Lender in Texas · HMDA 2025
Eecu mortgages in Texas
Eecu's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Eecu originated 246 owner-occupied single-family loans in Texas from 373 completed applications.
Its median conventional purchase loan costs were $6,660 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.50% (Texas: 6.50%).
Loans in TX
246
of 373 applications
Denial rate
11.4%
Purchase · TX 10.2%
Rate spread
+0.12 pts
Conv. · TX +0.09 pts
Loan amount
$335,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 105 | 91 | 11.4% | 6.500% | +0.12 pts | $6,660 | $335,000 |
| Refinance | 58 | 30 | 44.8% | — | +0.04 pts | $4,150 | $295,000 |
| Cash-out refinance | 210 | 125 | 39.5% | 7.125% | +0.61 pts | $700 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Eecu ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Palo Pinto County | 25 | 3 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology