Bayer Heritage Credit Union in Texas vs the state
23.3%Denial rate+3.90 pts vs state
28.0%Decision denial rate+3.10 pts vs state
60.0%Origination rate+5.12 pts vs state
6.00%Median rate-0.50 pts vs state
-1.20Rate spread (pts)-1.39 pts vs state
$116kMedian applicant income
18Loans originated
7Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 14 | 19.2% | 5.69% | #844 |
| 2024 | 20 | 12 | 25.0% | 6.00% | #856 |
| 2025 | 30 | 18 | 23.3% | 6.00% | #807 |
What Bayer Heritage Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Bayer Heritage Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chambers County | 9 | 5 | 3 | 33.3% |
| Harris County | 9 | 6 | 3 | 33.3% |
| Brazoria County | 3 | 1 | 1 | 33.3% |
| Liberty County | 2 | 1 | 0 | 0.0% |
| Fort Bend County | 1 | 1 | 0 | 0.0% |
| Navarro County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Grayson County | 1 | 0 | 0 | 0.0% |
| Starr County | 1 | 0 | 0 | 0.0% |
| Galveston 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: 30 applications in 2025, of which 18 were originated and 7 denied.
23.3% of all applications, or 28.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Bayer Heritage Credit Union originated in Texas in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Bayer Heritage 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