Chartway Federal Credit Union in Texas vs the state
49.6%Denial rate+30.19 pts vs state
60.2%Decision denial rate+35.29 pts vs state
29.0%Origination rate-25.87 pts vs state
5.03%Median rate-1.47 pts vs state
-3.18Rate spread (pts)-3.37 pts vs state
$89kMedian applicant income
38Loans originated
65Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 48 | 49.3% | 6.93% | #475 |
| 2024 | 121 | 49 | 43.8% | 4.99% | #517 |
| 2025 | 131 | 38 | 49.6% | 5.03% | #499 |
What Chartway Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Chartway Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 84 | 26 | 39 | 46.4% |
| Montgomery County | 15 | 3 | 8 | 53.3% |
| Dallas County | 6 | 2 | 4 | 66.7% |
| Fort Bend County | 5 | 2 | 3 | 60.0% |
| Bosque County | 3 | 0 | 3 | 100.0% |
| Travis County | 2 | 0 | 2 | 100.0% |
| Camp County | 2 | 0 | 2 | 100.0% |
| Collin County | 2 | 0 | 0 | 0.0% |
| Bexar County | 2 | 2 | 0 | 0.0% |
| Galveston 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: 131 applications in 2025, of which 38 were originated and 65 denied.
49.6% of all applications, or 60.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Chartway Federal Credit Union originated in Texas in 2025 was 5.03%, against a statewide median of 6.50%.
About this data. Figures are Chartway 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