Lender in Texas · HMDA 2025
Navy Federal Credit Union mortgages in Texas
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Navy Federal Credit Union originated 2,689 owner-occupied single-family loans in Texas from 3,555 completed applications.
Its median conventional purchase loan costs were $4,870 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
2,689
of 3,555 applications
Denial rate
12.7%
Purchase · TX 10.2%
Rate spread
−0.06 pts
Conv. · TX +0.09 pts
Loan amount
$325,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,794 | 2,414 | 12.7% | 6.625% | −0.06 pts | $4,870 | $325,000 |
| Refinance | 471 | 198 | 56.3% | 6.125% | −0.31 pts | $2,180 | $315,000 |
| Cash-out refinance | 290 | 77 | 72.8% | — | +2.29 pts | $0 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Navy Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 67.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Stonewall County | 1 | 1 | 33.3% |
| Real County | 4 | 1 | 6.3% |
| Kinney County | 5 | 1 | 4.3% |
| Bandera County | 6 | 7 | 2.9% |
| Dimmit County | 6 | 1 | 4.0% |
| Jim Hogg County | 6 | 1 | 7.1% |
| Kleberg County | 7 | 7 | 3.7% |
| Runnels County | 7 | 3 | 4.5% |
| Clay County | 8 | 4 | 2.6% |
| Kimble County | 8 | 1 | 4.2% |
| Wichita County | 9 | 30 | 2.1% |
| Llano County | 9 | 6 | 2.5% |
| Val Verde County | 10 | 9 | 2.3% |
| Red River County | 10 | 2 | 2.3% |
| San Augustine County | 10 | 1 | 2.6% |
| Yoakum County | 10 | 1 | 2.0% |
| Milam County | 11 | 4 | 1.7% |
| Eastland County | 11 | 2 | 1.6% |
| Brewster County | 11 | 1 | 1.7% |
| Nueces County | 12 | 79 | 2.0% |
| Tom Green County | 12 | 25 | 1.6% |
| Polk County | 12 | 5 | 1.5% |
| Bell County | 13 | 120 | 1.6% |
| Matagorda County | 13 | 6 | 2.1% |
| Nacogdoches County | 13 | 6 | 1.4% |
| Tyler County | 13 | 3 | 1.9% |
| Young County | 13 | 3 | 2.0% |
| Falls County | 13 | 2 | 1.7% |
| Houston County | 13 | 2 | 1.7% |
| Parmer County | 13 | 1 | 2.4% |
- Navy Federal Credit Union nationwide
- Texas mortgage market
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- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
- Navy Federal Credit Union in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology