Lender in Texas · HMDA 2025
East Texas Professional Credit Union mortgages in Texas
East Texas Professional Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
East Texas Professional Credit Union originated 229 owner-occupied single-family loans in Texas from 313 completed applications.
Its median conventional purchase loan costs were $2,740 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.875% (Texas: 6.50%).
Loans in TX
229
of 313 applications
Denial rate
22.8%
Purchase · TX 10.2%
Rate spread
+0.08 pts
Conv. · TX +0.09 pts
Loan amount
$215,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 57 | 42 | 22.8% | 6.875% | +0.08 pts | $2,740 | $215,000 |
| Refinance | 88 | 72 | 13.6% | 6.875% | +0.46 pts | $3,710 | $275,000 |
| Cash-out refinance | 168 | 115 | 30.9% | — | +0.58 pts | $0 | $65,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where East Texas Professional Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Morris County | 3 | 11 | 8.5% |
| Upshur County | 4 | 22 | 4.7% |
| Marion County | 4 | 3 | 4.9% |
| Harrison County | 5 | 40 | 6.5% |
| Panola County | 5 | 8 | 5.2% |
| Gregg County | 6 | 65 | 5.0% |
| Cass County | 7 | 9 | 3.8% |
| Rusk County | 9 | 17 | 3.5% |
| Titus County | 9 | 8 | 3.6% |
| Camp County | 13 | 4 | 3.1% |
| Nacogdoches County | 15 | 6 | 1.4% |
| Franklin County | 18 | 2 | 1.7% |
| Anderson County | 19 | 4 | 1.2% |
| Angelina County | 23 | 6 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology