TEXELL Credit Union
TEXELL Credit Union received 474 applications in 2025 and made 282 mortgages, in 32 counties across 1 state. The median rate its borrowers got was 6.740% on a median loan of $95,000. Of 417 decisions, 111 were denials — 26.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300BDFK1ZR5QSYO15 |
|---|---|
| Applications received | 474 |
| Mortgages made | 282 |
| Denied | 111 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 57 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.54 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 | 46 | 6.500% | $225,000 | 8.9% |
| Refinancing | 19 | 6.375% | $195,000 | 27.6% |
| Cash-out refinancing | 81 | 6.875% | $105,000 | 28.1% |
| Other purposes | 136 | 6.990% | $65,000 | 30.3% |
Where TEXELL Credit Union lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bell County, TX | 191 | 6.740% | 28.0% |
| McLennan County, TX | 32 | 6.490% | 13.5% |
| Williamson County, TX | 23 | 6.500% | 29.0% |
| Coryell County, TX | 7 | Under 10 loans | 12.5% |
| Milam County, TX | 6 | Under 10 loans | 12.5% |
| Falls County, TX | 4 | Under 10 loans | 0.0% |
| Travis County, TX | 4 | Under 10 loans | 33.3% |
| Cameron County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 33.3% |
| Ellis County, TX | 1 | Under 10 loans | 0.0% |
| Erath County, TX | 1 | Under 10 loans | 0.0% |
| Fayette County, TX | 1 | Under 10 loans | 0.0% |
| Freestone County, TX | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| Guadalupe County, TX | 1 | Under 10 loans | 0.0% |
| Hardin County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 50.0% |
| Hays County, TX | 1 | Under 10 loans | 50.0% |
| Lampasas County, TX | 1 | Under 10 loans | 66.7% |
| Limestone County, TX | 1 | Under 10 loans | 0.0% |
| Navarro County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 50.0% |
| Burnet County, TX | 0 | Under 10 loans | 100.0% |
| Cass County, TX | 0 | Under 10 loans | 0.0% |
| Collin County, TX | 0 | Under 10 loans | 100.0% |
| Harrison County, TX | 0 | Under 10 loans | Not published |
| Henderson County, TX | 0 | Under 10 loans | 100.0% |
| Hill County, TX | 0 | Under 10 loans | 100.0% |
| Hunt County, TX | 0 | Under 10 loans | Not published |
| Parker County, TX | 0 | Under 10 loans | Not published |
| Rusk County, TX | 0 | Under 10 loans | 0.0% |
| Upshur County, TX | 0 | Under 10 loans | 100.0% |
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When TEXELL 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.