Truity Federal Credit Union in Texas vs the state
6.1%Denial rate-13.31 pts vs state
9.4%Decision denial rate-15.52 pts vs state
59.2%Origination rate+4.30 pts vs state
6.38%Median rate-0.13 pts vs state
0.00Rate spread (pts)-0.19 pts vs state
$201kMedian applicant income
29Loans originated
3Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 63 | 5.4% | 6.00% | #570 |
| 2024 | 54 | 37 | 7.4% | 6.38% | #676 |
| 2025 | 49 | 29 | 6.1% | 6.38% | #712 |
What Truity Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Truity Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 21 | 13 | 1 | 4.8% |
| Fort Bend County | 4 | 2 | 1 | 25.0% |
| Montgomery County | 3 | 1 | 0 | 0.0% |
| Bexar County | 3 | 1 | 0 | 0.0% |
| Waller County | 3 | 3 | 0 | 0.0% |
| Midland County | 2 | 1 | 0 | 0.0% |
| Collin County | 2 | 0 | 0 | 0.0% |
| Brazoria County | 1 | 1 | 0 | 0.0% |
| Hidalgo County | 1 | 1 | 0 | 0.0% |
| Denton 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: 49 applications in 2025, of which 29 were originated and 3 denied.
6.1% of all applications, or 9.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Truity Federal Credit Union originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Truity 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