Wings Financial Credit Union in Texas vs the state
11.8%Denial rate-7.67 pts vs state
12.5%Decision denial rate-12.40 pts vs state
58.8%Origination rate+3.94 pts vs state
6.00%Median rate-0.50 pts vs state
-0.09Rate spread (pts)-0.29 pts vs state
$195kMedian applicant income
10Loans originated
2Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 21 | 7.1% | 5.50% | #830 |
| 2024 | 17 | 9 | 17.7% | 6.50% | #883 |
| 2025 | 17 | 10 | 11.8% | 6.00% | #880 |
What Wings Financial Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Wings Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 4 | 2 | 0 | 0.0% |
| Collin County | 3 | 2 | 0 | 0.0% |
| Cameron County | 2 | 1 | 0 | 0.0% |
| Tarrant County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Brazoria County | 1 | 0 | 0 | 0.0% |
| Potter County | 1 | 0 | 1 | 100.0% |
| Hays County | 1 | 1 | 0 | 0.0% |
| Harris County | 1 | 1 | 0 | 0.0% |
| Bastrop 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: 17 applications in 2025, of which 10 were originated and 2 denied.
11.8% of all applications, or 12.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Wings Financial Credit Union originated in Texas in 2025 was 6.00%, against a statewide median of 6.50%.
About this data. Figures are Wings Financial 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