Greater Texas Federal Credit Union in Texas vs the state
51.8%Denial rate+32.35 pts vs state
59.8%Decision denial rate+34.87 pts vs state
31.8%Origination rate-23.10 pts vs state
6.67%Median rate+0.17 pts vs state
0.48Rate spread (pts)+0.29 pts vs state
$117kMedian applicant income
259Loans originated
422Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 812 | 211 | 50.9% | 6.67% | #184 |
| 2024 | 881 | 255 | 51.7% | 6.87% | #184 |
| 2025 | 815 | 259 | 51.8% | 6.67% | #188 |
What Greater Texas Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Greater Texas Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brazos County | 148 | 67 | 60 | 40.5% |
| Harris County | 103 | 26 | 54 | 52.4% |
| Travis County | 80 | 20 | 42 | 52.5% |
| Hidalgo County | 54 | 17 | 30 | 55.6% |
| Tarrant County | 44 | 14 | 28 | 63.6% |
| Williamson County | 43 | 10 | 23 | 53.5% |
| Dallas County | 35 | 10 | 18 | 51.4% |
| Fort Bend County | 29 | 11 | 12 | 41.4% |
| Collin County | 27 | 9 | 16 | 59.3% |
| Denton County | 25 | 9 | 14 | 56.0% |
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: 815 applications in 2025, of which 259 were originated and 422 denied.
51.8% of all applications, or 59.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Greater Texas Federal Credit Union originated in Texas in 2025 was 6.67%, against a statewide median of 6.50%.
About this data. Figures are Greater Texas 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