SHELL FEDERAL CREDIT UNION
SHELL FEDERAL CREDIT UNION received 1,702 applications in 2025 and made 755 mortgages, in 35 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $95,000. Of 1,453 decisions, 687 were denials — 47.3%, most often for other. 3 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300CYYO0YQ3EVCV77 |
|---|---|
| Applications received | 1,702 |
| Mortgages made | 755 |
| Denied | 687 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 249 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.671 points |
| 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 | 95 | 6.500% | $225,000 | 4.8% |
| Refinancing | 28 | 6.313% | $145,000 | 76.0% |
| Cash-out refinancing | 242 | 6.875% | $135,000 | 26.0% |
| Other purposes | 390 | 6.938% | $75,000 | 56.2% |
Where SHELL FEDERAL CREDIT UNION lends most
The 35 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harris County, TX | 590 | 6.750% | 47.3% |
| Brazoria County, TX | 48 | 6.625% | 40.7% |
| Galveston County, TX | 30 | 7.000% | 50.0% |
| Montgomery County, TX | 27 | 7.156% | 50.9% |
| Fort Bend County, TX | 21 | 6.750% | 44.7% |
| Chambers County, TX | 13 | 7.125% | 31.6% |
| Liberty County, TX | 5 | Under 10 loans | 58.3% |
| Waller County, TX | 3 | Under 10 loans | 50.0% |
| San Jacinto County, TX | 2 | Under 10 loans | 50.0% |
| Anderson County, TX | 1 | Under 10 loans | 0.0% |
| Austin County, TX | 1 | Under 10 loans | 0.0% |
| Bastrop County, TX | 1 | Under 10 loans | 0.0% |
| Cameron County, TX | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 1 | Under 10 loans | 75.0% |
| Houston County, TX | 1 | Under 10 loans | 0.0% |
| Jefferson County, TX | 1 | Under 10 loans | 75.0% |
| Lavaca County, TX | 1 | Under 10 loans | 0.0% |
| McLennan County, TX | 1 | Under 10 loans | 0.0% |
| Marion County, TX | 1 | Under 10 loans | 0.0% |
| Newton County, TX | 1 | Under 10 loans | 0.0% |
| Orange County, TX | 1 | Under 10 loans | 0.0% |
| San Augustine County, TX | 1 | Under 10 loans | 0.0% |
| Walker County, TX | 1 | Under 10 loans | 0.0% |
| Bell County, TX | 0 | Under 10 loans | 100.0% |
| Comanche County, TX | 0 | Under 10 loans | 100.0% |
| Dallas County, TX | 0 | Under 10 loans | 100.0% |
| Gaines County, TX | 0 | Under 10 loans | 100.0% |
| Hardin County, TX | 0 | Under 10 loans | 100.0% |
| Harrison County, TX | 0 | Under 10 loans | 100.0% |
| Madison County, TX | 0 | Under 10 loans | 100.0% |
| Matagorda County, TX | 0 | Under 10 loans | 100.0% |
| Polk County, TX | 0 | Under 10 loans | 100.0% |
| Starr County, TX | 0 | Under 10 loans | 100.0% |
| Williamson County, TX | 0 | Under 10 loans | 100.0% |
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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.