CHEVRON Federal Credit Union in Texas vs the state
16.0%Denial rate-3.44 pts vs state
19.2%Decision denial rate-5.74 pts vs state
66.6%Origination rate+11.74 pts vs state
6.13%Median rate-0.38 pts vs state
-0.26Rate spread (pts)-0.45 pts vs state
$219kMedian applicant income
529Loans originated
127Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 711 | 448 | 17.0% | 6.38% | #208 |
| 2024 | 604 | 371 | 19.9% | 6.75% | #225 |
| 2025 | 794 | 529 | 16.0% | 6.13% | #191 |
What CHEVRON Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most CHEVRON Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 392 | 279 | 47 | 12.0% |
| Fort Bend County | 124 | 78 | 26 | 21.0% |
| Montgomery County | 84 | 64 | 11 | 13.1% |
| Midland County | 34 | 26 | 3 | 8.8% |
| Galveston County | 17 | 14 | 2 | 11.8% |
| Brazoria County | 17 | 8 | 5 | 29.4% |
| El Paso County | 14 | 6 | 4 | 28.6% |
| Travis County | 9 | 3 | 2 | 22.2% |
| Cameron County | 8 | 3 | 1 | 12.5% |
| Williamson County | 8 | 3 | 4 | 50.0% |
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: 794 applications in 2025, of which 529 were originated and 127 denied.
16.0% of all applications, or 19.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans CHEVRON Federal Credit Union originated in Texas in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are CHEVRON 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