TEXAS DOW EMPLOYEES CREDIT UNION
TEXAS DOW EMPLOYEES CREDIT UNION received 1,617 applications in 2025 and made 1,116 mortgages, in 84 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $215,000. Of 1,317 decisions, 200 were denials — 15.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300I7M2M0Q6LCLA63 |
|---|---|
| Applications received | 1,617 |
| Mortgages made | 1,116 |
| Denied | 200 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 300 |
| Loans bought from other lenders | 38 |
| Median rate spread over the prime offer rate | 0.5775 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 | 711 | 6.750% | $265,000 | 6.3% |
| Refinancing | 32 | 6.000% | $215,000 | 30.4% |
| Cash-out refinancing | 127 | 7.625% | $165,000 | 35.5% |
| Other purposes | 246 | 8.000% | $85,000 | 21.6% |
Where TEXAS DOW EMPLOYEES CREDIT UNION lends most
The 50 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 | 301 | 6.875% | 11.7% |
| Harris County, TX | 254 | 7.125% | 18.0% |
| Victoria County, TX | 126 | 7.188% | 9.4% |
| Fort Bend County, TX | 110 | 7.188% | 19.7% |
| Galveston County, TX | 50 | 7.125% | 12.3% |
| Montgomery County, TX | 43 | 7.625% | 12.2% |
| Lavaca County, TX | 25 | 6.875% | 10.7% |
| DeWitt County, TX | 22 | 7.250% | 8.3% |
| Jackson County, TX | 21 | 7.125% | 19.2% |
| Matagorda County, TX | 20 | 7.063% | 13.0% |
| Calhoun County, TX | 16 | 7.250% | 5.9% |
| Wharton County, TX | 12 | 7.313% | 14.3% |
| Chambers County, TX | 9 | Under 10 loans | 30.8% |
| Liberty County, TX | 7 | Under 10 loans | 12.5% |
| Tarrant County, TX | 7 | Under 10 loans | 36.4% |
| Dallas County, TX | 6 | Under 10 loans | 53.8% |
| Goliad County, TX | 6 | Under 10 loans | 0.0% |
| Bexar County, TX | 4 | Under 10 loans | 20.0% |
| Orange County, TX | 4 | Under 10 loans | 0.0% |
| Angelina County, TX | 3 | Under 10 loans | 0.0% |
| Colorado County, TX | 3 | Under 10 loans | 25.0% |
| Fayette County, TX | 3 | Under 10 loans | 40.0% |
| Jefferson County, TX | 3 | Under 10 loans | 0.0% |
| Nueces County, TX | 3 | Under 10 loans | 25.0% |
| Travis County, TX | 3 | Under 10 loans | 0.0% |
| Brazos County, TX | 2 | Under 10 loans | 33.3% |
| Collin County, TX | 2 | Under 10 loans | 0.0% |
| Gonzales County, TX | 2 | Under 10 loans | 0.0% |
| Hardin County, TX | 2 | Under 10 loans | 0.0% |
| Jasper County, TX | 2 | Under 10 loans | 0.0% |
| Kaufman County, TX | 2 | Under 10 loans | 0.0% |
| Kendall County, TX | 2 | Under 10 loans | 0.0% |
| Leon County, TX | 2 | Under 10 loans | 0.0% |
| Refugio County, TX | 2 | Under 10 loans | 33.3% |
| Rusk County, TX | 2 | Under 10 loans | 0.0% |
| San Jacinto County, TX | 2 | Under 10 loans | 33.3% |
| Waller County, TX | 2 | Under 10 loans | 0.0% |
| Washington County, TX | 2 | Under 10 loans | 0.0% |
| Williamson County, TX | 2 | Under 10 loans | 0.0% |
| Bell County, TX | 1 | Under 10 loans | 0.0% |
| Blanco County, TX | 1 | Under 10 loans | 0.0% |
| Bowie County, TX | 1 | Under 10 loans | 0.0% |
| Cameron County, TX | 1 | Under 10 loans | 0.0% |
| Comal County, TX | 1 | Under 10 loans | 0.0% |
| Coryell County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 50.0% |
| El Paso County, TX | 1 | Under 10 loans | 0.0% |
| Guadalupe County, TX | 1 | Under 10 loans | 0.0% |
| Harrison County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
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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.