FirstLight Federal Credit Union in Texas vs the state
36.0%Denial rate+16.58 pts vs state
56.8%Decision denial rate+31.92 pts vs state
21.5%Origination rate-33.39 pts vs state
6.63%Median rate+0.13 pts vs state
0.44Rate spread (pts)+0.24 pts vs state
$76kMedian applicant income
179Loans originated
300Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 981 | 188 | 33.4% | 7.50% | #153 |
| 2024 | 635 | 181 | 35.3% | 6.63% | #219 |
| 2025 | 833 | 179 | 36.0% | 6.63% | #186 |
What FirstLight Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most FirstLight Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 625 | 175 | 212 | 33.9% |
| Tarrant County | 7 | 2 | 2 | 28.6% |
| Dallas County | 5 | 0 | 0 | 0.0% |
| Bexar County | 4 | 1 | 1 | 25.0% |
| Harris County | 2 | 0 | 0 | 0.0% |
| Brazoria County | 1 | 0 | 0 | 0.0% |
| Potter County | 1 | 0 | 0 | 0.0% |
| Hudspeth County | 1 | 1 | 0 | 0.0% |
| Comal County | 1 | 0 | 0 | 0.0% |
| Liberty 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: 833 applications in 2025, of which 179 were originated and 300 denied.
36.0% of all applications, or 56.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans FirstLight Federal Credit Union originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are FirstLight Federal 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