STAR ONE Credit Union in Texas vs the state
29.0%Denial rate+9.60 pts vs state
29.0%Decision denial rate+4.13 pts vs state
64.5%Origination rate+9.64 pts vs state
6.19%Median rate-0.31 pts vs state
-0.34Rate spread (pts)-0.53 pts vs state
$200kMedian applicant income
20Loans originated
9Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 35 | 9.6% | 5.75% | #714 |
| 2024 | 20 | 11 | 15.0% | 6.38% | #862 |
| 2025 | 31 | 20 | 29.0% | 6.19% | #794 |
What STAR ONE Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most STAR ONE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Williamson County | 8 | 6 | 2 | 25.0% |
| Collin County | 7 | 2 | 4 | 57.1% |
| Denton County | 5 | 5 | 0 | 0.0% |
| Harris County | 3 | 1 | 1 | 33.3% |
| Travis County | 3 | 2 | 1 | 33.3% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Grayson County | 1 | 1 | 0 | 0.0% |
| Hays County | 1 | 0 | 1 | 100.0% |
| Tarrant County | 1 | 1 | 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: 31 applications in 2025, of which 20 were originated and 9 denied.
29.0% of all applications, or 29.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans STAR ONE Credit Union originated in Texas in 2025 was 6.19%, against a statewide median of 6.50%.
About this data. Figures are STAR ONE 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