Together Credit Union in Texas vs the state
26.2%Denial rate+6.80 pts vs state
38.1%Decision denial rate+13.20 pts vs state
37.7%Origination rate-17.18 pts vs state
6.50%Median rate0.00 pts vs state
0.31Rate spread (pts)+0.11 pts vs state
$111kMedian applicant income
23Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 26 | 38.4% | 7.31% | #622 |
| 2024 | 70 | 32 | 27.1% | 7.69% | #622 |
| 2025 | 61 | 23 | 26.2% | 6.50% | #668 |
What Together Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Together Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 25 | 11 | 3 | 12.0% |
| Dallas County | 13 | 3 | 6 | 46.2% |
| Denton County | 4 | 2 | 0 | 0.0% |
| Fort Bend County | 3 | 2 | 1 | 33.3% |
| Tarrant County | 3 | 1 | 1 | 33.3% |
| Comal County | 2 | 1 | 0 | 0.0% |
| Brazoria County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Ellis County | 1 | 0 | 1 | 100.0% |
| Hidalgo County | 1 | 0 | 1 | 100.0% |
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: 61 applications in 2025, of which 23 were originated and 16 denied.
26.2% of all applications, or 38.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Together Credit Union originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Together 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