VELOCITY Credit Union in Texas vs the state
30.6%Denial rate+11.14 pts vs state
39.7%Decision denial rate+14.81 pts vs state
45.7%Origination rate-9.22 pts vs state
6.50%Median rate0.00 pts vs state
0.35Rate spread (pts)+0.15 pts vs state
$120kMedian applicant income
121Loans originated
81Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 267 | 102 | 45.3% | 6.50% | #339 |
| 2024 | 276 | 120 | 39.9% | 6.88% | #333 |
| 2025 | 265 | 121 | 30.6% | 6.50% | #363 |
What VELOCITY Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most VELOCITY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 132 | 59 | 41 | 31.1% |
| Williamson County | 61 | 35 | 11 | 18.0% |
| Hays County | 31 | 11 | 10 | 32.3% |
| Bastrop County | 9 | 2 | 7 | 77.8% |
| Bell County | 5 | 4 | 1 | 20.0% |
| Bexar County | 3 | 2 | 1 | 33.3% |
| Kendall County | 2 | 0 | 0 | 0.0% |
| Dallas County | 2 | 1 | 1 | 50.0% |
| Collin County | 2 | 1 | 0 | 0.0% |
| Harris County | 2 | 0 | 2 | 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: 265 applications in 2025, of which 121 were originated and 81 denied.
30.6% of all applications, or 39.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans VELOCITY Credit Union originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are VELOCITY 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