State Department Federal Credit Union in Texas vs the state
31.4%Denial rate+12.00 pts vs state
40.7%Decision denial rate+15.84 pts vs state
42.9%Origination rate-12.02 pts vs state
6.00%Median rate-0.50 pts vs state
-0.18Rate spread (pts)-0.37 pts vs state
$159kMedian applicant income
15Loans originated
11Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 1 | 66.7% | 5.75% | #1,089 |
| 2024 | 17 | 8 | 35.3% | 7.23% | #887 |
| 2025 | 35 | 15 | 31.4% | 6.00% | #769 |
What State Department Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most State Department Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 9 | 5 | 3 | 33.3% |
| Dallas County | 6 | 2 | 1 | 16.7% |
| Bexar County | 3 | 1 | 2 | 66.7% |
| Fort Bend County | 3 | 0 | 2 | 66.7% |
| Hays County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Tarrant County | 2 | 1 | 0 | 0.0% |
| Coryell County | 1 | 0 | 0 | 0.0% |
| Galveston County | 1 | 1 | 0 | 0.0% |
| Morris 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: 35 applications in 2025, of which 15 were originated and 11 denied.
31.4% of all applications, or 40.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans State Department Federal Credit Union originated in Texas in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are State Department 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