Synergy Federal Credit Union in Texas vs the state
5.0%Denial rate-14.43 pts vs state
6.5%Decision denial rate-18.45 pts vs state
72.5%Origination rate+17.62 pts vs state
—Median rate
—Rate spread (pts)
$155kMedian applicant income
87Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 101 | 7.0% | — | #507 |
| 2024 | 118 | 85 | 11.0% | — | #525 |
| 2025 | 120 | 87 | 5.0% | — | #517 |
What Synergy Federal Credit Union lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Synergy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 37 | 24 | 3 | 8.1% |
| Nueces County | 23 | 17 | 1 | 4.3% |
| Galveston County | 8 | 8 | 0 | 0.0% |
| Harris County | 8 | 7 | 0 | 0.0% |
| Orange County | 4 | 3 | 1 | 25.0% |
| San Patricio County | 4 | 1 | 0 | 0.0% |
| Comal County | 3 | 3 | 0 | 0.0% |
| Atascosa County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Live Oak County | 2 | 2 | 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: 120 applications in 2025, of which 87 were originated and 6 denied.
5.0% of all applications, or 6.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Synergy 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