PlainLender

Credit Human Federal Credit Un

San Antonio, TX

Credit Human Federal Credit Un processed 28,052 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 2,953 loans with a 75.7% denial rate. Home Purchase was the primary loan purpose. Based in San Antonio, TX. The approval rate of 10.5% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Credit Human Federal Credit Un's 10.5% origination rate tells you how often an application turned into funded money; the 75.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (28,052 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

28,052
Applications
2,953
Originated
75.7%
Denial Rate
$113,038
Avg Loan Amount
Avg Interest Rate: 8.518% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 28,052 2,953 21,223 $113,038

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Credit Human Federal Credit Un (LEI: 549300Q3ROEQU3D1IW91) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
16,387
Debt-to-income ratio
4,982
Other
946
Insufficient cash
645
Credit application incomplete
454
Unverifiable information
337
Employment history
250
Collateral
134

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 27,188 2,625 $113,827
Other 352 115 $79,574
Home Improvement 206 112 $70,437
Refinancing 176 43 $101,193
Cash-out Refinancing 130 58 $122,154

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 19,603 11.6% 73.1%
Black or African American 2,691 4.7% 90.4%
Joint 673 8.3% 81.7%
American Indian or Alaska Native 643 3.6% 90.0%
Asian 391 15.6% 63.2%
2 or more minority races * 48 6.3% 81.3%
Native Hawaiian or Other Pacific Islander * 41 2.4% 85.4%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 17,246 11.1% 74.0%
Hispanic or Latino 5,344 9.7% 80.0%
Joint 692 14.0% 71.7%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied

Ark-La-Tex Financial Services LLC

PLANO, TX

23,136 apps 16,232 originated 3.3% denied
Compare Credit Human Federal Credit Un vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Credit Human Federal Credit Un process?
Credit Human Federal Credit Un processed 28,052 mortgage applications in the 2024 HMDA reporting year. Of these, 2,953 were originated (approved and funded), 268 were withdrawn by the applicant, and 21,223 were denied.
What is Credit Human Federal Credit Un's mortgage approval rate?
Credit Human Federal Credit Un has an approval (origination) rate of 10.5%, meaning 10.5% of all applications resulted in a funded mortgage. The denial rate is 75.7%.
What is the average loan amount at Credit Human Federal Credit Un?
The average mortgage loan amount at Credit Human Federal Credit Un is $113,038. The average interest rate is 8.518%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at Credit Human Federal Credit Un?
The most common reasons for mortgage denial at Credit Human Federal Credit Un are: Credit history, Debt-to-income ratio, Other. In total, 21,223 applications were denied out of 28,052 total applications.
What types of mortgage loans does Credit Human Federal Credit Un offer?
Credit Human Federal Credit Un processes Conventional loans. The most common type is Conventional with 28,052 applications and an average loan amount of $113,038.
What loan purposes does Credit Human Federal Credit Un serve?
Credit Human Federal Credit Un serves the following loan purposes: Home Purchase (27,188 applications), Other (352 applications), Home Improvement (206 applications), Refinancing (176 applications), Cash-out Refinancing (130 applications). Home Purchase is the most common purpose.
Where is Credit Human Federal Credit Un located?
Credit Human Federal Credit Un is headquartered in San Antonio, TX. The lender is identified by LEI 549300Q3ROEQU3D1IW91 in HMDA data.
How does Credit Human Federal Credit Un compare in lending across racial demographics?
Credit Human Federal Credit Un reports demographic lending data under HMDA requirements. White applicants have an approval rate of 11.6% and denial rate of 73.1%; Black or African American applicants have an approval rate of 4.7% and denial rate of 90.4%; Joint applicants have an approval rate of 8.3% and denial rate of 81.7%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.