Lender in Texas · HMDA 2025
Neches Federal Credit Union mortgages in Texas
Neches Federal Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Neches Federal Credit Union originated 225 owner-occupied single-family loans in Texas from 269 completed applications.
Its median conventional purchase loan costs were $6,360 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.25% (Texas: 6.50%).
Loans in TX
225
of 269 applications
Denial rate
4.3%
Purchase · TX 10.2%
Rate spread
−0.33 pts
Conv. · TX +0.09 pts
Loan amount
$235,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 92 | 78 | 4.3% | 6.250% | −0.33 pts | $6,360 | $235,000 |
| Refinance | 19 | 17 | — | — | — | — | — |
| Cash-out refinance | 158 | 130 | 12.7% | 6.500% | −0.25 pts | — | $125,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Neches Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 3 | 135 | 6.4% |
| Hardin County | 4 | 32 | 5.0% |
| Orange County | 6 | 35 | 3.7% |
| Tyler County | 7 | 5 | 3.1% |
| Jasper County | 8 | 8 | 3.0% |
| San Augustine County | 18 | 1 | 2.6% |
| Newton County | 22 | 1 | 2.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology