Credit Union of Texas in Texas vs the state
29.0%Denial rate+9.52 pts vs state
32.3%Decision denial rate+7.42 pts vs state
55.4%Origination rate+0.53 pts vs state
7.75%Median rate+1.25 pts vs state
0.00Rate spread (pts)-0.19 pts vs state
$112kMedian applicant income
2,534Loans originated
1,324Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,183 | 2,833 | 26.3% | 10.45% | #35 |
| 2024 | 4,732 | 2,477 | 29.1% | 8.95% | #37 |
| 2025 | 4,573 | 2,534 | 29.0% | 7.75% | #41 |
What Credit Union of Texas lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Credit Union of Texas applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 1,630 | 858 | 489 | 30.0% |
| Collin County | 775 | 489 | 170 | 21.9% |
| Denton County | 468 | 291 | 120 | 25.6% |
| Tarrant County | 287 | 142 | 92 | 32.1% |
| Kaufman County | 144 | 73 | 54 | 37.5% |
| Rockwall County | 142 | 83 | 38 | 26.8% |
| Ellis County | 100 | 60 | 33 | 33.0% |
| Harris County | 91 | 47 | 27 | 29.7% |
| Upshur County | 76 | 47 | 19 | 25.0% |
| Hunt County | 64 | 32 | 23 | 35.9% |
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: 4,573 applications in 2025, of which 2,534 were originated and 1,324 denied.
29.0% of all applications, or 32.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Credit Union of Texas originated in Texas in 2025 was 7.75%, against a statewide median of 6.50%.
About this data. Figures are Credit Union of Texas'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