United Federal Credit Union in Texas vs the state
76.9%Denial rate+57.49 pts vs state
76.9%Decision denial rate+52.02 pts vs state
23.1%Origination rate-31.80 pts vs state
5.87%Median rate-0.63 pts vs state
-0.78Rate spread (pts)-0.97 pts vs state
$162kMedian applicant income
3Loans originated
10Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 0 | 77.8% | — | #1,021 |
| 2024 | 8 | 2 | 62.5% | 6.56% | #994 |
| 2025 | 13 | 3 | 76.9% | 5.87% | #929 |
What United Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brazoria County | 2 | 0 | 2 | 100.0% |
| Hays County | 2 | 0 | 2 | 100.0% |
| Travis County | 2 | 0 | 2 | 100.0% |
| Williamson County | 1 | 0 | 1 | 100.0% |
| Caldwell County | 1 | 0 | 1 | 100.0% |
| Tarrant County | 1 | 1 | 0 | 0.0% |
| Harris County | 1 | 0 | 1 | 100.0% |
| Bexar County | 1 | 1 | 0 | 0.0% |
| Bee County | 1 | 0 | 1 | 100.0% |
| Denton County | 1 | 1 | 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: 13 applications in 2025, of which 3 were originated and 10 denied.
76.9% of all applications, or 76.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans United Federal Credit Union originated in Texas in 2025 was 5.87%, against a statewide median of 6.50%.
About this data. Figures are United 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