Texoma Community 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 A 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%
97th0.0% deniedProcesswithdrawn + incomplete share, weight 15%
85th3.3%Closing coststotal loan costs ÷ loan amount, weight 10%
9th3.95% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 198 | 190 | 0.5% | 0.5% | 8.25% | $18M |
| 2024 | 179 | 162 | 1.1% | 1.2% | 8.25% | $16M |
| 2025 | 243 | 235 | 0.0% | 0.0% | 7.88% | $25M |
What Texoma Community 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: 1 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 83 investment properties.
Who gets approved at Texoma Community 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 | 34 | 33 | 0.0% |
| $50k – $100k | 70 | 65 | 0.0% |
| $100k – $150k | 60 | 58 | 0.0% |
| $150k – $250k | 40 | 40 | 0.0% |
| Over $250k | 39 | 39 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 26 | 0.0% |
| 35–44 | 67 | 66 | 0.0% |
| 45–54 | 51 | 50 | 0.0% |
| 55–64 | 53 | 50 | 0.0% |
| 65–74 | 34 | 31 | 0.0% |
Where Texoma Community Credit Union lends
2 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 240 | 232 | 0.0% | 7.89% | #382 |
Frequently asked questions
Texoma Community Credit Union denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Texoma Community Credit Union originated in 2025 was 7.88%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 81% for refinancing (including cash-out), and 2% 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.