Sabine 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%
12th25.0% deniedProcesswithdrawn + incomplete share, weight 15%
29th16.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 136 | 98 | 16.9% | 19.0% | — | $11M |
| 2024 | 128 | 85 | 17.2% | 20.4% | — | $13M |
| 2025 | 120 | 70 | 20.8% | 25.0% | — | $10M |
What Sabine 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, 2 manufactured homes, 2 investment properties.
Who gets approved at Sabine Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 19 | 34.5% |
| $100k – $150k | 34 | 17 | 29.6% |
| $150k – $250k | 34 | 25 | 3.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 27 | 16 | 27.3% |
| 55–64 | 25 | 14 | 19.1% |
| 65–74 | 22 | 15 | 21.1% |
Where Sabine Federal Credit Union lends
1 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 120 | 70 | 20.8% | — | #516 |
Frequently asked questions
Sabine Federal Credit Union denied 25.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 12th percentile of small mortgage lenders.
In 2025, 33% of its applications were for home purchases, 33% for refinancing (including cash-out), and 34% 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.