ABILENE TEACHERS Federal Credit Union in Texas vs the state
26.7%Denial rate+7.30 pts vs state
28.4%Decision denial rate+3.53 pts vs state
62.2%Origination rate+7.33 pts vs state
7.10%Median rate+0.60 pts vs state
1.28Rate spread (pts)+1.09 pts vs state
$88kMedian applicant income
135Loans originated
58Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 305 | 139 | 18.7% | 8.00% | #323 |
| 2024 | 262 | 168 | 23.7% | 7.35% | #342 |
| 2025 | 217 | 135 | 26.7% | 7.10% | #403 |
What ABILENE TEACHERS Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most ABILENE TEACHERS Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Taylor County | 150 | 93 | 39 | 26.0% |
| Jones County | 16 | 8 | 6 | 37.5% |
| Callahan County | 14 | 10 | 2 | 14.3% |
| Brown County | 4 | 3 | 1 | 25.0% |
| Nolan County | 4 | 3 | 1 | 25.0% |
| Knox County | 3 | 2 | 0 | 0.0% |
| Coleman County | 2 | 1 | 1 | 50.0% |
| Fisher County | 2 | 1 | 1 | 50.0% |
| Coryell County | 2 | 1 | 1 | 50.0% |
| Lubbock County | 2 | 1 | 1 | 50.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 217 applications in 2025, of which 135 were originated and 58 denied.
26.7% of all applications, or 28.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans ABILENE TEACHERS Federal Credit Union originated in Texas in 2025 was 7.10%, against a statewide median of 6.50%.
About this data. Figures are ABILENE TEACHERS Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology