Windthorst Federal Credit Union in Texas vs the state
2.3%Denial rate-17.10 pts vs state
2.6%Decision denial rate-22.34 pts vs state
88.4%Origination rate+33.49 pts vs state
—Median rate
—Rate spread (pts)
$100kMedian applicant income
38Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 34 | 0.0% | — | #760 |
| 2024 | 29 | 28 | 0.0% | — | #798 |
| 2025 | 43 | 38 | 2.3% | — | #724 |
What Windthorst Federal Credit Union lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Windthorst Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Archer County | 23 | 19 | 1 | 4.3% |
| Clay County | 10 | 9 | 0 | 0.0% |
| Young County | 6 | 6 | 0 | 0.0% |
| Wichita County | 2 | 2 | 0 | 0.0% |
| Parker County | 1 | 1 | 0 | 0.0% |
| Jack 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: 43 applications in 2025, of which 38 were originated and 1 denied.
2.3% of all applications, or 2.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Windthorst 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