Lender in Texas · HMDA 2025
Rally Credit Union mortgages in Texas
Rally Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Rally Credit Union originated 1,137 owner-occupied single-family loans in Texas from 2,285 completed applications.
Its median conventional purchase loan costs were $4,240 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
1,137
of 2,285 applications
Denial rate
28.7%
Purchase · TX 10.2%
Rate spread
+0.32 pts
Conv. · TX +0.09 pts
Loan amount
$275,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 860 | 471 | 28.7% | 6.625% | +0.32 pts | $4,240 | $275,000 |
| Refinance | 346 | 191 | 38.4% | 5.875% | −0.36 pts | $890 | $225,000 |
| Cash-out refinance | 1,079 | 475 | 44.3% | 6.875% | +0.20 pts | $2,820 | $125,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Rally Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Nueces County | 1 | 414 | 10.3% |
| Jim Wells County | 1 | 26 | 13.1% |
| Willacy County | 1 | 9 | 15.0% |
| San Patricio County | 2 | 79 | 8.8% |
| Cameron County | 3 | 162 | 5.5% |
| Refugio County | 3 | 3 | 5.8% |
| Hidalgo County | 4 | 347 | 5.9% |
| Kleberg County | 4 | 12 | 6.3% |
| Brooks County | 4 | 1 | 14.3% |
| Bee County | 5 | 10 | 6.8% |
| Aransas County | 6 | 16 | 4.4% |
| Starr County | 6 | 9 | 5.0% |
| Duval County | 7 | 1 | 5.3% |
| Live Oak County | 8 | 2 | 2.6% |
| San Augustine County | 13 | 1 | 2.6% |
| Reeves County | 19 | 1 | 1.3% |
| Goliad County | 20 | 1 | 1.7% |
| Nolan County | 22 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology