Genco Federal Credit Union in Texas vs the state
43.6%Denial rate+24.20 pts vs state
57.4%Decision denial rate+32.52 pts vs state
30.9%Origination rate-24.00 pts vs state
—Median rate
—Rate spread (pts)
$95kMedian applicant income
63Loans originated
89Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 162 | 36 | 45.7% | — | #456 |
| 2024 | 218 | 62 | 41.3% | — | #383 |
| 2025 | 204 | 63 | 43.6% | — | #413 |
What Genco Federal Credit Union lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Genco Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLennan County | 135 | 44 | 61 | 45.2% |
| Angelina County | 42 | 11 | 23 | 54.8% |
| Nacogdoches County | 4 | 2 | 0 | 0.0% |
| Hill County | 4 | 3 | 0 | 0.0% |
| Bosque County | 3 | 1 | 1 | 33.3% |
| Falls County | 3 | 0 | 1 | 33.3% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Freestone County | 2 | 0 | 0 | 0.0% |
| Grimes County | 1 | 0 | 0 | 0.0% |
| Bell 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: 204 applications in 2025, of which 63 were originated and 89 denied.
43.6% of all applications, or 57.4% 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 Genco 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