Credit Union of Texas at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
27th32.5% deniedPricingmedian rate spread over APOR, weight 30%
58th0.00 ptsProcesswithdrawn + incomplete share, weight 15%
63rd10.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 5,261 | 2,868 | 26.4% | 29.8% | 10.45% | $330M |
| 2024 | 4,782 | 2,502 | 29.2% | 34.8% | 8.95% | $310M |
| 2025 | 4,588 | 2,535 | 29.1% | 32.5% | 7.75% | $341M |
What Credit Union of Texas lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 4,573 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 15 investment properties.
Why Credit Union of Texas denies applications
Primary reason reported for each of the 1,334 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Credit Union of Texas
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 458 | 210 | 42.3% |
| 35–44 | 1,338 | 762 | 31.4% |
| 45–54 | 1,275 | 709 | 32.4% |
| 55–64 | 901 | 517 | 29.4% |
| 65–74 | 407 | 234 | 30.4% |
| Over 74 | 183 | 93 | 32.7% |
Where Credit Union of Texas lends
10 states and 121 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 4,573 | 2,534 | 29.0% | 7.75% | #41 |
Frequently asked questions
Credit Union of Texas denied 32.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 27th percentile of home-equity (HELOC) lenders.
The most common reason Credit Union of Texas gave in 2025 was "credit history", cited on 30.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Credit Union of Texas originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 0% of its applications were for home purchases, 100% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.