Shell Federal Credit Union in Texas vs the state
40.4%Denial rate+20.93 pts vs state
47.3%Decision denial rate+22.38 pts vs state
44.4%Origination rate-10.52 pts vs state
6.75%Median rate+0.25 pts vs state
0.67Rate spread (pts)+0.48 pts vs state
$106kMedian applicant income
755Loans originated
687Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,028 | 824 | 42.7% | 7.38% | #89 |
| 2024 | 2,248 | 829 | 47.5% | 7.13% | #83 |
| 2025 | 1,702 | 755 | 40.4% | 6.75% | #118 |
What Shell Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Shell Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,335 | 590 | 539 | 40.4% |
| Brazoria County | 90 | 48 | 33 | 36.7% |
| Galveston County | 72 | 30 | 30 | 41.7% |
| Montgomery County | 63 | 27 | 29 | 46.0% |
| Fort Bend County | 46 | 21 | 17 | 37.0% |
| Chambers County | 27 | 13 | 6 | 22.2% |
| Liberty County | 14 | 5 | 7 | 50.0% |
| San Jacinto County | 6 | 2 | 2 | 33.3% |
| Jefferson County | 6 | 1 | 3 | 50.0% |
| Waller County | 6 | 3 | 3 | 50.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,702 applications in 2025, of which 755 were originated and 687 denied.
40.4% of all applications, or 47.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Shell Federal Credit Union originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Shell Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology