Houston Federal Credit Union in Texas vs the state
22.9%Denial rate+3.43 pts vs state
31.5%Decision denial rate+6.60 pts vs state
46.9%Origination rate-8.02 pts vs state
6.75%Median rate+0.25 pts vs state
0.37Rate spread (pts)+0.18 pts vs state
$130kMedian applicant income
82Loans originated
40Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 309 | 162 | 17.2% | — | #321 |
| 2024 | 268 | 146 | 24.6% | 7.50% | #335 |
| 2025 | 175 | 82 | 22.9% | 6.75% | #440 |
What Houston Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Houston Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 84 | 36 | 19 | 22.6% |
| Fort Bend County | 69 | 35 | 16 | 23.2% |
| Montgomery County | 5 | 4 | 1 | 20.0% |
| Travis County | 4 | 1 | 2 | 50.0% |
| Waller County | 2 | 2 | 0 | 0.0% |
| Bexar County | 2 | 0 | 0 | 0.0% |
| Guadalupe County | 1 | 0 | 0 | 0.0% |
| Colorado County | 1 | 1 | 0 | 0.0% |
| Chambers County | 1 | 0 | 1 | 100.0% |
| Galveston County | 1 | 0 | 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: 175 applications in 2025, of which 82 were originated and 40 denied.
22.9% of all applications, or 31.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Houston Federal Credit Union originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Houston 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