Kelly Community Federal Credit Union in Texas vs the state
26.9%Denial rate+7.46 pts vs state
34.0%Decision denial rate+9.14 pts vs state
52.1%Origination rate-2.78 pts vs state
6.75%Median rate+0.25 pts vs state
0.29Rate spread (pts)+0.10 pts vs state
$103kMedian applicant income
62Loans originated
32Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 58 | 19.4% | 6.81% | #543 |
| 2024 | 72 | 34 | 27.8% | 7.75% | #614 |
| 2025 | 119 | 62 | 26.9% | 6.75% | #518 |
What Kelly 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 Kelly Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Smith County | 90 | 49 | 23 | 25.6% |
| Cherokee County | 7 | 4 | 2 | 28.6% |
| Van Zandt County | 6 | 2 | 0 | 0.0% |
| Anderson County | 3 | 1 | 1 | 33.3% |
| Henderson County | 2 | 1 | 1 | 50.0% |
| Williamson County | 1 | 0 | 1 | 100.0% |
| Gregg County | 1 | 1 | 0 | 0.0% |
| Collin County | 1 | 1 | 0 | 0.0% |
| Upshur County | 1 | 0 | 1 | 100.0% |
| San Jacinto 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: 119 applications in 2025, of which 62 were originated and 32 denied.
26.9% of all applications, or 34.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Kelly Community Federal Credit Union originated in Texas in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Kelly 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