Union Square Credit Union in Texas vs the state
9.4%Denial rate-10.00 pts vs state
11.1%Decision denial rate-13.79 pts vs state
72.1%Origination rate+17.17 pts vs state
6.63%Median rate+0.13 pts vs state
0.04Rate spread (pts)-0.15 pts vs state
$111kMedian applicant income
214Loans originated
28Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 430 | 350 | 2.8% | 7.25% | #274 |
| 2024 | 364 | 288 | 8.0% | 6.94% | #293 |
| 2025 | 297 | 214 | 9.4% | 6.63% | #337 |
What Union Square Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Union Square Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wichita County | 213 | 158 | 20 | 9.4% |
| Archer County | 29 | 21 | 2 | 6.9% |
| Clay County | 18 | 15 | 1 | 5.6% |
| Wilbarger County | 6 | 1 | 1 | 16.7% |
| Tarrant County | 4 | 4 | 0 | 0.0% |
| Denton County | 3 | 3 | 0 | 0.0% |
| Parker County | 2 | 1 | 0 | 0.0% |
| Dallas County | 2 | 1 | 0 | 0.0% |
| Young County | 2 | 0 | 0 | 0.0% |
| Potter 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: 297 applications in 2025, of which 214 were originated and 28 denied.
9.4% of all applications, or 11.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Union Square Credit Union originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Union Square 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