Neches Federal Credit Union in Texas vs the state
9.2%Denial rate-10.25 pts vs state
9.2%Decision denial rate-15.72 pts vs state
85.2%Origination rate+30.32 pts vs state
6.25%Median rate-0.25 pts vs state
-0.07Rate spread (pts)-0.26 pts vs state
$115kMedian applicant income
501Loans originated
54Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 641 | 492 | 17.6% | 6.50% | #223 |
| 2024 | 568 | 468 | 11.6% | 6.50% | #234 |
| 2025 | 588 | 501 | 9.2% | 6.25% | #235 |
What Neches Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Neches Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 357 | 299 | 38 | 10.6% |
| Orange County | 87 | 74 | 6 | 6.9% |
| Hardin County | 84 | 75 | 6 | 7.1% |
| Jasper County | 16 | 16 | 0 | 0.0% |
| Harris County | 8 | 7 | 1 | 12.5% |
| Galveston County | 8 | 7 | 0 | 0.0% |
| Tyler County | 6 | 5 | 1 | 16.7% |
| Chambers County | 6 | 4 | 1 | 16.7% |
| Montgomery County | 3 | 2 | 1 | 33.3% |
| Newton County | 3 | 3 | 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: 588 applications in 2025, of which 501 were originated and 54 denied.
9.2% of all applications, or 9.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Neches Federal Credit Union originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Neches 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