CREDIT UNION OF TEXAS: what its borrowers actually paid (2025)
CREDIT UNION OF TEXAS reported 601 closed first-lien, owner-occupied home loans in 2025 under HMDA, across 16 counties in 1 state, and 478 in 2024. The table below shows its median rates and costs in the counties where it lent most, next to each county's all-lender median, so you can see at a glance where this lender's closed loans landed relative to the local market.
Refinance
601 loans
across 16 counties with at least 5 such loans, 2025.
Where CREDIT UNION OF TEXAS stands
Statewide, CREDIT UNION OF TEXAS ranks #114 of 642 lenders in Texas by 2025 closed loans in this dataset, purchase and refinance combined. Below, its standing in the counties where it closed the most refinance loans in 2025. Loan-count ranks include every lender that reported at least 5 loans in the county; rate and cost ranks compare only lenders with at least 30 closed refinance loans there, so a one-off low median never outranks a lender with real volume.
| County | Loans | By closed loans | By lowest median rate | By lowest median costs |
|---|---|---|---|---|
| Dallas County, TX | 352 | #3 of 141 | #32 of 33 | under 30-loan floor |
| Collin County, TX | 71 | #10 of 114 | #27 of 27 | under 30-loan floor |
| Denton County, TX | 30 | #24 of 111 | #24 of 24 | under 30-loan floor |
| Tarrant County, TX | 27 | #41 of 128 | under 30-loan floor | under 30-loan floor |
| Upshur County, TX | 21 | #1 of 8 | under 30-loan floor | under 30-loan floor |
| Rockwall County, TX | 19 | #5 of 22 | under 30-loan floor | under 30-loan floor |
| Hunt County, TX | 11 | #8 of 22 | under 30-loan floor | under 30-loan floor |
| Kaufman County, TX | 11 | #12 of 28 | under 30-loan floor | under 30-loan floor |
| Harris County, TX | 10 | #103 of 170 | under 30-loan floor | under 30-loan floor |
| Ellis County, TX | 8 | #25 of 41 | under 30-loan floor | under 30-loan floor |
Ranks describe 2025 closed refinance loans reported under HMDA, not current pricing. "Of N" counts the lenders eligible for that ranking: every reporting lender for loan counts, lenders with 30 or more such loans for rate and cost ranks.
County by county
Each row is this lender's median among its own closed loans in that county, with the county's all-lender median beneath it for comparison. Origination is the lender's own charges (Loan Estimate section A); points is the discount-points portion. County pages link to the full local picture.
| County | Loans | Median rate | Total costs | Origination | Points | Loan amount |
|---|---|---|---|---|---|---|
| Dallas County, TX | 352 | 7.6%county 6.5% | n/acounty $6,879 | $0 | n/a | $115,000county $275,000 |
| Collin County, TX | 71 | 7.5%county 6.125% | n/acounty $7,966 | n/a | n/a | $155,000county $475,000 |
| Denton County, TX | 30 | 7.4%county 6.125% | n/acounty $7,675 | n/a | n/a | $155,000county $445,000 |
| Tarrant County, TX | 27 | 7.5%county 6.375% | n/acounty $6,836 | n/a | n/a | $205,000county $285,000 |
| Upshur County, TX | 21 | 7.6%county 6.625% | n/acounty $5,985 | n/a | n/a | $95,000county $215,000 |
| Rockwall County, TX | 19 | 7.3%county 6.375% | n/acounty $7,441 | n/a | n/a | $205,000county $360,000 |
| Hunt County, TX | 11 | 7.6%county 6.375% | n/acounty $7,002 | n/a | n/a | $105,000county $285,000 |
| Kaufman County, TX | 11 | 7.55%county 6.25% | n/acounty $7,058 | n/a | n/a | $95,000county $305,000 |
| Harris County, TX | 10 | 7.9%county 6.49% | n/acounty $6,464 | n/a | n/a | $125,000county $255,000 |
| Ellis County, TX | 8 | 7.25%county 6.25% | n/acounty $7,547 | n/a | n/a | $180,000county $355,000 |
| Grayson County, TX | 8 | 7.825%county 6.5% | n/acounty $6,573 | n/a | n/a | $135,000county $285,000 |
| Lamar County, TX | 8 | 7.375%county 6.99% | n/acounty $5,951 | n/a | n/a | $95,000county $175,000 |
| Fannin County, TX | 7 | 7.75%county 6.625% | n/acounty $6,397 | n/a | n/a | $95,000county $265,000 |
| Wood County, TX | 7 | 7.85%county 6.625% | n/acounty $5,769 | n/a | n/a | $125,000county $215,000 |
| Smith County, TX | 6 | 7.35%county 6.5% | n/acounty $5,945 | n/a | n/a | $180,000county $245,000 |
| Fort Bend County, TX | 5 | 8%county 6.375% | n/acounty $7,002 | n/a | n/a | $135,000county $335,000 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages, in county groups of at least 5 loans. These are medians of loans that already closed, not advertised offers, and the public file contains no credit scores. A lender whose customers skew toward larger loans, stronger credit, or paying discount points will show different medians than its neighbors at identical pricing. The methodology page documents every step.
The way to compare actual offers is the Loan Estimate: every lender must give you one within 3 business days of application, on the same standardized form, and its origination charges are binding. If you have one in hand, the checker compares it against your county's figures in your browser.
Common questions
What mortgage rates did CREDIT UNION OF TEXAS borrowers get in 2025?
CREDIT UNION OF TEXAS reported 601 qualifying loans in 2025. The table on this page shows its median rates and costs county by county, next to each county's benchmark.
Can I get these rates from CREDIT UNION OF TEXAS today?
Not from this page. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. To learn your own number, apply and get a Loan Estimate, which federal rules require within 3 business days and make close to free.
Why might CREDIT UNION OF TEXAS's medians differ from the county median?
Partly pricing, partly customer mix. The public HMDA file contains no credit scores, so a lender serving stronger-credit borrowers, larger loans, or borrowers who paid points will show different medians than its neighbors at identical pricing.
Where does this data come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in county groups of at least 5.