ACFCU Federal Credit Union in Texas vs the state
17.9%Denial rate-1.54 pts vs state
19.5%Decision denial rate-5.43 pts vs state
74.0%Origination rate+19.10 pts vs state
7.26%Median rate+0.76 pts vs state
1.50Rate spread (pts)+1.31 pts vs state
$68kMedian applicant income
91Loans originated
22Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 138 | 109 | 12.3% | 7.49% | #496 |
| 2024 | 153 | 103 | 19.0% | 8.49% | #460 |
| 2025 | 123 | 91 | 17.9% | 7.26% | #509 |
What ACFCU Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most ACFCU Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Potter County | 50 | 39 | 7 | 14.0% |
| Randall County | 47 | 33 | 13 | 27.7% |
| Gray County | 13 | 8 | 1 | 7.7% |
| Swisher County | 3 | 3 | 0 | 0.0% |
| Hutchinson County | 3 | 2 | 1 | 33.3% |
| Castro County | 1 | 1 | 0 | 0.0% |
| Dallas County | 1 | 0 | 0 | 0.0% |
| Wheeler County | 1 | 1 | 0 | 0.0% |
| Hale County | 1 | 1 | 0 | 0.0% |
| Bell County | 1 | 1 | 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: 123 applications in 2025, of which 91 were originated and 22 denied.
17.9% of all applications, or 19.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans ACFCU Federal Credit Union originated in Texas in 2025 was 7.26%, against a statewide median of 6.50%.
About this data. Figures are ACFCU 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