Lender in Texas · HMDA 2025
Shell Federal Credit Union mortgages in Texas
Shell Federal Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Shell Federal Credit Union originated 292 owner-occupied single-family loans in Texas from 429 completed applications.
Its median conventional purchase loan costs were $5,910 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.50% (Texas: 6.50%).
Loans in TX
292
of 429 applications
Denial rate
4.6%
Purchase · TX 10.2%
Rate spread
+0.06 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 | 87 | 80 | 4.6% | 6.500% | +0.06 pts | $5,910 | $235,000 |
| Refinance | 89 | 20 | 76.4% | — | −0.02 pts | $2,800 | $145,000 |
| Cash-out refinance | 253 | 192 | 23.7% | 7.125% | +0.28 pts | $1,860 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Shell Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Augustine County | 14 | 1 | 2.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology