Credit Union Mortgage Association in Texas vs the state
6.7%Denial rate-12.76 pts vs state
10.0%Decision denial rate-14.90 pts vs state
60.0%Origination rate+5.12 pts vs state
5.94%Median rate-0.56 pts vs state
-0.55Rate spread (pts)-0.74 pts vs state
$200kMedian applicant income
18Loans originated
2Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 14 | 14.6% | 5.56% | #747 |
| 2024 | 37 | 12 | 5.4% | 6.13% | #743 |
| 2025 | 30 | 18 | 6.7% | 5.94% | #797 |
What Credit Union Mortgage Association lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Credit Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 11 | 7 | 0 | 0.0% |
| Montgomery County | 3 | 3 | 0 | 0.0% |
| Fort Bend County | 3 | 2 | 0 | 0.0% |
| Bexar County | 2 | 0 | 2 | 100.0% |
| Tarrant County | 2 | 1 | 0 | 0.0% |
| Liberty County | 1 | 1 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
| Midland County | 1 | 0 | 0 | 0.0% |
| Grayson County | 1 | 0 | 0 | 0.0% |
| Dallas County | 1 | 0 | 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: 30 applications in 2025, of which 18 were originated and 2 denied.
6.7% of all applications, or 10.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Credit Union Mortgage Association originated in Texas in 2025 was 5.94%, against a statewide median of 6.50%.
About this data. Figures are Credit Union Mortgage Association'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