Security Service Federal Credit Union in Texas vs the state
23.8%Denial rate+4.41 pts vs state
34.2%Decision denial rate+9.31 pts vs state
44.2%Origination rate-10.70 pts vs state
6.99%Median rate+0.49 pts vs state
0.06Rate spread (pts)-0.13 pts vs state
$100kMedian applicant income
2,268Loans originated
1,224Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,711 | 3,004 | 25.7% | 6.49% | #30 |
| 2024 | 5,613 | 2,448 | 27.2% | 7.25% | #30 |
| 2025 | 5,134 | 2,268 | 23.8% | 6.99% | #36 |
What Security Service Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Security Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 2,452 | 1,072 | 607 | 24.8% |
| Hidalgo County | 585 | 243 | 152 | 26.0% |
| Cameron County | 289 | 127 | 65 | 22.5% |
| Comal County | 220 | 108 | 53 | 24.1% |
| El Paso County | 197 | 99 | 55 | 27.9% |
| Guadalupe County | 120 | 50 | 28 | 23.3% |
| Nueces County | 116 | 55 | 20 | 17.2% |
| Medina County | 95 | 44 | 20 | 21.1% |
| Travis County | 84 | 35 | 18 | 21.4% |
| Kendall County | 78 | 46 | 5 | 6.4% |
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: 5,134 applications in 2025, of which 2,268 were originated and 1,224 denied.
23.8% of all applications, or 34.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Security Service Federal Credit Union originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Security Service 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