Generations Community Federal Credit Union in Texas vs the state
26.3%Denial rate+6.89 pts vs state
30.9%Decision denial rate+5.96 pts vs state
55.5%Origination rate+0.65 pts vs state
7.00%Median rate+0.50 pts vs state
0.89Rate spread (pts)+0.70 pts vs state
$84kMedian applicant income
211Loans originated
100Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 581 | 328 | 27.5% | 6.74% | #235 |
| 2024 | 464 | 268 | 28.5% | 7.10% | #262 |
| 2025 | 380 | 211 | 26.3% | 7.00% | #305 |
What Generations Community Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Generations Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 310 | 173 | 78 | 25.2% |
| Medina County | 17 | 13 | 3 | 17.6% |
| Comal County | 8 | 5 | 2 | 25.0% |
| Guadalupe County | 6 | 6 | 0 | 0.0% |
| Wilson County | 5 | 3 | 2 | 40.0% |
| Denton County | 3 | 2 | 0 | 0.0% |
| Harris County | 2 | 1 | 1 | 50.0% |
| Atascosa County | 2 | 0 | 1 | 50.0% |
| Nueces County | 1 | 1 | 0 | 0.0% |
| Zavala 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: 380 applications in 2025, of which 211 were originated and 100 denied.
26.3% of all applications, or 30.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Generations Community Federal Credit Union originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Generations Community 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