Lafayette Federal Credit Union in Texas vs the state
15.4%Denial rate-4.05 pts vs state
100.0%Decision denial rate+75.10 pts vs state
0.0%Origination rate-54.88 pts vs state
—Median rate
—Rate spread (pts)
$187kMedian applicant income
0Loans originated
2Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 17 | 5 | 47.1% | 6.00% | #909 |
| 2024 | 9 | 0 | 55.6% | — | #992 |
| 2025 | 13 | 0 | 15.4% | — | #931 |
What Lafayette Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Lafayette Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 4 | 0 | 0 | 0.0% |
| Montgomery County | 2 | 0 | 1 | 50.0% |
| Dallas County | 1 | 0 | 0 | 0.0% |
| Cameron County | 1 | 0 | 0 | 0.0% |
| Bexar County | 1 | 0 | 0 | 0.0% |
| Guadalupe County | 1 | 0 | 1 | 100.0% |
| Travis County | 1 | 0 | 0 | 0.0% |
| Fort Bend County | 1 | 0 | 0 | 0.0% |
| Parker 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: 13 applications in 2025, of which 0 were originated and 2 denied.
15.4% of all applications, or 100.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Lafayette 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