.2%, most often for other.
| Legal Entity Identifier | 549300J6A8R0TUC01239 |
|---|---|
| Applications received | 588 |
| Mortgages made | 501 |
| Denied | 54 |
| Approved, not taken up | 33 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.072 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 | 109 | 6.250% | $205,000 | 3.2% |
| Refinancing | 21 | 6.250% | $335,000 | 4.2% |
| Cash-out refinancing | 239 | 6.500% | $105,000 | 10.8% |
| Other purposes | 132 | 6.250% | $95,000 | 11.7% |
Where Neches 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 |
|---|---|---|---|
| Jefferson County, TX | 299 | 6.250% | 10.6% |
| Hardin County, TX | 75 | 6.250% | 7.1% |
| Orange County, TX | 74 | 6.250% | 6.9% |
| Jasper County, TX | 16 | 6.250% | 0.0% |
| Galveston County, TX | 7 | Under 10 loans | 0.0% |
| Harris County, TX | 7 | Under 10 loans | 12.5% |
| Tyler County, TX | 5 | Under 10 loans | 16.7% |
| Chambers County, TX | 4 | Under 10 loans | 16.7% |
| Newton County, TX | 3 | Under 10 loans | 0.0% |
| Sabine County, TX | 3 | Under 10 loans | 0.0% |
| Montgomery County, TX | 2 | Under 10 loans | 33.3% |
| Polk County, TX | 2 | Under 10 loans | 0.0% |
| Brazoria County, TX | 1 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 1 | Under 10 loans | 0.0% |
| Nacogdoches County, TX | 1 | Under 10 loans | 0.0% |
| San Augustine County, TX | 1 | Under 10 loans | 0.0% |
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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.