Mobility Credit Union in Texas vs the state
37.1%Denial rate+17.63 pts vs state
45.3%Decision denial rate+20.40 pts vs state
39.2%Origination rate-15.72 pts vs state
8.38%Median rate+1.88 pts vs state
1.59Rate spread (pts)+1.40 pts vs state
$158kMedian applicant income
56Loans originated
53Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 219 | 123 | 16.4% | 6.75% | #381 |
| 2024 | 134 | 54 | 29.9% | 7.38% | #494 |
| 2025 | 143 | 56 | 37.1% | 8.38% | #484 |
What Mobility Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Mobility Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 35 | 12 | 13 | 37.1% |
| Collin County | 33 | 18 | 8 | 24.2% |
| Tarrant County | 24 | 10 | 9 | 37.5% |
| Denton County | 17 | 3 | 10 | 58.8% |
| Harris County | 5 | 3 | 2 | 40.0% |
| Kaufman County | 3 | 2 | 0 | 0.0% |
| Hays County | 2 | 1 | 1 | 50.0% |
| Grayson County | 2 | 1 | 1 | 50.0% |
| Williamson County | 2 | 0 | 0 | 0.0% |
| Parker County | 2 | 0 | 2 | 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: 143 applications in 2025, of which 56 were originated and 53 denied.
37.1% of all applications, or 45.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Mobility Credit Union originated in Texas in 2025 was 8.38%, against a statewide median of 6.50%.
About this data. Figures are Mobility 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