FIRST SERVICE Credit Union in Texas vs the state
8.3%Denial rate-11.15 pts vs state
11.1%Decision denial rate-13.79 pts vs state
64.7%Origination rate+9.77 pts vs state
6.75%Median rate+0.25 pts vs state
0.33Rate spread (pts)+0.14 pts vs state
$116kMedian applicant income
320Loans originated
41Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 661 | 392 | 12.3% | 6.80% | #218 |
| 2024 | 556 | 372 | 7.9% | 7.44% | #238 |
| 2025 | 495 | 320 | 8.3% | 6.75% | #260 |
What FIRST SERVICE Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most FIRST SERVICE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 283 | 177 | 28 | 9.9% |
| Fort Bend County | 64 | 43 | 2 | 3.1% |
| Montgomery County | 47 | 38 | 3 | 6.4% |
| Brazoria County | 17 | 11 | 1 | 5.9% |
| Waller County | 11 | 6 | 0 | 0.0% |
| Galveston County | 7 | 4 | 0 | 0.0% |
| Bexar County | 6 | 2 | 2 | 33.3% |
| Matagorda County | 6 | 5 | 0 | 0.0% |
| Chambers County | 5 | 2 | 0 | 0.0% |
| Jefferson County | 5 | 3 | 2 | 40.0% |
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: 495 applications in 2025, of which 320 were originated and 41 denied.
8.3% of all applications, or 11.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans FIRST SERVICE Credit Union originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are FIRST SERVICE 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