Lenders › Credit Human Federal Credit Un › Texas
Credit Human Federal Credit Un in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Credit Human Federal Credit Un's 2024 HMDA record for Texas covers 4,789 applications, 526 of them originated, worth $64m.
Its denial rate in the state was 77.4%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 76.5%.
The median rate spread on its Texas originations was 1.6 percentage points (state median 0.2).
Applications in the state were up 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Credit Human Federal Credit Un, all states | United States |
|---|---|---|---|---|
| Denial rate | 77.4% | 26.0% | 76.5% | 24.3% |
| Median rate spread, pp | 1.6 | 0.2 | 2.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 53.4% | 11.8% | 85.6% | 15.6% |
| Average originated loan | $121k | $350k | $113k | $329k |
| Home purchase share | 57.6% | 72.8% | 88.9% | 57.0% |
| FHA-insured share | 0.0% | 19.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 58% (303)Home improvement 21% (110)Refinancing 0% (2)Cash-out refinancing 9% (47)Other purpose 12% (64)
By type
Conventional 100% (526)
Denial reasons as coded
Share of 3,578 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bexar County | 593 | 238 | $28m | 47.5% |
| Harris County | 284 | 30 | $4.3m | 83.0% |
| Kerr County | 57 | 17 | $2.0m | 55.4% |
| Comal County | 37 | 11 | $1.4m | 52.8% |
| Liberty County | 201 | 8 | $740k | 86.6% |
| Atascosa County | 49 | 7 | $665k | 64.6% |
| Brazoria County | 96 | 6 | $750k | 67.7% |
| Brazos County | 66 | 6 | $660k | 84.6% |
| Guadalupe County | 51 | 6 | $560k | 83.7% |
| Angelina County | 43 | 6 | $930k | 67.4% |
| Montgomery County | 167 | 5 | $675k | 84.1% |
| Grayson County | 78 | 5 | $715k | 83.1% |
| Wilson County | 31 | 5 | $815k | 61.3% |
| Henderson County | 75 | 4 | $450k | 87.8% |
| Bastrop County | 61 | 4 | $560k | 85.0% |
| Polk County | 41 | 4 | $440k | 73.2% |
| Smith County | 33 | 4 | $360k | 81.8% |
| Hays County | 32 | 4 | $640k | 71.9% |
| Galveston County | 31 | 4 | $550k | 80.6% |
| Travis County | 46 | 3 | $325k | 71.7% |
| Dallas County | 45 | 3 | $975k | 88.9% |
| Grimes County | 39 | 3 | $215k | 82.1% |
| Bowie County | 39 | 3 | $215k | 84.2% |
| Waller County | 33 | 3 | $335k | 77.4% |
| Harrison County | 61 | 2 | $220k | 90.0% |
| Hardin County | 61 | 2 | $110k | 88.1% |
| Midland County | 45 | 2 | $260k | 86.7% |
| Medina County | 43 | 2 | $130k | 76.2% |
| Ellis County | 43 | 2 | $210k | 88.4% |
| Leon County | 39 | 2 | $230k | 86.5% |
| Walker County | 38 | 2 | $460k | 71.1% |
| Kaufman County | 37 | 2 | $190k | 81.1% |
| Anderson County | 37 | 2 | $350k | 78.4% |
| Randall County | 34 | 2 | $170k | 82.4% |
| Fort Bend County | 32 | 2 | $620k | 82.8% |
| Victoria County | 27 | 2 | $380k | 70.4% |
| Wise County | 25 | 2 | $240k | 76.0% |
| Johnson County | 25 | 2 | $160k | 76.0% |
| Tarrant County | 91 | 1 | $105k | 83.3% |
| Ector County | 77 | 1 | $65k | 90.9% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Credit Human Federal Credit Un originate in Texas in 2024?
526 loans totalling $64m, from 4,789 applications reported for properties in Texas.
What is Credit Human Federal Credit Un's denial rate in Texas?
77.4% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 76.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does Credit Human Federal Credit Un lend in most?
By originations: Bexar County (238), Harris County (30), Kerr County (17), Comal County (11), Liberty County (8).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.