Southwest Airlines Federal Credit Union in Texas vs the state
32.7%Denial rate+13.23 pts vs state
32.8%Decision denial rate+7.93 pts vs state
66.8%Origination rate+11.95 pts vs state
5.75%Median rate-0.75 pts vs state
-0.25Rate spread (pts)-0.44 pts vs state
$146kMedian applicant income
133Loans originated
65Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 199 | 147 | 26.1% | 5.75% | #402 |
| 2024 | 175 | 122 | 30.3% | 5.75% | #431 |
| 2025 | 199 | 133 | 32.7% | 5.75% | #418 |
What Southwest Airlines Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Southwest Airlines Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 51 | 33 | 18 | 35.3% |
| Denton County | 27 | 22 | 5 | 18.5% |
| Tarrant County | 26 | 21 | 5 | 19.2% |
| Harris County | 24 | 12 | 11 | 45.8% |
| Collin County | 15 | 11 | 4 | 26.7% |
| Galveston County | 7 | 6 | 1 | 14.3% |
| El Paso County | 4 | 0 | 4 | 100.0% |
| Ellis County | 4 | 4 | 0 | 0.0% |
| Rockwall County | 3 | 1 | 2 | 66.7% |
| Brazoria County | 3 | 0 | 3 | 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: 199 applications in 2025, of which 133 were originated and 65 denied.
32.7% of all applications, or 32.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Southwest Airlines Federal Credit Union originated in Texas in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Southwest Airlines 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