Service Federal Credit Union in Texas vs the state
27.5%Denial rate+8.07 pts vs state
44.0%Decision denial rate+19.10 pts vs state
30.0%Origination rate-24.88 pts vs state
5.50%Median rate-1.00 pts vs state
-0.54Rate spread (pts)-0.73 pts vs state
$181kMedian applicant income
12Loans originated
11Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 10 | 4 | 10.0% | 5.88% | #973 |
| 2025 | 40 | 12 | 27.5% | 5.50% | #740 |
What 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 Service Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 8 | 5 | 1 | 12.5% |
| Bexar County | 7 | 1 | 2 | 28.6% |
| El Paso County | 4 | 2 | 1 | 25.0% |
| Collin County | 3 | 0 | 0 | 0.0% |
| Denton County | 2 | 1 | 0 | 0.0% |
| Harris County | 2 | 0 | 0 | 0.0% |
| Bell County | 2 | 0 | 1 | 50.0% |
| Wichita County | 1 | 1 | 0 | 0.0% |
| Taylor County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 0 | 1 | 100.0% |
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: 40 applications in 2025, of which 12 were originated and 11 denied.
27.5% of all applications, or 44.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Service Federal Credit Union originated in Texas in 2025 was 5.50%, against a statewide median of 6.50%.
About this data. Figures are 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