Access Community Credit Union in Texas vs the state
6.5%Denial rate-12.89 pts vs state
6.6%Decision denial rate-18.26 pts vs state
86.9%Origination rate+32.04 pts vs state
6.81%Median rate+0.31 pts vs state
0.65Rate spread (pts)+0.46 pts vs state
$147kMedian applicant income
186Loans originated
14Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 149 | 7.7% | 7.00% | #411 |
| 2024 | 188 | 136 | 8.5% | 7.44% | #415 |
| 2025 | 214 | 186 | 6.5% | 6.81% | #406 |
What Access Community Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Access Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Randall County | 103 | 92 | 7 | 6.8% |
| Potter County | 72 | 65 | 6 | 8.3% |
| Armstrong County | 4 | 3 | 0 | 0.0% |
| Hale County | 3 | 2 | 0 | 0.0% |
| Lubbock County | 3 | 3 | 0 | 0.0% |
| Moore County | 3 | 3 | 0 | 0.0% |
| Gray County | 2 | 2 | 0 | 0.0% |
| Carson County | 2 | 2 | 0 | 0.0% |
| Hays County | 2 | 1 | 1 | 50.0% |
| Denton County | 2 | 2 | 0 | 0.0% |
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: 214 applications in 2025, of which 186 were originated and 14 denied.
6.5% of all applications, or 6.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Access Community Credit Union originated in Texas in 2025 was 6.81%, against a statewide median of 6.50%.
About this data. Figures are Access Community 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