Eecu in Texas vs the state
38.1%Denial rate+18.66 pts vs state
42.3%Decision denial rate+17.35 pts vs state
51.4%Origination rate-3.53 pts vs state
7.25%Median rate+0.75 pts vs state
0.32Rate spread (pts)+0.13 pts vs state
$123kMedian applicant income
1,011Loans originated
750Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,813 | 1,580 | 32.2% | 7.75% | #68 |
| 2024 | 2,456 | 1,446 | 32.0% | 7.88% | #79 |
| 2025 | 1,969 | 1,011 | 38.1% | 7.25% | #101 |
What Eecu lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Eecu applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 1,112 | 566 | 434 | 39.0% |
| Parker County | 203 | 112 | 72 | 35.5% |
| Johnson County | 145 | 78 | 52 | 35.9% |
| Denton County | 110 | 61 | 44 | 40.0% |
| Dallas County | 106 | 50 | 39 | 36.8% |
| Collin County | 48 | 21 | 21 | 43.8% |
| Hood County | 39 | 21 | 13 | 33.3% |
| Ellis County | 38 | 24 | 13 | 34.2% |
| Wise County | 16 | 10 | 4 | 25.0% |
| Harris County | 11 | 4 | 3 | 27.3% |
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: 1,969 applications in 2025, of which 1,011 were originated and 750 denied.
38.1% of all applications, or 42.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Eecu originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Eecu'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