Deseret First Credit Union in Texas vs the state
57.1%Denial rate+37.71 pts vs state
57.1%Decision denial rate+32.24 pts vs state
42.9%Origination rate-12.02 pts vs state
6.49%Median rate-0.01 pts vs state
-0.15Rate spread (pts)-0.34 pts vs state
$144kMedian applicant income
3Loans originated
4Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 1 | 60.0% | 6.13% | #1,126 |
| 2024 | 5 | 3 | 20.0% | 6.50% | #1,056 |
| 2025 | 7 | 3 | 57.1% | 6.49% | #1,024 |
What Deseret First Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Deseret First Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fort Bend County | 2 | 1 | 1 | 50.0% |
| Tarrant County | 1 | 0 | 1 | 100.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Travis County | 1 | 0 | 1 | 100.0% |
| Harris County | 1 | 1 | 0 | 0.0% |
| Denton County | 1 | 0 | 1 | 100.0% |
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: 7 applications in 2025, of which 3 were originated and 4 denied.
57.1% of all applications, or 57.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Deseret First Credit Union originated in Texas in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Deseret First 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