Delta Community Credit Union in Texas vs the state
24.1%Denial rate+4.64 pts vs state
32.5%Decision denial rate+7.60 pts vs state
50.0%Origination rate-4.88 pts vs state
5.88%Median rate-0.63 pts vs state
-0.50Rate spread (pts)-0.69 pts vs state
$147kMedian applicant income
27Loans originated
13Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 20 | 37.5% | 6.94% | #687 |
| 2024 | 50 | 29 | 28.0% | 6.13% | #689 |
| 2025 | 54 | 27 | 24.1% | 5.88% | #700 |
What Delta Community Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Delta Community Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 15 | 8 | 5 | 33.3% |
| Dallas County | 6 | 3 | 2 | 33.3% |
| Denton County | 6 | 3 | 1 | 16.7% |
| Harris County | 5 | 0 | 2 | 40.0% |
| Montgomery County | 4 | 2 | 0 | 0.0% |
| Bexar County | 3 | 1 | 1 | 33.3% |
| Collin County | 2 | 1 | 0 | 0.0% |
| Parker County | 2 | 1 | 0 | 0.0% |
| Williamson County | 2 | 1 | 1 | 50.0% |
| Cameron 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: 54 applications in 2025, of which 27 were originated and 13 denied.
24.1% of all applications, or 32.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Delta Community Credit Union originated in Texas in 2025 was 5.88%, against a statewide median of 6.50%.
About this data. Figures are Delta Community 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