AMERICU Credit Union in Texas vs the state
100.0%Denial rate+80.57 pts vs state
100.0%Decision denial rate+75.10 pts vs state
0.0%Origination rate-54.88 pts vs state
—Median rate
—Rate spread (pts)
$153kMedian applicant income
0Loans originated
11Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 0 | 80.0% | — | #1,075 |
| 2025 | 11 | 0 | 100.0% | — | #944 |
What AMERICU Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most AMERICU Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 2 | 0 | 2 | 100.0% |
| Guadalupe County | 1 | 0 | 1 | 100.0% |
| Williamson County | 1 | 0 | 1 | 100.0% |
| El Paso County | 1 | 0 | 1 | 100.0% |
| Galveston County | 1 | 0 | 1 | 100.0% |
| Wichita County | 1 | 0 | 1 | 100.0% |
| Nueces County | 1 | 0 | 1 | 100.0% |
| Dallas County | 1 | 0 | 1 | 100.0% |
| Ellis County | 1 | 0 | 1 | 100.0% |
| Bexar County | 1 | 0 | 1 | 100.0% |
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: 11 applications in 2025, of which 0 were originated and 11 denied.
100.0% of all applications, or 100.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are AMERICU 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