Lenders › Navy Federal Credit Union › Texas
Navy Federal Credit Union in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Texas, Navy Federal Credit Union reported 12,187 applications and 4,355 originations for 2024, $1.1bn in all.
Its denial rate in the state was 43.3%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 34.3%.
The median rate spread on its Texas originations was 0.1 percentage points (state median 0.2).
Applications in the state were down 14% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Navy Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 43.3% | 26.0% | 34.3% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 32.3% | 11.8% | 39.5% | 15.6% |
| Average originated loan | $245k | $350k | $216k | $329k |
| Home purchase share | 55.3% | 72.8% | 37.2% | 57.0% |
| FHA-insured share | 0.0% | 19.8% | 0.0% | 13.4% |
| VA-guaranteed share | 34.0% | 10.4% | 20.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 55% (2,410)Home improvement 15% (637)Refinancing 3% (146)Cash-out refinancing 4% (162)Other purpose 23% (1,000)
By type
Conventional 66% (2,876)VA 34% (1,479)
Denial reasons as coded
Share of 3,408 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 1,459 | 460 | $112m | 47.9% |
| Tarrant County | 1,109 | 405 | $93m | 45.5% |
| Bexar County | 1,201 | 404 | $92m | 43.2% |
| El Paso County | 665 | 240 | $45m | 44.2% |
| Bell County | 602 | 236 | $41m | 42.4% |
| Dallas County | 742 | 219 | $53m | 50.7% |
| Collin County | 516 | 197 | $61m | 42.2% |
| Denton County | 484 | 188 | $60m | 40.2% |
| Montgomery County | 398 | 141 | $34m | 42.2% |
| Fort Bend County | 431 | 125 | $27m | 53.2% |
| Nueces County | 253 | 117 | $31m | 30.4% |
| Williamson County | 243 | 98 | $26m | 35.3% |
| Travis County | 257 | 87 | $31m | 38.4% |
| Brazoria County | 237 | 82 | $17m | 46.8% |
| Galveston County | 183 | 77 | $19m | 35.3% |
| Parker County | 168 | 68 | $17m | 36.6% |
| Guadalupe County | 158 | 63 | $13m | 38.5% |
| Johnson County | 145 | 59 | $15m | 34.4% |
| Ellis County | 181 | 57 | $19m | 50.4% |
| Comal County | 121 | 52 | $21m | 30.8% |
| Hidalgo County | 110 | 41 | $9.8m | 37.9% |
| Hays County | 107 | 39 | $12m | 41.1% |
| Rockwall County | 114 | 36 | $8.0m | 47.9% |
| Coryell County | 105 | 35 | $6.1m | 50.0% |
| Kaufman County | 127 | 34 | $8.6m | 52.1% |
| Grayson County | 76 | 32 | $7.0m | 33.3% |
| Brazos County | 66 | 32 | $8.9m | 26.7% |
| Smith County | 64 | 31 | $9.3m | 36.7% |
| Lubbock County | 74 | 30 | $7.1m | 38.8% |
| Cameron County | 63 | 27 | $6.3m | 28.6% |
| Wichita County | 44 | 23 | $4.7m | 17.9% |
| McLennan County | 94 | 22 | $5.0m | 57.4% |
| San Patricio County | 50 | 21 | $4.9m | 46.2% |
| Tom Green County | 47 | 20 | $4.5m | 37.5% |
| Taylor County | 37 | 19 | $5.0m | — |
| Medina County | 47 | 18 | $6.2m | 37.9% |
| Hunt County | 62 | 17 | $4.8m | 48.6% |
| Hood County | 47 | 17 | $3.3m | 45.2% |
| Henderson County | 32 | 17 | $3.6m | — |
| Wilson County | 37 | 16 | $4.3m | 42.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Navy Federal Credit Union originate in Texas in 2024?
4,355 loans totalling $1.1bn, from 12,187 applications reported for properties in Texas.
What is Navy Federal Credit Union's denial rate in Texas?
43.3% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 34.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does Navy Federal Credit Union lend in most?
By originations: Harris County (460), Tarrant County (405), Bexar County (404), El Paso County (240), Bell County (236).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.