United Heritage Credit Union in Texas vs the state
30.1%Denial rate+10.69 pts vs state
32.8%Decision denial rate+7.86 pts vs state
61.6%Origination rate+6.73 pts vs state
7.15%Median rate+0.65 pts vs state
-0.39Rate spread (pts)-0.58 pts vs state
$125kMedian applicant income
313Loans originated
153Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 572 | 330 | 33.4% | 8.45% | #237 |
| 2024 | 555 | 321 | 33.5% | 8.50% | #239 |
| 2025 | 508 | 313 | 30.1% | 7.15% | #258 |
What United Heritage Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most United Heritage Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 169 | 96 | 52 | 30.8% |
| Williamson County | 102 | 64 | 33 | 32.4% |
| Hays County | 64 | 37 | 20 | 31.3% |
| Smith County | 45 | 32 | 11 | 24.4% |
| Denton County | 12 | 9 | 2 | 16.7% |
| Harris County | 11 | 7 | 4 | 36.4% |
| Bell County | 9 | 7 | 1 | 11.1% |
| Bexar County | 7 | 2 | 4 | 57.1% |
| Bastrop County | 7 | 5 | 1 | 14.3% |
| Tarrant County | 7 | 6 | 1 | 14.3% |
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: 508 applications in 2025, of which 313 were originated and 153 denied.
30.1% of all applications, or 32.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans United Heritage Credit Union originated in Texas in 2025 was 7.15%, against a statewide median of 6.50%.
About this data. Figures are United Heritage 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