Lender profile · HMDA 2023–2025
Shell Federal Credit Union mortgage approval rates & lending data
Shell Federal Credit Union decided 3,200 mortgage applications and funded 1,438 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 306 / 322 | 73% | $225K | 223 |
| Home improvement loans | 45% | 673 / 1,506 | 76% | $65K | 509 |
| Cash-out refinance | 71% | 721 / 1,014 | 87% | $125K | 625 |
| Refinance | 29% | 80 / 273 | 54% | $115K | 43 |
| Investment property purchase | 86% | 30 / 35 | 80% | $145K | 24 |
| Investment refinance | 45% | 19 / 42 | 63% | $155K | 12 |
Shell Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 57% | $125K | 3,200 | 1,438 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.