# TEXELL Credit Union

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


TEXELL Credit Union is a credit union, headquartered in Temple, TX, with 113 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 59% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BDFK1ZR5QSYO15
- **Headquarters:** Temple, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 3
- **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: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.255%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,156
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 113
- **Dollar Volume:** $20 million
- **Applications Received:** 208
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $174,823
- **Average Borrower Income:** $104,381
- **Average Property Value:** $303,319

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 113 | +0.255% | $1,156 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 43 loans, Score: 38/100 (Acceptable)
- Refinance: 70 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 43 | $9M | +0.123% | Acceptable 🙂 |
| Refinance | 65/100 | 70 | $10M | +0.345% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 113 | 0.03% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Killeen | TX | 79 | 79/100 |
| Austin | TX | 12 | 47/100 |
| Waco, TX | TX | 12 | 50/100 |

## Where This Lender Ranks

TEXELL Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Killeen Credit Unions
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Waco, TX for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Killeen for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Killeen
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders)
- 🏆 **#7** in Killeen for Conventional Loans
  - [View Full Rankings](https://saferate.com/killeen/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Waco, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does TEXELL Credit Union offer?

TEXELL 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 TEXELL Credit Union offer mortgages?

TEXELL Credit Union offers mortgages in 1 states: TX.

### How competitive are TEXELL Credit Union's mortgage rates?

TEXELL 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 0.255% above market average.

### What type of lender is TEXELL Credit Union?

TEXELL Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Temple, TX.

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

TEXELL Credit Union has a pull-through score of 41/100 (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/texell-credit-union

### How to Cite

> "TEXELL Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/texell-credit-union

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