Rally Credit Union in Texas vs the state
35.7%Denial rate+16.31 pts vs state
41.4%Decision denial rate+16.49 pts vs state
40.1%Origination rate-14.81 pts vs state
6.63%Median rate+0.13 pts vs state
0.27Rate spread (pts)+0.08 pts vs state
$81kMedian applicant income
1,474Loans originated
1,315Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,202 | 1,155 | 25.6% | 6.88% | #58 |
| 2024 | 3,400 | 1,283 | 28.7% | 6.88% | #55 |
| 2025 | 3,679 | 1,474 | 35.7% | 6.63% | #50 |
What Rally Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Rally Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hidalgo County | 1,412 | 467 | 611 | 43.3% |
| Nueces County | 1,191 | 529 | 348 | 29.2% |
| Cameron County | 457 | 199 | 164 | 35.9% |
| San Patricio County | 199 | 107 | 51 | 25.6% |
| Jim Wells County | 75 | 31 | 22 | 29.3% |
| Kleberg County | 53 | 14 | 22 | 41.5% |
| Bee County | 46 | 20 | 14 | 30.4% |
| Aransas County | 43 | 23 | 10 | 23.3% |
| Starr County | 30 | 9 | 17 | 56.7% |
| Willacy County | 25 | 9 | 14 | 56.0% |
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: 3,679 applications in 2025, of which 1,474 were originated and 1,315 denied.
35.7% of all applications, or 41.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Rally Credit Union originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Rally 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