United Nations Federal Credit Union in Texas vs the state
14.3%Denial rate-5.14 pts vs state
17.7%Decision denial rate-7.25 pts vs state
66.7%Origination rate+11.79 pts vs state
6.00%Median rate-0.50 pts vs state
-0.25Rate spread (pts)-0.44 pts vs state
$193kMedian applicant income
28Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 18 | 19.4% | 5.87% | #774 |
| 2024 | 29 | 17 | 6.9% | 6.50% | #797 |
| 2025 | 42 | 28 | 14.3% | 6.00% | #729 |
What United Nations 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 Nations Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 17 | 14 | 0 | 0.0% |
| Fort Bend County | 4 | 2 | 0 | 0.0% |
| Travis County | 3 | 1 | 0 | 0.0% |
| Tarrant County | 3 | 2 | 1 | 33.3% |
| Dallas County | 2 | 2 | 0 | 0.0% |
| Denton County | 2 | 1 | 0 | 0.0% |
| Williamson County | 2 | 2 | 0 | 0.0% |
| Brazoria County | 2 | 0 | 2 | 100.0% |
| Hidalgo County | 1 | 0 | 1 | 100.0% |
| Montgomery 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: 42 applications in 2025, of which 28 were originated and 6 denied.
14.3% of all applications, or 17.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans United Nations Federal Credit Union originated in Texas in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are United Nations 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