Lender in Texas · HMDA 2025
Texas Dow Employees Credit Union mortgages in Texas
Texas Dow Employees Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Texas Dow Employees Credit Union originated 818 owner-occupied single-family loans in Texas from 914 completed applications.
Its median conventional purchase loan costs were $5,460 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.75% (Texas: 6.50%).
Loans in TX
818
of 914 applications
Denial rate
6.3%
Purchase · TX 10.2%
Rate spread
+0.41 pts
Conv. · TX +0.09 pts
Loan amount
$275,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 736 | 690 | 6.3% | 6.750% | +0.41 pts | $5,460 | $275,000 |
| Refinance | 40 | 30 | 25.0% | — | −0.01 pts | $4,790 | $215,000 |
| Cash-out refinance | 138 | 98 | 29.0% | 7.375% | +0.98 pts | $3,970 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Texas Dow Employees Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Victoria County | 1 | 92 | 12.2% |
| DeWitt County | 1 | 17 | 14.5% |
| Jackson County | 1 | 17 | 17.0% |
| Lavaca County | 2 | 19 | 13.0% |
| Goliad County | 3 | 5 | 8.5% |
| Brazoria County | 5 | 240 | 4.0% |
| Calhoun County | 5 | 11 | 6.6% |
| Matagorda County | 7 | 15 | 5.1% |
| Wharton County | 9 | 8 | 2.6% |
| San Saba County | 12 | 1 | 4.0% |
| Fayette County | 13 | 3 | 1.7% |
| Gonzales County | 14 | 2 | 1.8% |
| Colorado County | 20 | 2 | 1.5% |
| Refugio County | 22 | 1 | 1.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology