Mct Credit Union in Texas vs the state
13.1%Denial rate-6.33 pts vs state
14.4%Decision denial rate-10.52 pts vs state
78.0%Origination rate+23.10 pts vs state
6.25%Median rate-0.25 pts vs state
0.03Rate spread (pts)-0.16 pts vs state
$113kMedian applicant income
131Loans originated
22Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 229 | 179 | 13.5% | 5.50% | #371 |
| 2024 | 162 | 131 | 11.7% | 6.25% | #446 |
| 2025 | 168 | 131 | 13.1% | 6.25% | #449 |
What Mct Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Mct Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 80 | 57 | 14 | 17.5% |
| Orange County | 48 | 42 | 4 | 8.3% |
| Hardin County | 17 | 14 | 1 | 5.9% |
| Jasper County | 6 | 5 | 0 | 0.0% |
| Newton County | 4 | 2 | 2 | 50.0% |
| Montgomery County | 4 | 4 | 0 | 0.0% |
| Galveston County | 2 | 1 | 0 | 0.0% |
| Harris County | 2 | 2 | 0 | 0.0% |
| Brazos County | 1 | 1 | 0 | 0.0% |
| Polk 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: 168 applications in 2025, of which 131 were originated and 22 denied.
13.1% of all applications, or 14.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Mct Credit Union originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Mct 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