Communityamerica Credit Union in Texas vs the state
28.3%Denial rate+8.89 pts vs state
38.6%Decision denial rate+13.65 pts vs state
45.1%Origination rate-9.75 pts vs state
6.48%Median rate-0.03 pts vs state
0.04Rate spread (pts)-0.15 pts vs state
$144kMedian applicant income
51Loans originated
32Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 13 | 7.1% | 5.75% | #829 |
| 2024 | 29 | 20 | 0.0% | 6.56% | #793 |
| 2025 | 113 | 51 | 28.3% | 6.48% | #532 |
What Communityamerica Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Communityamerica Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denton County | 32 | 13 | 10 | 31.3% |
| Collin County | 27 | 12 | 8 | 29.6% |
| Bexar County | 9 | 4 | 3 | 33.3% |
| Tarrant County | 9 | 5 | 1 | 11.1% |
| Dallas County | 8 | 3 | 2 | 25.0% |
| El Paso County | 6 | 3 | 3 | 50.0% |
| Harris County | 4 | 2 | 0 | 0.0% |
| Lubbock County | 2 | 2 | 0 | 0.0% |
| Nueces County | 2 | 1 | 1 | 50.0% |
| Comal County | 2 | 0 | 1 | 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: 113 applications in 2025, of which 51 were originated and 32 denied.
28.3% of all applications, or 38.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Communityamerica Credit Union originated in Texas in 2025 was 6.48%, against a statewide median of 6.50%.
About this data. Figures are Communityamerica 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