Advancial Credit Union in Texas vs the state
8.3%Denial rate-11.10 pts vs state
10.1%Decision denial rate-14.82 pts vs state
71.2%Origination rate+16.27 pts vs state
6.75%Median rate+0.25 pts vs state
0.43Rate spread (pts)+0.24 pts vs state
$178kMedian applicant income
111Loans originated
13Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 155 | 121 | 7.1% | 7.25% | #469 |
| 2024 | 139 | 96 | 5.8% | 7.00% | #483 |
| 2025 | 156 | 111 | 8.3% | 6.75% | #466 |
What Advancial Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Advancial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 32 | 22 | 2 | 6.3% |
| Dallas County | 29 | 17 | 4 | 13.8% |
| Collin County | 16 | 10 | 2 | 12.5% |
| Denton County | 15 | 10 | 3 | 20.0% |
| Montgomery County | 8 | 6 | 0 | 0.0% |
| Cameron County | 6 | 6 | 0 | 0.0% |
| Fort Bend County | 6 | 6 | 0 | 0.0% |
| Tarrant County | 5 | 5 | 0 | 0.0% |
| Ellis County | 4 | 2 | 0 | 0.0% |
| Bexar County | 3 | 3 | 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: 156 applications in 2025, of which 111 were originated and 13 denied.
8.3% of all applications, or 10.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Advancial Credit Union originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Advancial 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