Empeople Credit Union in Texas vs the state
34.9%Denial rate+15.45 pts vs state
44.1%Decision denial rate+19.22 pts vs state
43.0%Origination rate-11.86 pts vs state
6.24%Median rate-0.26 pts vs state
-0.41Rate spread (pts)-0.60 pts vs state
$120kMedian applicant income
37Loans originated
30Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 56 | 24.2% | 6.93% | #560 |
| 2024 | 110 | 52 | 22.7% | 6.56% | #536 |
| 2025 | 86 | 37 | 34.9% | 6.24% | #591 |
What Empeople Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLennan County | 9 | 4 | 3 | 33.3% |
| Harris County | 8 | 4 | 4 | 50.0% |
| Randall County | 5 | 2 | 1 | 20.0% |
| Collin County | 5 | 3 | 1 | 20.0% |
| Denton County | 4 | 3 | 0 | 0.0% |
| Montgomery County | 4 | 2 | 1 | 25.0% |
| Ellis County | 4 | 0 | 1 | 25.0% |
| Tarrant County | 4 | 1 | 3 | 75.0% |
| Hunt County | 4 | 2 | 2 | 50.0% |
| Hansford County | 3 | 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: 86 applications in 2025, of which 37 were originated and 30 denied.
34.9% of all applications, or 44.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Empeople Credit Union originated in Texas in 2025 was 6.24%, against a statewide median of 6.50%.
About this data. Figures are Empeople 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