Red River Employees Federal Credit Union in Texas vs the state
14.7%Denial rate-4.71 pts vs state
15.9%Decision denial rate-9.05 pts vs state
78.1%Origination rate+23.23 pts vs state
—Median rate
—Rate spread (pts)
$89kMedian applicant income
207Loans originated
39Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 213 | 161 | 15.5% | 7.13% | #390 |
| 2024 | 266 | 203 | 13.9% | — | #340 |
| 2025 | 265 | 207 | 14.7% | — | #361 |
What Red River Employees Federal Credit Union lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Red River Employees Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bowie County | 132 | 105 | 23 | 17.4% |
| Cass County | 34 | 32 | 2 | 5.9% |
| Hunt County | 17 | 14 | 1 | 5.9% |
| Lamar County | 16 | 12 | 2 | 12.5% |
| Hopkins County | 14 | 8 | 3 | 21.4% |
| Red River County | 6 | 4 | 0 | 0.0% |
| Harrison County | 4 | 2 | 1 | 25.0% |
| Morris County | 4 | 1 | 2 | 50.0% |
| Wood County | 4 | 2 | 2 | 50.0% |
| Camp County | 3 | 2 | 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: 265 applications in 2025, of which 207 were originated and 39 denied.
14.7% of all applications, or 15.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Red River Employees 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