Dugood Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
20th19.5% deniedProcesswithdrawn + incomplete share, weight 15%
49th11.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 316 | 210 | 22.5% | 24.6% | — | $30M |
| 2024 | 297 | 222 | 14.1% | 15.6% | — | $32M |
| 2025 | 396 | 264 | 17.2% | 19.5% | — | $50M |
What Dugood Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 78 investment properties.
Who gets approved at Dugood Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 38 | 8 | 66.7% |
| $50k – $100k | 95 | 55 | 26.5% |
| $100k – $150k | 85 | 63 | 11.0% |
| $150k – $250k | 73 | 48 | 14.8% |
| Over $250k | 25 | 19 | 9.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 53 | 30 | 28.6% |
| 35–44 | 61 | 33 | 30.8% |
| 45–54 | 75 | 50 | 23.2% |
| 55–64 | 70 | 45 | 16.7% |
| 65–74 | 39 | 26 | 17.7% |
Where Dugood Federal Credit Union lends
1 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 396 | 264 | 17.2% | — | #297 |
Frequently asked questions
Dugood Federal Credit Union denied 19.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 20th percentile of small mortgage lenders.
In 2025, 29% of its applications were for home purchases, 43% for refinancing (including cash-out), and 28% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.