Sabine Federal Credit Union in Texas vs the state
20.8%Denial rate+1.40 pts vs state
25.0%Decision denial rate+0.10 pts vs state
58.3%Origination rate+3.45 pts vs state
—Median rate
—Rate spread (pts)
$124kMedian applicant income
70Loans originated
25Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 98 | 16.9% | — | #499 |
| 2024 | 128 | 85 | 17.2% | — | #505 |
| 2025 | 120 | 70 | 20.8% | — | #516 |
What Sabine Federal Credit Union lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Sabine Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 80 | 50 | 18 | 22.5% |
| Jefferson County | 11 | 5 | 4 | 36.4% |
| Jasper County | 5 | 4 | 1 | 20.0% |
| Newton County | 5 | 3 | 0 | 0.0% |
| Hardin County | 4 | 3 | 0 | 0.0% |
| Sabine County | 2 | 0 | 2 | 100.0% |
| Cherokee County | 2 | 1 | 0 | 0.0% |
| Harris County | 2 | 0 | 0 | 0.0% |
| Galveston County | 2 | 0 | 0 | 0.0% |
| Kendall County | 1 | 0 | 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: 120 applications in 2025, of which 70 were originated and 25 denied.
20.8% of all applications, or 25.0% 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 Sabine 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