CHOCOLATE BAYOU COMMUNITY FEDERAL CREDIT UNION
CHOCOLATE BAYOU COMMUNITY FEDERAL CREDIT UNION received 62 applications in 2025 and made 24 mortgages, in 4 counties across 1 state. The median rate its borrowers got was 7.750% on a median loan of $80,000. Of 50 decisions, 24 were denials — 48.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300VEIFZEX6HJVA94 |
|---|---|
| Applications received | 62 |
| Mortgages made | 24 |
| Denied | 24 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 14 | 7.750% | $70,000 | 38.5% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 69.2% |
Where CHOCOLATE BAYOU COMMUNITY FEDERAL CREDIT UNION lends most
The 4 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Brazoria County, TX | 21 | 7.750% | 45.2% |
| Galveston County, TX | 2 | Under 10 loans | 60.0% |
| Harris County, TX | 1 | Under 10 loans | 66.7% |
| Fort Bend County, TX | 0 | Under 10 loans | Not published |
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When CHOCOLATE BAYOU COMMUNITY FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.