JSC Federal Credit Union in Texas vs the state
24.6%Denial rate+5.16 pts vs state
34.6%Decision denial rate+9.66 pts vs state
41.3%Origination rate-13.62 pts vs state
6.25%Median rate-0.25 pts vs state
-0.06Rate spread (pts)-0.26 pts vs state
$127kMedian applicant income
755Loans originated
450Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,401 | 708 | 21.5% | 6.75% | #117 |
| 2024 | 1,732 | 922 | 21.5% | 6.88% | #102 |
| 2025 | 1,830 | 755 | 24.6% | 6.25% | #110 |
What JSC Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most JSC Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 761 | 330 | 193 | 25.4% |
| Galveston County | 472 | 222 | 97 | 20.6% |
| Brazoria County | 194 | 91 | 42 | 21.6% |
| Fort Bend County | 137 | 48 | 48 | 35.0% |
| Montgomery County | 45 | 19 | 10 | 22.2% |
| Liberty County | 15 | 4 | 7 | 46.7% |
| Chambers County | 14 | 7 | 5 | 35.7% |
| Tarrant County | 11 | 5 | 2 | 18.2% |
| Waller County | 11 | 5 | 5 | 45.5% |
| Collin County | 10 | 2 | 2 | 20.0% |
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: 1,830 applications in 2025, of which 755 were originated and 450 denied.
24.6% of all applications, or 34.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans JSC Federal Credit Union originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are JSC 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