TEXELL Credit Union in Texas vs the state
23.4%Denial rate+3.99 pts vs state
26.6%Decision denial rate+1.72 pts vs state
59.5%Origination rate+4.61 pts vs state
6.74%Median rate+0.24 pts vs state
0.54Rate spread (pts)+0.35 pts vs state
$98kMedian applicant income
282Loans originated
111Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 643 | 283 | 28.5% | 6.74% | #222 |
| 2024 | 645 | 318 | 29.6% | 6.99% | #216 |
| 2025 | 474 | 282 | 23.4% | 6.74% | #271 |
What TEXELL Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most TEXELL Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bell County | 318 | 191 | 80 | 25.2% |
| Williamson County | 49 | 23 | 11 | 22.4% |
| McLennan County | 39 | 32 | 5 | 12.8% |
| Milam County | 12 | 6 | 1 | 8.3% |
| Coryell County | 9 | 7 | 1 | 11.1% |
| Falls County | 6 | 4 | 0 | 0.0% |
| Travis County | 6 | 4 | 2 | 33.3% |
| Dallas County | 4 | 1 | 1 | 25.0% |
| Lampasas County | 3 | 1 | 2 | 66.7% |
| Harris County | 3 | 1 | 1 | 33.3% |
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: 474 applications in 2025, of which 282 were originated and 111 denied.
23.4% of all applications, or 26.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans TEXELL Credit Union originated in Texas in 2025 was 6.74%, against a statewide median of 6.50%.
About this data. Figures are TEXELL 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