# SHELL FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/shell-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


SHELL FEDERAL CREDIT UNION is a credit union, headquartered in Deer Park, TX, with 252 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 20% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300CYYO0YQ3EVCV77
- **Headquarters:** Deer Park, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.294%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $959
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 252
- **Dollar Volume:** $49 million
- **Applications Received:** 486
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $196,032
- **Average Borrower Income:** $123,623
- **Average Property Value:** $305,992

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 251 | +0.294% | $959 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 91 loans, Score: 33/100 (Acceptable)
- Refinance: 160 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 92 | $24M | +0.135% | Acceptable 🙂 |
| Refinance | 65/100 | 160 | $25M | +0.379% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 252 | 0.07% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 241 | 79/100 |

## Where This Lender Ranks

SHELL FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Houston Credit Unions
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Houston for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#18** in Houston
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does SHELL FEDERAL CREDIT UNION offer?

SHELL 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 SHELL FEDERAL CREDIT UNION offer mortgages?

SHELL FEDERAL CREDIT UNION offers mortgages in 1 states: TX.

### How competitive are SHELL FEDERAL CREDIT UNION's mortgage rates?

SHELL FEDERAL CREDIT UNION has a pricing score of 80/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.294% above market average.

### What type of lender is SHELL FEDERAL CREDIT UNION?

SHELL FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Deer Park, TX.

### What is SHELL FEDERAL CREDIT UNION's loan approval success rate?

SHELL FEDERAL CREDIT UNION has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/shell-federal-credit-union

### How to Cite

> "SHELL FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/shell-federal-credit-union

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