Fedex Employees Credit Association in Texas vs the state
6.3%Denial rate-13.18 pts vs state
10.0%Decision denial rate-14.90 pts vs state
56.3%Origination rate+1.37 pts vs state
6.63%Median rate+0.13 pts vs state
0.46Rate spread (pts)+0.27 pts vs state
$94kMedian applicant income
9Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 5 | 35.7% | 7.13% | #944 |
| 2024 | 14 | 3 | 28.6% | 6.63% | #916 |
| 2025 | 16 | 9 | 6.3% | 6.63% | #891 |
What Fedex Employees Credit Association lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Fedex Employees Credit Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 4 | 3 | 0 | 0.0% |
| Collin County | 2 | 1 | 0 | 0.0% |
| Cameron County | 2 | 0 | 0 | 0.0% |
| Parker County | 1 | 0 | 1 | 100.0% |
| Tarrant County | 1 | 1 | 0 | 0.0% |
| Taylor County | 1 | 1 | 0 | 0.0% |
| Upshur County | 1 | 1 | 0 | 0.0% |
| Dallas County | 1 | 1 | 0 | 0.0% |
| Fort Bend County | 1 | 0 | 0 | 0.0% |
| Hidalgo 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: 16 applications in 2025, of which 9 were originated and 1 denied.
6.3% of all applications, or 10.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Fedex Employees Credit Association originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Fedex Employees Credit Association'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