Navy Federal Credit Union in Texas vs the state
25.6%Denial rate+6.17 pts vs state
40.7%Decision denial rate+15.75 pts vs state
36.5%Origination rate-18.39 pts vs state
6.38%Median rate-0.13 pts vs state
-0.14Rate spread (pts)-0.33 pts vs state
$125kMedian applicant income
4,267Loans originated
2,993Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14,218 | 4,369 | 41.4% | 6.63% | #11 |
| 2024 | 12,187 | 4,355 | 28.0% | 6.75% | #16 |
| 2025 | 11,693 | 4,267 | 25.6% | 6.38% | #20 |
What Navy Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,447 | 461 | 430 | 29.7% |
| Bexar County | 1,063 | 377 | 260 | 24.5% |
| Tarrant County | 1,054 | 387 | 275 | 26.1% |
| Dallas County | 666 | 193 | 208 | 31.2% |
| El Paso County | 615 | 226 | 160 | 26.0% |
| Bell County | 564 | 209 | 146 | 25.9% |
| Collin County | 480 | 163 | 126 | 26.3% |
| Denton County | 454 | 172 | 117 | 25.8% |
| Montgomery County | 423 | 160 | 113 | 26.7% |
| Fort Bend County | 380 | 120 | 110 | 28.9% |
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: 11,693 applications in 2025, of which 4,267 were originated and 2,993 denied.
25.6% of all applications, or 40.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Navy Federal Credit Union originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Navy 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