# Houston Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/houston-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Houston Federal Credit Union is a credit union, headquartered in Sugar Land, TX, serving borrowers across 2 states, with 49 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300V422J2GUSZPZ35
- **Headquarters:** Sugar Land, TX
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** SC, TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.354%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,129
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 49
- **Dollar Volume:** $14 million
- **Applications Received:** 95
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $284,184
- **Average Borrower Income:** $4,718,959
- **Average Property Value:** $441,667

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 22/100 | 48 | +0.347% | $1,131 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 26 loans, Score: 19/100 (Mediocre)
- Refinance: 22 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 20/100 | 27 | $10M | +0.209% | Mediocre 😐 |
| Refinance | 33/100 | 22 | $4M | +0.534% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 47 | 0.01% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 43 | 63/100 |

## Frequently Asked Questions

### What loan types does Houston Federal Credit Union offer?

Houston Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Houston Federal Credit Union offer mortgages?

Houston Federal Credit Union offers mortgages in 2 states: SC, TX.

### How competitive are Houston Federal Credit Union's mortgage rates?

Houston Federal Credit Union has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.354% above market average.

### What type of lender is Houston Federal Credit Union?

Houston Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Sugar Land, TX.

### What is Houston Federal Credit Union's loan approval success rate?

Houston Federal Credit Union has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/houston-federal-credit-union

### How to Cite

> "Houston Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/houston-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/houston-federal-credit-union)**