PlainLender

TDECU

Sugar Land, TX

TDECU processed 1,606 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,067 loans with a 13.6% denial rate. Home Purchase was the primary loan purpose. Based in Sugar Land, TX. The approval rate of 66.4% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. TDECU processed 1,606 HMDA-reported mortgage applications in 2024, originating 1,067 loans and denying 218 for a denial rate of 13.6% (applicants themselves withdrew 265 files before a decision). The average loan amount was $220,125 at a 7.375% average note rate, and applicants self-reported an average income of $36,000. The lender reports under LEI 549300I7M2M0Q6LCLA63 from Sugar Land, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. TDECU's 66.4% origination rate tells you how often an application turned into funded money; the 13.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,554 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,606
Applications
1,067
Originated
13.6%
Denial Rate
$220,125
Avg Loan Amount
Avg Interest Rate: 7.375% Avg Applicant Income: $36,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,554 1,034 212 $218,784
FHA 45 28 6 $249,667
VA 7 5 0 $327,857

Top loan types — TDECU

Top loan types — TDECU Horizontal bar chart of the top 3 items by value (applications). Top loan types — TDECU Top 3 1. Conventional 1,554 2. FHA 45 3. VA 7 Top 5 loan types by application volume at TDECU (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for TDECU (LEI: 549300I7M2M0Q6LCLA63) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
82
Credit history
53
Collateral
31
Other
28
Insufficient cash
8
Credit application incomplete
7
Unverifiable information
7
Employment history
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 846 652 $292,766
Other 460 282 $97,152
Cash-out Refinancing 231 100 $200,584
Refinancing 60 28 $235,333
Home Improvement 9 5 $77,222

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 1,079 70.1% 11.9%
Black or African American 146 58.2% 24.0%
Asian 57 59.6% 21.1%
Joint 31 67.7% 6.5%
American Indian or Alaska Native 16 56.3% 25.0%
Native Hawaiian or Other Pacific Islander 4 75.0% 25.0%
2 or more minority races 2 0.0% 50.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 789 70.1% 11.9%
Hispanic or Latino 544 64.9% 16.5%
Joint 66 71.2% 13.6%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare TDECU vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

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Frequently Asked Questions

How many mortgage applications did TDECU process?
TDECU processed 1,606 mortgage applications in the 2023 HMDA reporting year. Of these, 1,067 were originated (approved and funded), 265 were withdrawn by the applicant, and 218 were denied.
What is TDECU's mortgage approval rate?
TDECU has an approval (origination) rate of 66.4%, meaning 66.4% of all applications resulted in a funded mortgage. The denial rate is 13.6%.
What is the average loan amount at TDECU?
The average mortgage loan amount at TDECU is $220,125. The average interest rate is 7.375%. The average applicant income is $36,000.
What are the most common reasons for mortgage denial at TDECU?
The most common reasons for mortgage denial at TDECU are: Debt-to-income ratio, Credit history, Collateral. In total, 218 applications were denied out of 1,606 total applications.
What types of mortgage loans does TDECU offer?
TDECU processes Conventional, FHA, VA loans. The most common type is Conventional with 1,554 applications and an average loan amount of $218,784.
What loan purposes does TDECU serve?
TDECU serves the following loan purposes: Home Purchase (846 applications), Other (460 applications), Cash-out Refinancing (231 applications), Refinancing (60 applications), Home Improvement (9 applications). Home Purchase is the most common purpose.
Where is TDECU located?
TDECU is headquartered in Sugar Land, TX. The lender is identified by LEI 549300I7M2M0Q6LCLA63 in HMDA data.
How does TDECU compare in lending across racial demographics?
TDECU reports demographic lending data under HMDA requirements. White applicants have an approval rate of 70.1% and denial rate of 11.9%; Black or African American applicants have an approval rate of 58.2% and denial rate of 24.0%; Asian applicants have an approval rate of 59.6% and denial rate of 21.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.