Texell Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Texell Credit Union of Temple, TX reported 474 mortgage applications totaling $60.5 million, down 27% from 2024. The average application was for $127,573, and applicants reported an average income of $111,489. 59% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Killeen-Temple, TX (330), Austin-Round Rock, TX (57) and Waco, TX (45) (applications in parentheses).
| Mortgage Company & Address | Texell Credit Union Po Box 983 Temple, TX 76503 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 474 |
| Total Mortgage Loan Application Amount | $60,470,000 |
| Average Mortgage Loan Application Amount | $127,573 |
| Highest Mortgage Loan Application Amount | $1,095,000 |
| Average Applicant Income | $111,489 |
| Highest Applicant Income | $570,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texell Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Killeen-Temple, TX | 330 | $ 36,700,000 | $ 111,212 | $ 102,000 |
| Austin-Round Rock, TX | 57 | $ 9,865,000 | $ 173,070 | $ 150,000 |
| Waco, TX | 45 | $ 6,965,000 | $ 154,777 | $ 115,000 |
| Outside any metro area | 21 | $ 2,685,000 | $ 127,857 | $ 99,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,245,000 | $ 177,857 | $ 127,000 |
| Fort Worth-Arlington, TX | 4 | $ 980,000 | $ 245,000 | $ 222,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 1,020,000 | $ 255,000 | $ 268,000 |
| Longview, TX | 3 | $ 525,000 | $ 175,000 | $ 84,000 |
| Beaumont-Port Arthur, TX | 1 | $ 105,000 | $ 105,000 | $ 30,000 |
| Brownsville-Harlingen, TX | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| San Antonio-New Braunfels, TX | 1 | $ 275,000 | $ 275,000 | $ 0 |
Mortgage Loan Application Detail Totals for Texell Credit Union in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 222 | $17,570,000 | $79,000 | $525,000 | $108,000 | $439,000 |
| Cash-out Refinancing | 141 | $20,385,000 | $144,000 | $865,000 | $114,000 | $385,000 |
| Home Purchase | 63 | $14,715,000 | $233,000 | $1,095,000 | $111,000 | $570,000 |
| Refinancing | 35 | $6,865,000 | $196,000 | $515,000 | $119,000 | $555,000 |
| Home Improvement | 13 | $935,000 | $71,000 | $205,000 | $126,000 | $386,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 261 | $34,575,000 | $132,000 | $865,000 | $121,000 | $439,000 |
| Hispanic | 117 | $13,675,000 | $116,000 | $365,000 | $101,000 | $570,000 |
| Black or African American | 43 | $5,365,000 | $124,000 | $1,095,000 | $102,000 | $405,000 |
| Not Provided | 38 | $4,360,000 | $114,000 | $375,000 | $90,000 | $191,000 |
| Asian | 9 | $1,525,000 | $169,000 | $385,000 | $130,000 | $255,000 |
| American Indian or Alaskan Native | 4 | $810,000 | $202,000 | $335,000 | $86,000 | $107,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $160,000 | $80,000 | $95,000 | $51,000 | $75,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 473 | $60,065,000 | $126,000 | $1,095,000 | $112,000 | $570,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $405,000 | $405,000 | $405,000 | $112,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 282 | $37,300,000 | $132,000 | $1,095,000 | $116,000 | $570,000 |
| Application Denied By Financial Institution | 111 | $12,005,000 | $108,000 | $525,000 | $97,000 | $439,000 |
| Application Withdrawn By Applicant | 57 | $7,905,000 | $138,000 | $575,000 | $123,000 | $386,000 |
| Application Approved But Not Accepted | 24 | $3,260,000 | $135,000 | $375,000 | $99,000 | $349,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 363 | $48,465,000 | $133,000 | $1,095,000 | $116,000 | $570,000 |
| Debt-To-Income Ratio | 51 | $7,485,000 | $146,000 | $525,000 | $90,000 | $335,000 |
| Credit History | 32 | $1,690,000 | $52,000 | $125,000 | $86,000 | $260,000 |
| Other | 21 | $1,735,000 | $82,000 | $225,000 | $134,000 | $439,000 |
| Collateral | 4 | $670,000 | $167,000 | $255,000 | $87,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $195,000 | $91,000 | $120,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $84,000 | $84,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Texell Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Texell Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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