Cy-Fair Federal Credit Union in Texas vs the state
7.8%Denial rate-11.65 pts vs state
8.3%Decision denial rate-16.57 pts vs state
83.8%Origination rate+28.95 pts vs state
7.41%Median rate+0.91 pts vs state
1.56Rate spread (pts)+1.36 pts vs state
$110kMedian applicant income
140Loans originated
13Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 116 | 9.4% | 6.37% | #494 |
| 2024 | 171 | 130 | 12.3% | 7.97% | #435 |
| 2025 | 167 | 140 | 7.8% | 7.41% | #452 |
What Cy-Fair Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Cy-Fair Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 152 | 127 | 13 | 8.6% |
| Montgomery County | 5 | 5 | 0 | 0.0% |
| Fort Bend County | 3 | 2 | 0 | 0.0% |
| Liberty County | 2 | 2 | 0 | 0.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
| Waller County | 1 | 1 | 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: 167 applications in 2025, of which 140 were originated and 13 denied.
7.8% of all applications, or 8.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Cy-Fair Federal Credit Union originated in Texas in 2025 was 7.41%, against a statewide median of 6.50%.
About this data. Figures are Cy-Fair 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