Fivepoint Credit Union in Texas vs the state
15.3%Denial rate-4.13 pts vs state
15.5%Decision denial rate-9.37 pts vs state
72.8%Origination rate+17.87 pts vs state
—Median rate
—Rate spread (pts)
$105kMedian applicant income
347Loans originated
73Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 473 | 287 | 22.8% | — | #261 |
| 2024 | 413 | 263 | 21.3% | — | #276 |
| 2025 | 477 | 347 | 15.3% | — | #267 |
What Fivepoint Credit Union lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Fivepoint Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 249 | 178 | 43 | 17.3% |
| Orange County | 67 | 51 | 9 | 13.4% |
| Hardin County | 41 | 33 | 2 | 4.9% |
| Montgomery County | 38 | 28 | 4 | 10.5% |
| Jasper County | 25 | 16 | 5 | 20.0% |
| Harris County | 19 | 13 | 4 | 21.1% |
| Chambers County | 7 | 4 | 2 | 28.6% |
| Galveston County | 5 | 4 | 0 | 0.0% |
| Newton County | 4 | 4 | 0 | 0.0% |
| Fort Bend County | 3 | 2 | 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: 477 applications in 2025, of which 347 were originated and 73 denied.
15.3% of all applications, or 15.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Fivepoint 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