Credit Human Federal Credit Union in Texas vs the state
74.7%Denial rate+55.31 pts vs state
76.5%Decision denial rate+51.61 pts vs state
10.4%Origination rate-44.46 pts vs state
7.80%Median rate+1.30 pts vs state
1.90Rate spread (pts)+1.70 pts vs state
$73kMedian applicant income
464Loans originated
3,329Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,104 | 634 | 70.6% | 7.43% | #46 |
| 2024 | 4,789 | 526 | 74.7% | 7.69% | #35 |
| 2025 | 4,454 | 464 | 74.7% | 7.80% | #43 |
What Credit Human Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 495 | 182 | 230 | 46.5% |
| Harris County | 309 | 20 | 259 | 83.8% |
| Liberty County | 248 | 2 | 232 | 93.5% |
| Montgomery County | 192 | 10 | 154 | 80.2% |
| Bastrop County | 91 | 5 | 75 | 82.4% |
| Harrison County | 81 | 4 | 64 | 79.0% |
| Henderson County | 72 | 4 | 61 | 84.7% |
| Ector County | 72 | 0 | 65 | 90.3% |
| Brazoria County | 67 | 8 | 48 | 71.6% |
| Kerr County | 65 | 6 | 52 | 80.0% |
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: 4,454 applications in 2025, of which 464 were originated and 3,329 denied.
74.7% of all applications, or 76.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Credit Human Federal Credit Union originated in Texas in 2025 was 7.80%, against a statewide median of 6.50%.
About this data. Figures are Credit Human 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