Texas Dow Employees Credit Union in Texas vs the state
12.4%Denial rate-7.06 pts vs state
15.2%Decision denial rate-9.71 pts vs state
69.0%Origination rate+14.14 pts vs state
7.00%Median rate+0.50 pts vs state
0.58Rate spread (pts)+0.38 pts vs state
$114kMedian applicant income
1,116Loans originated
200Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,624 | 1,214 | 6.8% | 7.38% | #105 |
| 2024 | 1,582 | 1,067 | 13.8% | 7.38% | #111 |
| 2025 | 1,617 | 1,116 | 12.4% | 7.00% | #123 |
What Texas Dow Employees Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Texas Dow Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brazoria County | 415 | 301 | 40 | 9.6% |
| Harris County | 385 | 254 | 56 | 14.5% |
| Victoria County | 170 | 126 | 13 | 7.6% |
| Fort Bend County | 163 | 110 | 27 | 16.6% |
| Montgomery County | 66 | 43 | 6 | 9.1% |
| Galveston County | 65 | 50 | 7 | 10.8% |
| Jackson County | 32 | 21 | 5 | 15.6% |
| Lavaca County | 31 | 25 | 3 | 9.7% |
| Matagorda County | 27 | 20 | 3 | 11.1% |
| DeWitt County | 24 | 22 | 2 | 8.3% |
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: 1,617 applications in 2025, of which 1,116 were originated and 200 denied.
12.4% of all applications, or 15.2% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Texas Dow Employees Credit Union originated in Texas in 2025 was 7.00%, against a statewide median of 6.50%.
About this data. Figures are Texas Dow Employees 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