# TEXAS DOW EMPLOYEES CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/texas-dow-employees-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


TEXAS DOW EMPLOYEES CREDIT UNION is a credit union, headquartered in Lake Jackson, TX, with 761 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300I7M2M0Q6LCLA63
- **Headquarters:** Lake Jackson, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.479%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,069
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 761
- **Dollar Volume:** $214 million
- **Applications Received:** 1,058
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $281,084
- **Average Borrower Income:** $140,979
- **Average Property Value:** $334,593

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 719 | +0.490% | $1,060 | Strong 😀 |
| FHA | 54/100 | 28 | +0.315% | $946 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 605 loans, Score: 78/100 (Strong)
- Refinance: 114 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 28 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 646 | $188M | +0.445% | Strong 😀 |
| Refinance | 73/100 | 115 | $26M | +0.712% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 761 | 0.22% | 81/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 523 | 85/100 |
| Non |  | 95 | 51/100 |
| Victoria, TX | TX | 90 | 94/100 |
| Dallas | TX | 12 | 40/100 |
| San Antonio | TX | 11 | 40/100 |

## Where This Lender Ranks

TEXAS DOW EMPLOYEES CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Houston for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Victoria, TX
  - [View Full Rankings](https://saferate.com/victoria-tx/best-mortgage-lenders)
- 🥇 **#1** in Victoria, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/victoria-tx/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Houston for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Houston Credit Unions
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Houston for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Texas for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#4** in Victoria, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/victoria-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Texas for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#6** in Texas for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#7** in Texas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Texas Credit Unions
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/credit-unions)
- 🏆 **#13** in Houston for Conventional Loans
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Houston
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders)
- 🏆 **#19** in Houston for Jumbo Loans
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does TEXAS DOW EMPLOYEES CREDIT UNION offer?

TEXAS DOW EMPLOYEES CREDIT UNION offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TEXAS DOW EMPLOYEES CREDIT UNION offer mortgages?

TEXAS DOW EMPLOYEES CREDIT UNION offers mortgages in 1 states: TX.

### How competitive are TEXAS DOW EMPLOYEES CREDIT UNION's mortgage rates?

TEXAS DOW EMPLOYEES CREDIT UNION has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.479% above market average.

### What type of lender is TEXAS DOW EMPLOYEES CREDIT UNION?

TEXAS DOW EMPLOYEES CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lake Jackson, TX.

### What is TEXAS DOW EMPLOYEES CREDIT UNION's loan approval success rate?

TEXAS DOW EMPLOYEES CREDIT UNION has a pull-through score of 62/100 (Strong). 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/texas-dow-employees-credit-union

### How to Cite

> "TEXAS DOW EMPLOYEES CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/texas-dow-employees-credit-union

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