Lone Star Federally Insured State-Chartered Credit Union in Texas vs the state
35.5%Denial rate+16.05 pts vs state
43.7%Decision denial rate+18.75 pts vs state
44.5%Origination rate-10.36 pts vs state
7.25%Median rate+0.75 pts vs state
1.00Rate spread (pts)+0.81 pts vs state
$81kMedian applicant income
69Loans originated
55Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 155 | 68 | 43.2% | 7.00% | #471 |
| 2024 | 148 | 87 | 29.7% | 7.50% | #465 |
| 2025 | 155 | 69 | 35.5% | 7.25% | #468 |
What Lone Star Federally Insured State-Chartered Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Lone Star Federally Insured State-Chartered Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kaufman County | 42 | 25 | 7 | 16.7% |
| Hunt County | 29 | 21 | 4 | 13.8% |
| Dallas County | 20 | 11 | 3 | 15.0% |
| Rockwall County | 5 | 3 | 1 | 20.0% |
| Van Zandt County | 4 | 1 | 3 | 75.0% |
| Rains County | 3 | 1 | 1 | 33.3% |
| Wood County | 3 | 1 | 0 | 0.0% |
| Tarrant County | 3 | 1 | 0 | 0.0% |
| Henderson County | 3 | 0 | 3 | 100.0% |
| Denton County | 2 | 1 | 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: 155 applications in 2025, of which 69 were originated and 55 denied.
35.5% of all applications, or 43.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Lone Star Federally Insured State-Chartered Credit Union originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are Lone Star Federally Insured State-Chartered 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