Lenders › Shell Federal Credit Union › Texas
Shell 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.
Shell Federal Credit Union's 2024 HMDA record for Texas covers 2,248 applications, 829 of them originated, worth $99m.
Its denial rate in the state was 47.8%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 47.7%.
The median rate spread on its Texas originations was 0.8 percentage points (state median 0.2).
Applications in the state were up 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Shell Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 47.8% | 26.0% | 47.7% | 24.3% |
| Median rate spread, pp | 0.8 | 0.2 | 0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 22.5% | 11.8% | 22.5% | 15.6% |
| Average originated loan | $119k | $350k | $119k | $329k |
| Home purchase share | 11.1% | 72.8% | 11.1% | 57.0% |
| FHA-insured share | 0.0% | 19.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 11% (92)Home improvement 23% (192)Refinancing 1% (12)Cash-out refinancing 25% (206)Other purpose 39% (327)
By type
Conventional 100% (829)
Denial reasons as coded
Share of 1,067 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 | 1,726 | 631 | $70m | 48.4% |
| Brazoria County | 113 | 50 | $6.9m | 39.3% |
| Montgomery County | 98 | 37 | $7.1m | 47.4% |
| Galveston County | 94 | 32 | $3.0m | 45.2% |
| Fort Bend County | 63 | 23 | $2.6m | 49.2% |
| Chambers County | 36 | 19 | $2.7m | 36.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Shell Federal Credit Union originate in Texas in 2024?
829 loans totalling $99m, from 2,248 applications reported for properties in Texas.
What is Shell Federal Credit Union's denial rate in Texas?
47.8% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 47.7% 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 Shell Federal Credit Union lend in most?
By originations: Harris County (631), Brazoria County (50), Montgomery County (37), Galveston County (32), Fort Bend County (23).
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.