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Greater Texas FCU

Austin, TX

Greater Texas FCU processed 897 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 255 loans with a 50.7% denial rate. Other was the primary loan purpose. Based in Austin, TX. The approval rate of 28.4% 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Greater Texas FCU's 28.4% origination rate tells you how often an application turned into funded money; the 50.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (897 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.

897
Applications
255
Originated
50.7%
Denial Rate
$130,641
Avg Loan Amount
Avg Interest Rate: 6.800% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 897 255 455 $130,641

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Greater Texas FCU (LEI: 549300D5DG8D4966HK70) · 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 Approval rates exclude withdrawn / incomplete applications.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

Other
314
Debt-to-income ratio
209
Credit history
180
Collateral
117
Employment history
11
Unverifiable information
4

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 395 102 $78,418
Home Improvement 259 70 $73,340
Home Purchase 125 52 $341,320
Cash-out Refinancing 77 20 $227,338
Refinancing 41 11 $171,829

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 582 32.0% 49.1%
Black or African American 73 24.7% 60.3%
Asian 60 21.7% 46.7%
Joint * 13 53.9% 30.8%
American Indian or Alaska Native * 7 0.0% 71.4%
2 or more minority races * 2 50.0% 50.0%

* 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 518 31.3% 49.4%
Hispanic or Latino 222 21.2% 61.3%
Joint * 38 39.5% 31.6%

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

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

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare Greater Texas FCU vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Greater Texas FCU process?
Greater Texas FCU processed 897 mortgage applications in the 2024 HMDA reporting year. Of these, 255 were originated (approved and funded), 154 were withdrawn by the applicant, and 455 were denied.
What is Greater Texas FCU's mortgage approval rate?
Greater Texas FCU has an approval (origination) rate of 28.4%, meaning 28.4% of all applications resulted in a funded mortgage. The denial rate is 50.7%.
What is the average loan amount at Greater Texas FCU?
The average mortgage loan amount at Greater Texas FCU is $130,641. The average interest rate is 6.800%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at Greater Texas FCU?
The most common reasons for mortgage denial at Greater Texas FCU are: Other, Debt-to-income ratio, Credit history. In total, 455 applications were denied out of 897 total applications.
What types of mortgage loans does Greater Texas FCU offer?
Greater Texas FCU processes Conventional loans. The most common type is Conventional with 897 applications and an average loan amount of $130,641.
What loan purposes does Greater Texas FCU serve?
Greater Texas FCU serves the following loan purposes: Other (395 applications), Home Improvement (259 applications), Home Purchase (125 applications), Cash-out Refinancing (77 applications), Refinancing (41 applications). Other is the most common purpose.
Where is Greater Texas FCU located?
Greater Texas FCU is headquartered in Austin, TX. The lender is identified by LEI 549300D5DG8D4966HK70 in HMDA data.
How does Greater Texas FCU compare in lending across racial demographics?
Greater Texas FCU reports demographic lending data under HMDA requirements. White applicants have an approval rate of 32.0% and denial rate of 49.1%; Black or African American applicants have an approval rate of 24.7% and denial rate of 60.3%; Asian applicants have an approval rate of 21.7% and denial rate of 46.7%. 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.