Capitol Credit Union in Texas vs the state
15.8%Denial rate-3.59 pts vs state
22.3%Decision denial rate-2.61 pts vs state
48.4%Origination rate-6.46 pts vs state
6.63%Median rate+0.13 pts vs state
0.38Rate spread (pts)+0.18 pts vs state
$143kMedian applicant income
107Loans originated
35Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 137 | 88 | 19.0% | 6.79% | #497 |
| 2024 | 148 | 83 | 24.3% | 6.99% | #464 |
| 2025 | 221 | 107 | 15.8% | 6.63% | #399 |
What Capitol Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Capitol Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 105 | 49 | 18 | 17.1% |
| Williamson County | 42 | 19 | 7 | 16.7% |
| Hays County | 14 | 9 | 0 | 0.0% |
| Harris County | 8 | 5 | 1 | 12.5% |
| Bexar County | 6 | 3 | 0 | 0.0% |
| Tarrant County | 4 | 1 | 2 | 50.0% |
| Collin County | 4 | 3 | 1 | 25.0% |
| Bastrop County | 4 | 1 | 1 | 25.0% |
| Gillespie County | 3 | 1 | 0 | 0.0% |
| Bell County | 3 | 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: 221 applications in 2025, of which 107 were originated and 35 denied.
15.8% of all applications, or 22.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Capitol Credit Union originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Capitol 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